advice re: dca letters, please

edgarjay

hi have read some of the other posts on here re: dca letters and sending letters for original cca and assignation etc but not sure if they apply in this case could someone advise please?

i have received three letters
letter 1: Moorcroft for recovery of a debt to O2 of £462, not sure about this debt have written asking for a breakdown of charges etc, last info had from O2 was a statement in sept 07 for £195?

letter 2:RMA for overdue balance on MBNA c/c of £171

letter 3:SMITHS for debt to AOL of £74.97, was well out of contract with AOL and rang them in July to cancel my account (when split from wife) they said they eeded my original c/c details to cancel the account, as the account was over 7 years old there was noway i could find these details, howeve SMITHS now say they wil enter into no discussions or payment arrangements

can anyone offer any pointers please?

Snaggles

Not sure sorry, although I don't see why not....but I will bump your thread so more people will see it.

WEEGIE

edgarjay wrote: »

hi have read some of the other posts on here re: dca letters and sending letters for original cca and assignation etc but not sure if they apply in this case could someone advise please?

i have received three letters
letter 1: Moorcroft for recovery of a debt to O2 of £462, not sure about this debt have written asking for a breakdown of charges etc, last info had from O2 was a statement in sept 07 for £195?

letter 2:RMA for overdue balance on MBNA c/c of £171

letter 3:SMITHS for debt to AOL of £74.97, was well out of contract with AOL and rang them in July to cancel my account (when split from wife) they said they eeded my original c/c details to cancel the account, as the account was over 7 years old there was noway i could find these details, howeve SMITHS now say they wil enter into no discussions or payment arrangements

can anyone offer any pointers please?

Hi edgarjay
Moorcroft can't ask you to pay £462, if the debt is only for £195. Your query on Smiths, if you offer a reasonable payment agreement they CANNOT refuse you, if they took you to court the Judge would see that you were willing to pay what you could afford. Just one question, how old is your debts?

Teacher2301

WEEGIE wrote: »

Hi edgarjay
Moorcroft can't ask you to pay £462, if the debt is only for £195. Your query on Smiths, if you offer a reasonable payment agreement they CANNOT refuse you, if they took you to court the Judge would see that you were willing to pay what you could afford. Just one question, how old is your debts?

If I'm right, and if the OP has acknowledge the debts - asking this question may not bear fruits - by acknowledging the debt it technically reopens the debt to the date of the last communication - so the 6 year statute bar ruling will not apply. Sorry..

edgarjay

Hi edgarjay
Moorcroft can't ask you to pay £462, if the debt is only for £195. Your query on Smiths, if you offer a reasonable payment agreement they CANNOT refuse you, if they took you to court the Judge would see that you were willing to pay what you could afford. Just one question, how old is your debts?
hi weegie

thx for that, the last statement had from o2 was in Sept 07 for the £195, thats why was gonna ask for a statement listin charges etc (not sent letter yet!!)

for the smiths one i dispute the debt totally as i had tried to cancel the account, still have e-mail, so not willing to pay anything unless i really have to!!