Charges from debt collector

6 Posts
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
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
0
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Replies
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.
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.