Debt Recovery Plus already in payment plan.

Jay8705

Hi, I’ve read the newbies thread as regards DRP letters. Unfortunately and rather stupidly I was unaware that these letters could be ignored until much later on. I am currently on a payment plan. I’ve not been able to see from the Newbies FAQ, if anyone has before cancelled their direct debits and made no further payments (when already having made payments to DRP).

I essentially want to know if having already entered into a payment plan alters things legally? What could DRP do if I were just to cancel any further payments? They’ve already had 150 plus from me, and I’m so mad, having now read more info in the forum.

Any advice would be greatly appreciated.

Many thanks.

onlyfoolsandparking

That's a damn shame, not stupid on your part you just fell for the scam as unfortunately many do.


How much do you still owe?

KeithP

If you have agreed a payment plan with DRP then you would be unwise to cancel the Direct Debit.

You have agreed to pay a certain amount each month and without having seen the full terms that you have agreed to, I fear that is what you must do.

What could DRP do?
They could sue you for the outstanding balance on your agreement.

beamerguy

Jay8705 wrote: »

Hi, I’ve read the newbies thread as regards DRP letters. Unfortunately and rather stupidly I was unaware that these letters could be ignored until much later on. I am currently on a payment plan. I’ve not been able to see from the Newbies FAQ, if anyone has before cancelled their direct debits and made no further payments (when already having made payments to DRP).

I essentially want to know if having already entered into a payment plan alters things legally? What could DRP do if I were just to cancel any further payments? They’ve already had 150 plus from me, and I’m so mad, having now read more info in the forum.

Any advice would be greatly appreciated.

Many thanks.

Foolish man paying a scammer.

How much more to pay ?

Did you sign any agreement with them ?
Did you do this because of threats such as CCJ's, bailiffs, bad credit rating etc etc ..... tell us how much they tried to scare you

Castle

Some reading which may assist:-
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/721872/misleading-aggressive-commercial-practices-guidance.pdf

beamerguy

Castle wrote: »

Some reading which may assist:-
https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/721872/misleading-aggressive-commercial-practices-guidance.pdf

Well done Castle

Misleading actions
The 2008 Regulations make misleading actions unlawful (see regulation 5). An action by a trader is misleading if it contains false information or if it is likely to mislead the average
consumer in its overall presentation.

And with DRP, they provide false information

twhitehousescat

did DRP own the debt?

think not ,

what can they do in a county court , they do nit own the debt

The_Deep

This is an entirely unregulated industry which is scamming the public with inflated claims for minor breaches of contracts for alleged parking offences, aided and abetted by a handful of low-rent solicitors.

Parking Eye, CPM, Smart, and another company have already been named and shamed in the house as have Gladstones Solicitors, and BW Legal, (these two law firms take hundreds of these cases to court each week, hospital car parks and residential complex tickets have been especially mentioned. They lose most of them, and have been reported to the regulatory authority by an
M.P. for unprofessional conduct

The problem has become so widespread that MPs have agreed to enact a Bill to regulate these scammers. Watch the video of the Second Reading in the House of Commons recently

http://parliamentlive.tv/event/index/2f0384f2-eba5-4fff-ab07-cf24b6a22918?in=12:49:41

and complain in the most robust terms to your MP. With a fair wind they will be out of business by Christmas.

KeithP

twhitehousescat wrote: »

did DRP own the debt?

think not ,

what can they do in a county court , they do nit own the debt

Whilst DRP did not own the original debt, they do have an agreement, i.e. a contract, with Jay8705 to pay them £xx per month.

Having said that, Castle makes a very good point.

beamerguy

KeithP wrote: »

Whilst DRP did not own the original debt, they do have an agreement, i.e. a contract, with Jay8705 to pay them £xx per month.

Having said that, Castle makes a very good point.

On that, we await to see if Jay8705 actually had a written agreement with DRP .... or as we know, it was done over the telephone

DRP constantly make misleading statements which the law states

"make misleading actions unlawful"

onlyfoolsandparking

I think its a tough one to call, even without the written agreement of entering into a payment plan the proof is there with actual payments and a possibility of DRP scum having a recorded conversation (although I doubt the dummies could find it to produce as evidence if it went to court).


I think there's similarities to be drawn with the statute barred debt rules, if the debtor pays a single penny (probably more that a penny in reality) the 6 year clock is reset or that's my belief so now OP has entered into payment plan a contract may have been formed with D.irty R.at P.eople