Debt Collection Agency

[NoKnowledge]

Originally Posted by Hurdy

Is the offer F&F or SS?

F&F? full & final? whats the SS?

[Flyboy]

Originally Posted by budwieser

But thats only for bailiffs collecting for the courts.
Debt collectors can`t come into your house.

I am aware of that, but it doesn't stop them giving it a good try, hence the reason why I advised, "despite what they might tell you."

---------- Post added 17-12-2009 at 00:04 ---------- Previous post was 16-12-2009 at 23:52 ----------

Originally Posted by Hurdy

Are we certain that Wescotts have purchased the debt or are they acting as a DCA on behalf of O2?

Either way they will not be pursued for the balance.

Is the offer F&F or SS?

Going B/R is the short term easy way out with life-time complications yet their credit file will be updated after 6 years from the time of default if they settle the balance.

No, the bankruptcy falls off when the debtor has been discharged, plus from between six to fifteen years after that. The defaults to which the debt relates lasts for six years, but the bankruptcy itself is a separate issue.

Going to the CAB is possibly the worst advice, much better to go with the CCCS.

The CAB have a long and highly qualified track record in helping people with debt advice. The CCCS will only offer practical help, up to a point and only when after the creditors have reached a certain stage. It is bordering on reckless to advice someone not to go the CAB.

[Hurdy]

mega lols at some of the comments on this thread.

[budwieser]

Originally Posted by Hurdy

mega lols at some of the comments on this thread.

Anything in particular makes you `Mega lol` ?

[Johnyboy]

]Hi, I have just joined this group, can anyone please tell me if a debt collection agency who claims to have bought a number of your debts, then lump 3 different accounts into one county court claim form, made in their own name only?

They say they are legal assignees for all three accounts but then say they are not obligated to respond to Consumer Credit Agreement requests, the only proof of ownership is copies of their headed letters to me saying they bought the debts, all sounds very dodgy.

This claim was issued 2 years ago and was then stayed because they failed to file a response to my defence, then out of the blue they applied to have the stay lifted and the court granted it, I am now trying to have that order set aside and the claim struck out for their long delays and failing to follow proper court procedure, the court have ordered me to show prejudice I have suffered due to the claimants conduct before they decide, any suggestions would be greatly appreciated.

Thank you
Johnyboy [/SIZE]

[Kymmy]

If they bought the debt then they can't file a claim in the name on the original company only their own..

Best advice... get proper legal advice and not off a forum

[martyh]

Kymmy's right debt advise is best comming from a legal person as it is a minfield and full of urban myths which can end up getting you in worse trouble

Good luck and welcome to the forum