Been paying for years Regal Credit now court threats on old BMI Baby Card

[bolly1]

I have a debt which I have been paying to Regal Credit at £30 per month for the last couple of years.

 

Every year RC hassle me to be paying more, which as a pensioner it is not possible.

 

I have ignored their last letter and the twice daily calls both to my home phone and mobile.

 

Today I received a letter stating the £1000 plus total and stating that they are recommending court action to their client

and threatening high costs and bailiffs. I am terrified.

 

First of all my very sick husband knows nothing of this debt and

 

second I am just beginning to think there might be an end to this as it is a relatively small amount.

 

Will they follow through on this course of action and what should I do?

 

Please help I would be grateful for any advice.

 

Do you think they would accept an offer of £500 to clear the debt?

[dx100uk]

wow slow down

 

regal credit

 

thought they got shut down years ago!!

 

anyway whats the debt please

 

have you ever fronted them with a CCA request?

 

a DCA is NOT A BAILIFF

 

and have

 

NO SUCH LEGAL POWERS.

 

dx

[fkofilee]

Bolly... If you have been paying them then if this did go to court, it would only be made to pay what you can afford. I would double check you're not being cashcowed...

 

Please answer DXs questions.

[BRIGADIER2JCS]

I have a debt which I have been paying to Regal Credit at £30 per month for the last couple of years.

 

Every year RC hassle me to be paying more, which as a pensioner it is not possible.

 

I have ignored their last letter and the twice daily calls both to my home phone and mobile.

 

Today I received a letter stating the £1000 plus total and stating that they are recommending court action to their client

and threatening high costs and bailiffs. I am terrified.

 

First of all my very sick husband knows nothing of this debt and

 

second I am just beginning to think there might be an end to this as it is a relatively small amount.

 

Will they follow through on this course of action and what should I do?

 

Please help I would be grateful for any advice.

 

Do you think they would accept an offer of £500 to clear the debt?

 

 

Write to Ray Spiteri the managing director, complain about the constant harassment letters, and state that you are paying all that you can reasonably afford.

 

 

Who is their client?

[rebel11]

Thread moved to correct forum.

[Stigman]

If your receiving a state pension with pension credits, you have no other income i.e. private/works pension then drop the payment to £1 pcm.

 

Thank them for the letter, you have personally reviewed your personal financial circumstances & therefore you can only afford £1 pcm.

If it ever went to Court, a Judge will not make you pay more than you can afford.

 

Keep everything in writing, the so called "specialist telephone agents" as they call them on their website are just wasters on minimal wage with both collection commissions & bonus enhancements which is why they threaten, intimidate, lie & say anything to get more out of you.

 

As DX says, if this debt is for a loan, credit card, store card etc. then send Regal a CCA request.

 

Stigman

[bolly1]

The debt is from bmi card. I know I should have done something from the beginning but I had

Not found you guys then. I was afraid to stop paying as I thought they might take it to court, as by paying I had admitted the debt. No I haven't CCA'd them, should I?

[dx100uk]

oh god no not a baby BMI credit card?

 

no wonder regal have it

 

99% you've been had blind here.

[fkofilee]

Dx what's so wrong with BMI?

[dx100uk]

yes get a CCa request tomorrow

 

 

£1 blank PO

 

don't sign the letter either.

 

dx

[theoldrouge]

Dx what's so wrong with BMI?

 

ah if it was the good old bmibaby/citicard? agreements and t&cs leave plenty to be desired:-)

[dx100uk]

:lol:

 

oh yes

this could be fun

 

sad you've been spoofed into paying all these years

 

I knew something was wrong when I saw regal credit

 

dx

[bolly1]

well I received a quick reply to my request saying they don't have an agreement and basically it is unenforceable.

Never thought they'd say that.

 

 

Next problem how can I stop them taking money from my card? I don't think I can stop it

[renegadeimp]

Course you can. get your bank to block the transaction. As has already been said, you have been cashcowed for years.

[BRIGADIER2JCS]

well I received a quick reply to my request saying they don't have an agreement and basically it is unenforceable.

Never thought they'd say that.

 

 

Next problem how can I stop them taking money from my card? I don't think I can stop it

 

 

Inform your bank that no further payments are to be made they Must stop the payments, if possible take a written instruction into a branch ask/demand to see a manager or senior member of staff, some may claim it cannot be stopped but they are wrong.

Be "FIRM"!!

[Bandit127]

You have a Continuous Payment Authority on your card with Regal.

 

 

To make the cancellation request with the bank more likely to stick,

 

 

I suggest you use a template letter modified to suit.

 

The National Debtline one is here:

https://www.nationaldebtline.org/EW/sampleletters/sole-letters/Pages/Withdraw-your-continuous-payment-authority-from-payday-loan-company-%28sole-name%29.aspx

 

Once that is done,

I would be making sure Regal haven't been adding interest or charges to your account.

 

 

And that there was no PPI or unfair charges when it was with BMI either.

[dx100uk]

oh how surprising was that outcome

 

 

dx

[Old Cogger]

worse than the BBC repeates

[BRIGADIER2JCS]

Check your credit files see what Regal has put on there, then be cheeky and ask them to remove all the adverse data.

 

 

I guess you will get some toys thrown out the pram when stop payments, debt still exists, morally oblige to pay etc.

[bolly1]

You are awesome.

 

 

I would never have the guts to try this if it wasn't for you guys.

 

 

I will cancel the payments and await the next tirade from Regal.

 

They have made my life hell for the past few months ringing me twice a day.

 

 

I am scared to answer my own phone or worse still one of my family answer.

[dx100uk]

the calls have stopped now?

 

 

have you sent off an sar to BMI baby?

 

 

dx