Charges from debt collector

Looking for advice 
We are Scotland based
Received a debt collection letter for a disputed debt from a vet.( long story but vet chipped us out as we took them to vet council thing over a terrible vet service and sent our debt to collectors within a week)
Started at £450 vet bill but now the debt letter states £750 total.
This is the 1st letter, popped through the door so dont understand where the £300 came from.
The collection agency is an english company.
Trying to get advice is non existent as not enough debt for companys and debt helpline doesnt help


  • edited 10 May 2022 at 5:52PM
    sourcratessourcrates Forumite
    26.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 10 May 2022 at 5:52PM
    Debt collection agencies are not able to charge you fee`s or interest on any debt they have been asked to collect on behalf of a client, they may try it on by doing so, but only a court can order you to pay collection or legal fee`s that have been added to your debt.

    Debt collectors have no more legal power than you or I do, and there sphere of influence is limited to letters and phone calls.

    Is the bill itemised, or just a straight demand for £750 ?

    Really, you can ignore a debt collector, if you wish, they are just acting on behalf of the vet, they do not own the debt they are chasing, so cannot take any legal action to recover it.

    Send the "provit letter" to them, all demands for money must be backed up by evidence when requested, ask for a breakdown of cost`s if not already supplied.

    Which debt collector is it ?.

    Also what is your goal, you obviously dispute the amount they are asking for, but are you looking to pay in instalments once the balance has been confirmed, what do want to achieve here.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
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