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    • yellowbrick
    • By yellowbrick 15th Oct 16, 12:57 PM
    • 1Posts
    • 0Thanks
    Saturday confusion
    • #1
    • 15th Oct 16, 12:57 PM
    Saturday confusion 15th Oct 16 at 12:57 PM
    As a newbie here, I've found this forum very useful and informative so no confusion there.
    My confusion comes from a letter received this morning from Amex, saying my account was being referred to external collections agency NCO.
    I'm currently on a DMP with StepChange and this Amex a/c is already with NCO and has been for a few years receiving regular payments.
    I thought I'd check on the NCO website with the reference number I have and it is now saying cancelled. That's the confusing thing - this months payment was paid on the 6th, the letter dated the 10th, so is it a case of sitting tight and waiting for further info from NCO & updating DMP online when this arrives (as I assume there will be a different reference number) or do I contact NCO direct?
    Many thanks in advance for any replies!
Page 1
    • sourcrates
    • By sourcrates 15th Oct 16, 1:10 PM
    • 14,030 Posts
    • 13,286 Thanks
    • #2
    • 15th Oct 16, 1:10 PM
    • #2
    • 15th Oct 16, 1:10 PM

    Majority of these letters are computer generated, could be :

    (A) System catching up

    (B) Computer glitch

    (C) Both of the above

    (D) None of the above

    Wait and see basically, stepchange will still make payment on your behalf, someone will claim it eventually.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Free Legal advice see :
  • StepChange_Richard
    • #3
    • 17th Oct 16, 9:38 AM
    • #3
    • 17th Oct 16, 9:38 AM
    Hi there,

    Just spotted your post...

    Sourcrates is probably right in suggesting the possibilities for this.

    If you're in any doubt or if it's causing concern, it would be best to give us a call and we'll investigate it further. You should have the number for us, if not you can find it here.

    Hope this helps.

    Take care
    I work as a debt advisor for StepChange Debt Charity and have specific permission from Martin to post on these boards to try and help those in debt. Read more information on StepChange Debt Charity in the Debt Problems: What to do and where to get help article. If you find you're struggling with debt and you need further help try our online advice facility Debt Remedy.

    Don't be afraid of getting debt advice. We'll help you take one more step towards getting help with your debt.
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