Debt help

Mi123

Hi looking for some advice I’ve got debt collectors visiting my house and emailing, texting over a debt from next. Next had emailed me 2 emails one stating that my account was paid in full and that I had cleared my debt ( I haven’t this was sent in error from them ) and one apologizing as it had been sent in error. Could I use the email that says the account has been paid in full to try get the debt dissolved? Thanks 

Brie

You could try of course but I doubt you'd be successful unless it was a small debt.  But if you have people knocking on the door to collect on it I'd assume it's not that small.  

I would suggest that you not open the door to the collectors.  They have no right to enter your house nor to make threats of any sort.  i.e. they might say they'll clamp the car or take your telly but they don't have the power to do either of these things.  

If you're feeling really pressured by it all I suggest you go to the top sticky in this board and look for the Statement of Account (SOA) template.  Fill that out in as much detail as possible including listing all/any debts and then post it back here.  Lots of people will have good advice on how to proceed and how to trim you budget to make your ££ go a bit further. 

DE_612183

Mi123 said:

Hi looking for some advice I’ve got debt collectors visiting my house and emailing, texting over a debt from next. Next had emailed me 2 emails one stating that my account was paid in full and that I had cleared my debt ( I haven’t this was sent in error from them ) and one apologizing as it had been sent in error. Could I use the email that says the account has been paid in full to try get the debt dissolved? Thanks 

Doubt it very much - the debt is the debt, you could ask - but they may knock a £5 or £10 for inconvenience caused but that would be about it...

Mi123

Brie said:

You could try of course but I doubt you'd be successful unless it was a small debt.  But if you have people knocking on the door to collect on it I'd assume it's not that small.  

I would suggest that you not open the door to the collectors.  They have no right to enter your house nor to make threats of any sort.  i.e. they might say they'll clamp the car or take your telly but they don't have the power to do either of these things.  

If you're feeling really pressured by it all I suggest you go to the top sticky in this board and look for the Statement of Account (SOA) template.  Fill that out in as much detail as possible including listing all/any debts and then post it back here.  Lots of people will have good advice on how to proceed and how to trim you budget to make your ££ go a bit further. 

Thanks for replying it’s £299 debt it’s been sold on to a new collector who are contacting me at all hours constantly every day and have now visited and emailed to say they will be back. I’m in Scotland and not sure if it’s classed as harassment if there’s any rules to how many times they can contact in a day? 

RAS

AFAIK the GDPR rules from 2018 apply in Scotland as well and England and Wales.

Write (pen paper and stamp jobbie) telling them to remove all phone numbers and email contact details from your records. They must hereafter write to you. All the important documents re defaults and legal action have to be sent by mail anyway.

It will take a little time for them to action it so you could email a copy and advise them that you have posted it. Get a certificate of posting.

ManyWays

What other debts do you have? Its usually best to get an overall plan rather than tackle problems one by one

sourcrates

Has it been sold, have you had a letter confirming this in writing?

Which debt collector are we talking about here, you can name them?

Is it the same people knocking on your door, or a hired agent? did they leave a card? was it Resolvecall?

Sorry for all the questions but the more info you can supply, the better we can help.

Mi123

sourcrates said:

Has it been sold, have you had a letter confirming this in writing?

Which debt collector are we talking about here, you can name them?

Is it the same people knocking on your door, or a hired agent? did they leave a card? was it Resolvecall?

Sorry for all the questions but the more info you can supply, the better we can help.

Yes it’s been sold and had it in writing the debt collection agency is ACI and they had hired an agent to come to my home the agent was from a company called Verify. He posted a letter through my door after I ignored him that had the amount of debt the agency and said they would be visiting again to make contact. 

sourcrates

OK, yes, ACI are a debt purchasing company, but Verify are just tracing agents, they are nothing to fret about.

Sending them that email will only be a temporary reprieve, as they will likely check with Next and they will soon find out its an error, but to get them off your back for a few weeks, why not do it.

You may need to address this though at some point, what type of debt was it originally?

Mi123

sourcrates said:

OK, yes, ACI are a debt purchasing company, but Verify are just tracing agents, they are nothing to fret about.

Sending them that email will only be a temporary reprieve, as they will likely check with Next and they will soon find out its an error, but to get them off your back for a few weeks, why not do it.

You may need to address this though at some point, what type of debt was it originally?

It was an old catalogue debt I very stupidly got myself into almost 5 years ago I was getting a few emails from other agencies about it but nothing major until aci bought it . I was told after 5 years it would be unenforceable is this correct and maybe why there being so persistent now that’s it’s nearing the 5 year mark? Or does the 5 year mark not apply to it? Thanks 

fatbelly

If you are in Scotland,then yes a 5-year period of no acknowledgement by payment or in writing would mean the debt is extinguished