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HELP! Property Debt Collection (Ground rent) - do we have to pay them?
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za1987jxxx
Posts: 1 Newbie
Hi,
Just wondering if anyone can help...
We have received a letter from PDC today to say that our debt has been passed onto them. The debt is for service charge on our flat which we own... we originally owed the leaseholders £567 however PDC have added on charges totalling almost £300.
We admit that we owe the original amount and that we should have paid it to the property management company. I have tried calling the property management company to pay the amount that they billed us on 09 January, but they are saying that they cannot take any payment and it must go through PDC.
We called PDC and spoke to a rather obnoxious completely unhelpful man who basically said we have 7 days to pay the full amount including the admin charges or they will take us to court.
Do we have to deal with PDC and pay it to them?
What would happen if we pay the leaseholder via the bank transfer details in their Final reminder letter?
Just wondering if anyone can help...
We have received a letter from PDC today to say that our debt has been passed onto them. The debt is for service charge on our flat which we own... we originally owed the leaseholders £567 however PDC have added on charges totalling almost £300.
We admit that we owe the original amount and that we should have paid it to the property management company. I have tried calling the property management company to pay the amount that they billed us on 09 January, but they are saying that they cannot take any payment and it must go through PDC.
We called PDC and spoke to a rather obnoxious completely unhelpful man who basically said we have 7 days to pay the full amount including the admin charges or they will take us to court.
Do we have to deal with PDC and pay it to them?
What would happen if we pay the leaseholder via the bank transfer details in their Final reminder letter?
0
Comments
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Debt Collectors, as opposed to Bailiffs, have as much right as me to demand money from you. If it had been Bailiffs collecting under a County Court order, that would be a different matter and you would be bound to pay the charges.
However, with mere Debt Collectors, who can tell them to go whistle.
Pay the money via a bank transfer to the property company and remember in future to pay the fees on time. The Debt Collectors cannot force you to pay their charges any more than I can send you a bill for writing this epistle."There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock1 -
According to there website they take on "no win no fee" solicitors cases as well, so if the client engaged them on that basis, they could instigate legal action, if they wished.
If however, on this occasion, they have been engaged as mere debt collectors, what papa smurf said above is correct.
Seem to be jacks of all trades these clowns.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
Set a regular Direct Debt for your service charge/ground rent from now as well, to avoid getting yourselves into this situation in the future!🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
as per the PDC website, this may be why the property management company refuse to take your payment directly:
It is rare, but in a very small number of cases you may be asked to pay Property Debt Collection or PDC Laws fees if:- You receive payment directly without speaking with us
CCCC #33: £42/£240
DFW: £4355/£44050
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