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    • MrsBSaver
    • By MrsBSaver 13th Feb 18, 8:14 PM
    • 45Posts
    • 2Thanks
    Debt Colllection Agency Threats
    • #1
    • 13th Feb 18, 8:14 PM
    Debt Colllection Agency Threats 13th Feb 18 at 8:14 PM
    A company I have dealt with the past are claiming I owe them £45 they sent me a letter and I didnít get around to contacting them. In the meantime they have passed this onto a debt collection agency who are threatening legal action.
    How far can they go? Given I have a perfect credit history ( have always paid my debts on time ) and have only ever taken a student loan
Page 1
    • sourcrates
    • By sourcrates 13th Feb 18, 8:35 PM
    • 13,778 Posts
    • 13,094 Thanks
    • #2
    • 13th Feb 18, 8:35 PM
    • #2
    • 13th Feb 18, 8:35 PM
    They could take you to court for it, someone had legal action taken for a £15 debt last month, but its unlikely.

    If you dispute the debt send the provit letter to them, available from the sticky thread.
    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 :
    • fatbelly
    • By fatbelly 13th Feb 18, 9:22 PM
    • 12,174 Posts
    • 9,205 Thanks
    • #3
    • 13th Feb 18, 9:22 PM
    • #3
    • 13th Feb 18, 9:22 PM
    DCAs are subject to FCA rules. Send the prove-it and make them investigate.
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