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  • FIRST POST
    • cjonesguitar
    • By cjonesguitar 7th May 18, 9:03 AM
    • 26Posts
    • 0Thanks
    cjonesguitar
    Collection agency
    • #1
    • 7th May 18, 9:03 AM
    Collection agency 7th May 18 at 9:03 AM
    Hi, I have had a debt passed on to a collection agency. I am refusing to speak to them on the phone. I have heard of some people asking to see the original agreement?

    I have asked to see this and advised them that I am not happy with some of the information in their frequent questions section.

    I am thinking of telling them to confirm the following:

    A payment plan can be set up for 10 per month;
    guarantee that know interest will be charged during the payment plan.

    I am just in conversation with the original lender to ask them to destroy any documents.
Page 1
    • luvsmoothies
    • By luvsmoothies 7th May 18, 9:51 AM
    • 531 Posts
    • 363 Thanks
    luvsmoothies
    • #2
    • 7th May 18, 9:51 AM
    • #2
    • 7th May 18, 9:51 AM
    why would the original lender destroy documents ?
    • Karonher
    • By Karonher 7th May 18, 12:11 PM
    • 496 Posts
    • 2,134 Thanks
    Karonher
    • #3
    • 7th May 18, 12:11 PM
    • #3
    • 7th May 18, 12:11 PM
    If you owe the money I doubt the lender will destroy it so that you can get out of paying it.

    Why would they agree to 10 a month without knowing if you can afford more?

    What has the FAQ section got to do with it?
    Getting ready for Christmas 2018

    Aiming to make 5,000 online in 2018.
    • sourcrates
    • By sourcrates 7th May 18, 12:50 PM
    • 14,642 Posts
    • 13,772 Thanks
    sourcrates
    • #4
    • 7th May 18, 12:50 PM
    • #4
    • 7th May 18, 12:50 PM
    Hi, I have had a debt passed on to a collection agency. I am refusing to speak to them on the phone. I have heard of some people asking to see the original agreement?

    I have asked to see this and advised them that I am not happy with some of the information in their frequent questions section.

    I am thinking of telling them to confirm the following:

    A payment plan can be set up for 10 per month;
    guarantee that know interest will be charged during the payment plan.

    I am just in conversation with the original lender to ask them to destroy any documents.
    Originally posted by cjonesguitar
    Hi,

    All that is relevant is the following, what kind of debt is it, credit card, loan, catalogue account ???

    And how much do you owe them ? ?

    By all means write and ask the DCA for evidence of liability, and to contact you in writing only.

    Asking lenders to destroy documents is pointless, as they will not comply with such requests, so forget that line of inquiry, also there FAQ`s are unimportant to you.

    Which collection agency are we talking about here, because there are many of them, has your debt been sold, or just passed to a collector to manage ?
    Once a debt defaults no further interest can be added to that debt in accordance with your original agreement, making offers of payment to the creditor should, if possible, be backed up by a copy of your budget, but you are not obliged to do this.

    Don`t get sidetracked, stick to whats relevant to you.
    Last edited by sourcrates; 07-05-2018 at 3:21 PM.
    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 forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
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    • cjonesguitar
    • By cjonesguitar 10th May 18, 7:21 AM
    • 26 Posts
    • 0 Thanks
    cjonesguitar
    • #5
    • 10th May 18, 7:21 AM
    • #5
    • 10th May 18, 7:21 AM
    Funny thing is, I spoke to the buyer and the seller. The buyer said they would need to request the original agreement. I then spoke to the seller, and they told me they do not pass on information after the sale off date. I then got through to management (a couple of days later), after they realised that I know that the buyer did not have the agreement, they changed their mind and firmly said yes we can give it to them if they request is.

    I had to report the seller and make a complaint for misleading me with two views.
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