MIL Collections adding massive collections fees.

HurlyBurly Forumite Posts: 1 Newbie
I sold my house a few years ago, the circumstances around it were...confusing, to put it lightly, and in the mess a fee to my estate agent (Ben Rose) went unpaid.  Three and a bit years later I'm informed that I need to pay this fee, however instead of emailing me, or calling me (they had my details) they sent it through a debt collection agency (MIL) who decided to more than double the original debt with their 'collection fees'.

After some back and forth it was established that I am indeed liable for the original fee (£2175, I believe) and I could afford it and so I paid it (though it nearly zero'd out my savings), but MIL have been insistent on their ludicrus £2700+ fee.
With the help of a debt charity MIL has said that their client won't accept less than £1500 ontop of the original debt.

I've seen a few threads on here talking about how MIL is some powerless 3rd wheel, would it be worth getting the people helping me to contact Ben Rose directly to try and get rid of this leech's fee?


  • sourcrates
    sourcrates Forumite, Ambassador Posts: 27,638
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 22 July at 8:59PM
    I presume the debt charity is Stepchange or Payplan ?
    I doubt there involvement will have much effect to be honest with you.

    This is what companies are allowed to charge for the collection of commercial debts -

    Late commercial payments: charging interest and debt recovery: Claim debt recovery costs on late payments - GOV.UK (

    So the amount you would be legally required to pay for collection of your debt would be in the region of £100.
    But they can also charge you statutory interest at a rate of 8%.

    The £2700 fee they have invoiced you for, does sound excessive.

    On most debts they cannot charge fees for debt collection, unless the original agreement allows them to do so, did you sign a contract/agreement for this debt ?

    Ultimately the only way they can force payment from you is to take you to court, win their claim, then if you still didn`t pay, further enforce their rights using a bailiff.

    The reason they are willing to instantly wipe £1200 off the bill is because excessive fee`s are mostly unenforceable in court.

    If you want to make a complaint about them charging excessive fee`s, the complaints handlers details are as follows -

    Complain to the firm
    Alan Davis
    MIL Collections Ltd
    Palace Building
    Quay Street
    TR1 2HE

    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 [email protected]. 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- The "provit letter" is here-
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