Debt

[billyrock]

I have debt

which in some cases has been passed to a third party to collect the debt on behalf of the company which I owe it to.

 

Is there any disadvantage to dealing with a third party or should I insist on only dealing with the company which I owe the debt to.

 

Also I have set up some payment plans with some of the companies but they always say that I have to give them details of my income/outgoings

before they can set up payment plan, is this legal?

 

Finally my last query is

 

when I have set up an arrangement with a third party should I still receive phone calls/texts from the original company,

 

when I query this with the original company they say ignore it because its just generic.

 

Thanks for any advice

[dx100uk]

urm....

 

you are assuming too much here

 

tell us about the debts and who is chasing you please

 

dx

[billyrock]

urm....

 

you are assuming too much here

 

tell us about the debts and who is chasing you please

 

dx

A tesco loan I have has been passed on to moorcroft, who insisted on income/outgoings before they would set up a plan with me which has now been agreed as i supplied them with this information, but there are several companies asking for income/outgoings details before they set up payment plans ie barclaycard

[dx100uk]

IMHO i wouuld NEVER EVER set up a payment plan with a DCA

 

generally we do not advise sending any creditor or DCA ANY of your personal financial details.

 

only a judge can demand that

 

dont forget

 

a DCA are NOT BAILIFFS

 

and HAVE NO SUCH LEGAL POWERS

 

it might be an idea to list your debt s too....

 

have you looked at your cra file?

see below.

 

have you looked at reclaiming PENALTY charges?

or

PPI

 

dont ever assume the debt is all of YOUR doing!!!

 

 

dx

[billyrock]

IMHO i wouuld NEVER EVER set up a payment plan with a DCA

 

generally we do not advise sending any creditor or DCA ANY of your personal financial details.

 

only a judge can demand that

 

dont forget

 

a DCA are NOT BAILIFFS

 

and HAVE NO SUCH LEGAL POWERS

 

it might be an idea to list your debt s too....

 

have you looked at your cra file?

see below.

 

have you looked at reclaiming PENALTY charges?

or

PPI

 

dont ever assume the debt is all of YOUR doing!!!

 

 

dx

 

All details were taken from via via the telephone not in writing, can I refuse to deal with these third parties? Cra file?. I haven't paid ppi but I will check out how to reclaim penalty charges, do I have to give these companies my financial details before they can set up a payment plan? thanks

Edited March 14, 2013 by billyrock

[citizenB]

There are two schools of thought - you are not obliged to provide an I&E (budget sheet) to a 3rd party.

 

Or you can provide a Common Financial Statement (this is used by courts and the Free Debt Counselling charities) on production of which - they are bound to accept your genuine offer of payment.

 

You can obtain a CFS from National Debtline, or one of the other Free Debt Counselling Charities. It might be an idea to have them help you complete one, then continue to manage your own Debt Plan.

 

You say this is a Tesco Loan - was there any Payment Protection Insurance applied? If so, then you might want to consider a mis selling claim.

[dx100uk]

you are taking these people too much 'on spec'

that they are even entitled to have your money

 

have you CCA'd everyone

to ENSURE they have the LEGAL right to demand money from you

 

you REALLY should NOT be ever taking on the phone to a DCA

 

they will tell you snything to get your cashcowing.

 

what letters have you had

 

std threat-o-grams

 

will might may, imprison your granny

kill your budgie..

 

dx

[billyrock]

you are taking these people too much 'on spec'

that they are even entitled to have your money

 

have you CCA'd everyone

to ENSURE they have the LEGAL right to demand money from you

 

you REALLY should NOT be ever taking on the phone to a DCA

 

they will tell you snything to get your cashcowing.

 

what letters have you had

 

std threat-o-grams

 

will might may, imprison your granny

kill your budgie..

 

dx

Unfortunately I know the debts are mine, I will Deffo look into the ppi though, thank you dx and citizen

[dx100uk]

dont miss the point...

 

the debts might well 'be yours'

but if there is no paperwork

no-one can demand a penny from you.

 

do you homework...gather info

 

CCA requests

 

sar requests.

 

be VERY VERY sure before you ever offer any payment

esp to a dca

on a debt 'you think' you might owe.

 

dx

[davewright13]

Never speak to anyone like that on the phone and make sure you get everything in writing as then if anything ever happen you have the proof in writing

[dx100uk]

got that cra file yet billy?

 

dx