Letter from Scotcall stop taking payments?!

[Mummy88]

Any advice here would be much appreciated...

 

Long story short I have received a letter today from Scotcall stating that the client has requested that they stop taking payment from me and that the client will be in touch to make further arrangements.

 

Has anyone else had this? Why would the client request Scotcall stop taking payment?

 

Thanks in advance

[cerberusalert]

The original creditor is probably in the process of selling the debt on to a third party. Scotcall would've only been acting as their agents.

[Mummy88]

I hadn't thought of that. Thanks

[cerberusalert]

Whoever buys the debt also inherits your present repayment agreement so be careful they don't try to up it.

[Mummy88]

I can't afford for them to so good luck to them if they try!

[dx100uk]

so you've been paying snotcrawl?

 

dx

[Mummy88]

Yeah, not much just £10/month but it's only a small account. I think the balance is about £116

[BRIGADIER2JCS]

How much have you actually paid so far?

[Mummy88]

I'm not sure, I lost track when I moved. I need to get a statement or something from them

[dx100uk]

whats the debt and is it on your cra file?

have the payments made to snotcrawl been showing

 

how did you get spoofed into paying them

..doorstepper?

threat-o-gram?

 

dx

[BRIGADIER2JCS]

They are obliged to send statements at least annually.

[Mummy88]

Well they haven't done but what can I say, it's scotcall!

[BRIGADIER2JCS]

Well they haven't done but what can I say, it's scotcall!

complain .

[Mummy88]

Now that I know they're obliged to do that it will go onto the list of things I'm going to complain to them about

[BRIGADIER2JCS]

now that i know they're obliged to do that it will go onto the list of things i'm going to complain to them about

 

good!

[Mummy88]

whats the debt and is it on your cra file?

have the payments made to snotcrawl been showing

 

how did you get spoofed into paying them

..doorstepper?

threat-o-gram?

 

dx

 

 

I had a period of a lot of letters from DCAs coming through as I was going through a rough patch and got scared so set up payment plans for all of them. I was only 21 so didn't really think about it too much.

I've been scared to check my file to be honest

[BRIGADIER2JCS]

dxs advice on checking credit files is spot on you really need to know what is going on.

[Mummy88]

I know you're right. Just need to get up the courage! :/

[BRIGADIER2JCS]

I know you're right. Just need to get up the courage! :/

 

Good stiff drink and deep breathing exercises:wink:

[dx100uk]

get on with it

 

if this lot are cash cowing you

how many more are you blindly paying because you fell for their threats

of burning your budgie at the stake

 

dx

[Mummy88]

All signed up, not good so far but I wasn't expecting any less. Need to wait for a pin to see in detail

[BRIGADIER2JCS]

All signed up, not good so far but I wasn't expecting any less. Need to wait for a pin to see in detail

 

Good luck.

[citizenB]

Just so you are prepared. If you receive notice that the original creditor has assigned/sold the account on, then the new owner is taking the account on with a payment arrangement in place and they CANNOT refuse to continue with that arrangement.

 

At the present time, it is the OC and Scotcall who have refused to accept your payments and this goes against the OFT guidelines. Have a read of the following article.. if you do hear from anyone else then just let us know and we can advise further.

 

http://www.consumeractiongroup.co.uk/forum/content.php?840-Stop-your-bank-or-lender-breaching-their-instalment-agreement

 

IMHO, the original creditor should have been in touch with you to let you know what is going on. Do keep that letter from Scotcall somewhere safe.