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debt recovery

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beast5680:
if i ever come across her i know where she,ll be getting her debt letters inserted :lol:

Disco Matt:
Is there some sort of regulatory body for debt collection that you can get on your side? A good slap from the industry regulators might work where a private individual seems to be ignored!

crazymac:
We had a long running saga with a debt collection agency that started off over 12 pence!

We started an account with Telco for cheap phonecalls which was fine, and we kept this for over ten years. However at the same time this was started, a clone account to my address was also started un known to me!

After about 4 months we had 2 bills, the genuine and the clone one for 12P. I phoned Telco who said no problem, send us the bill back and we'' sort it out! I pointed out that to send the bill back to them would cost me more than the bill was, so I'd be cheaper paying the bill!!

The long and short of this (having never paid the bill!!) was that I had a debt collection agency chasing me for what had amounted to £4.55! Each time I phoned them, I would not talk to the operator but insisted on speaking to a manager, if I got a manager when 1st calling I would ask to speak to THEIR manager!

The debt collection agency were very good over this and understood my position, even getting a 3 way conference call between them, me and Telco! to sort it. I was able to prove that I hadn't rang up the debt, because the clone account was originating from a totally different STD code, and on at least 2 occasions when calls were being made from this clone account to Pakistan I was calling my mum from my real account!

So I really advise chasing and sorting this, record phone calls where possible (remember many mobile phones have a record facility) and TELL them you are recording the conversation! also make sure you log the calls you make to them, the times you make them and most important the names of who you talk to!

Don't bury the head in the sand, cos they will come and bite your butt!

Niel:

--- Quote from: beast5680 on September 06, 2008, 16:23:52 ---its a different company chasing the same debt, the original debt is a credit card which we contacted who apolgised and said they sorted it , then we got another letter from a debt recovery firm , again we contacted them and the same response, i think this is the seventh different debt recovery firm to date that have sent a letter.
I rang them this morning to be greeted by an answer machine message saying they are only open from 9 til 12 0n a saturday :roll: being it was 10 and today is saturday when i rang :roll: so i,ve emailed them in letters in the biggest font explaining the situation :lol:

--- End quote ---
The big problem is when the current lot find the debt they've bought is no good they'll sell it on again and the loop will continue, most of the debt recovery companies do this until its repaid or its too old to resell to another company.
It might be worth putting a sign on/near the door naming the debtor and they departure date just incase some knucklehead from the bottom of the debt collection pond appears, atleast then when they try it on you can point it out to the Police who either you, or they, will probably call...If you get doorstepped and they get in, children answering doors are a baliffs best bet often, then things can get difficult unless you've taken all possible steps to inform them.

The Smiths:
Keep contacting the agency that sends the letter - they will ask for it returning to sender.

They will mark their records - then sell the debt to someone else and so it carries on

Got a bit of experience with this

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