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PDE sold debt to Ruthbridge - should Ruthbridge honour a F&F offer?


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Hi,

 

Many months ago after being spammed with dozens of calls, texts, and emails, from Payday Express, I got them to agree to £200 in settlement of the entire debt. I insisted they put the words full and final in writing but I couldn't quite get them to do that, so the offer stalled.

 

Now the debt has moved to Ruthbridge are they in any way obliged to honour the £200 PDE seemed willing to agree to? Ruthbridge are claiming closer to £800 from me.

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Are they acting on behalf or do they own the debt?

 

If the former, then tell them to bugger off. If the latter, ask for the CCA first, then demand a full breakdown of the debt if the CCA is compliant.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Don't worry I'm not about to make any such offer to them without going down the CCA route first. I just wondered that, if it came to it, would they be obliged to accept?

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No obligation at all. But without holding a comliant CCA, youw ould be in a much stronger position to offer them a low F&F as they know they could take you to court, but they most likely wouldnt be able to enforce a judgement.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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