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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
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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.
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