paying back a debt after its been passed on

Kingswick

Be aware that you have the statutary right NOT to be phoned at all hours.

Tell Debitas, verbally, that you only wish to be telephoned at a certain time of day, and demand that they adhere to this rule. Confirm this in writing sent via recorded delivery (trust me - it's worth it!).

If they continue to keep telephoning you, you must warn them that unless they stop harrassing you, you will take the matter to the authorities, since it is indeed against the law to harrass someone.

Remember: if you feel harrassed - then you are! It is then incumbent on Debitas - or whoever - to cease the harrassment, Read this quote and visit the sight it comes from:

"The Administration of Justice Act 1970 S.40 makes it a Criminal Offence for a creditor or a creditor's agent (often a debt collection agency) to make demands (for money), which are aimed at causing "alarm, distress or humiliation, because of their frequency or publicity or manner". Equally, a creditor will be committing an offence if they falsely imply that non-payment of the debt will lead to criminal proceedings; or the creditor pretends to be someone they are not e.g. a court official or bailiff. It is also an offence to send a person a document which looks like it has been sent from a court."

http://www.payplan.com/debt-library/bailiffs-harrassment.php

littlejaffa

I'm surious what happened with this, the original poster was talking about paying the whole amount of this month, did you?

eclipse99

Hi Jessica, I have had experience of these companies who buy debts from credit card companies and yes they try a bully boy approach at first. Stand your ground and only pay them what you can afford on a pro-rata basis. If you haven't already get in touch with the CCCS (consumer credit counseling service) they will give you good advise and if you are working with them your creditors will back off and give you time to sort yourself out.