08701525672 - anyone know who this is?

archie9uk

devils_vixen wrote: »

I have had a letter from this company and they are demanding I pay £50 per month. Told them I cannot afford this and can only afford £20. I (in heat of the moment) told them that I didn't work and was a single parent. He then asked if I can send some financial statement detailing my income/outgoing. Problem is, I do work, part time, I am a single parent, and after all my outgoings I am left with about £60 per month! He tried to tell me that £50 per month is the minimum and because I have a child and claim more money (if I wasnt working) then I am required to pay this? Tried to tell me that people on JSA can afford this so I pointed out that they are in receipt of £90 per fortinght and prob dont have children or rent to pay!

Don't know what the hell to do now! Should I just let them take me to court?

They shouldn't ask for actual proof of your income and expenditure, so long as it looks reasonable. Try adding a few pounds here and there, so it looks like you can only afford £20.

fermi

Sounds like N C O Europe.

Nasty bunch if they can get away with bullying you.

Only pay them what you can really afford and there is really very little they can do.

If you are on a low income/benefits a court should order no more. And they know that well enough.;)

Merlinexcalibur

Devils Vixen. You may be worth your while going to someone like the CCCS to get help with completing an income/expenditure forum. They do it for you, set to budget guidelines NOT what any DCA tells you can afford. And they will also supply you with a template letter to make offers of token payments - which, in your case, that would be the case if on JSA - to your creditor(s). Under no circumstances ever send them proof of your benefit, bank statements, wage slips. Only a judge can ask that of anyone, but these people WILL try that on with people. Particularly anyone vulnerable. They get hold of your benefit letter, they have access then to your benefit and will potentially contact DWP claiming you gave them permission and they would also have your NI number.

Regarding mysterious phone numbers not matching up. I had a phone call out of the blue weeks ago, from a similar number. I chased it up, only to get in touch with an engineering company selling pipes to companies. Sounded a bit dodgy regardless as was located somewhere in India (where most creditors call centres are now located) and I was then told something I really don't know if I can believe or not. I was told that the company was aware that the creditor was abusing their phone number to 'piggyback' calls into the UK to customers. I have read somewhere about this kind of thing.

devils_vixen

BEWARE this company will also phone from a different number 01216982500 is another number they use!!

acer1234

If NCO Start phoning you all times of the day then just point out to them about the harresment laws and only ask them to write to you...and the most important thing to do is arm yourself with the law in regards to debt collecting.

rog2

devils_vixen wrote: »

The debt is £786 but was told this would double if legal action was commenced :eek:

You need to take that with a pinch of salt, d_v. Many dcas will try to 'scare' their victims into making payments that they can not afford, in spite of the Guidelines laid down by the Office of Fair Trading, to which they should adhere: http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

BEFORE you contact these people again, you need to know whether the 'alleged debt' is enforceable, and if they have the legal authority to enforce it.

You can do this in a number of ways - probably the most effective way is to request a true copy of the executed consumer credit agreement:

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=getting_a_copy_of_your_credit_agreement_and_account_details

If they are unable to provide you with this documentation within 12 working days of your request, then they can not 'enforce' the debt without going to Court.

If they DO provide you with a 'compliant' copy of the cca, then you can make an offer of payment at a rate that you can afford. If they decide to take you to court, then you would be entitled, via your defence, to make an offer of payment, based on your income/expenditure. Such an offer would be assessed by the Court and they would make a judgement (CCJ) accordingly. Any such CCJ would be just as binding on NCO as it would be on yoursef, so any further harassment by NCO would be illegal.