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PAULA C | I am being bothered alot by debt collection agencys about an amount that has been cleared 7 yrs ago? |
i have sent receipts to prove this but they wont accept this, they have sent it to 5 agencys so far , they wont give up any one else have problems like this ? i`m just glad i` ve the receipts to prove this i pity the ppl who dont |
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Experian Agent.
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What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump |
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deb1975@sbcglobal.net
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Call them and INSIST on speaking to a manager or supervisor...then explain the situation and tell him/her that if the harrassment continues, you are going to see an attorney. You have proven your debt is paid...plus there is a statute of limitations on most debts anyway. |
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Rich T
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Make an appointment with your local citizens advice bureau, they should be able to sort this mess out for you.
Especially if you havent had the debt for a while now. |
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hthrbowen
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I think they don't have a leg to stand on and are just trying to scare you into paying over the money. Seek advice (ie Citizens Advice Bureau) and avoid having any communication with them in the meantime. |
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coreys1247
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This is a classic example of a junk debt buyer.
Here is a good article you can read more: http://www.expert-credit-advice.com/junk_debt.htm
I would send them a validation letter. There is one in this free kit #17 --- http://www.expert-credit-advice.com/free_credit_repair.htm
Also a cease and desist letter to get them to stop bugging you, letter #16 --
If its reporting to the credit bureau, dispute it! Use letter # 3 (same page) |
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UNI Panther
|
Just what is it that they will accept if it's nt the receipts showing this? Can you contact the business that handed your account over to the collection agency and get a copy of your account showing a zero balance? If you paid the business and not the collection agency, they won't have record of it. For some reason, the businesses don't call off their dogs after you've paid them, and the collection agencies are getting paid to be a pain in the butt. So they keep doing it until the business tells them to stop. Been there before. Good luck! |
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Phil O' Brien
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Why are you arguing with low life debt collectors? Send them a letter that says to not contact you again. If it was really 7 years ago it isn't collectable anyway.
The way it works is low life debt collectors buy this legally uncollectable debt for a few pennies on the dollar and then harass people like you into paying them.
Go read the info in the link I supplied.
BTW, ignore all the advice about calling the debt collector and "explaining" things to them. These kinds of debt collectors aren't nice people and you will get nowhere talking to them. Also, don't write to the original creditor, it isn't their account anymore. The ONLY way to deal with these clowns is to follow the steps outlined by the FTC and send them a letter telling them DO NOT CONTACT ME AGAIN. You don't need any explanations of why. Don't deal with these scum debt collectors. They WANT to talk to you so they can lie to you and convince you to send them some money. |
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Jamir
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Seven years ago? Debts aren't valid after 7 years. There are legal implications for people who harass you like this. What you need to do is get a copy of your credit report -- it's free -- write down the names, etc of the agencies that are bothering you and I would go to a lawyer. Legal Aid will point you in the right direction if you can't afford one. |
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Samsung E570
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Get in touch with your bank and ask them to provide you with Experians address if you're in the UK. I think it's £2 you have to pay to Experian for them to provide you with a credit report. If there is an error on your credit report for example your outstanding debt that you say you've paid then I think Experian can amend this. Your bank should be able to provide you with more details. Hopefully this will help you. |
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artytype
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Write to the companies and keep copies of letters, photo-copy receipts don't send originals with the letters and if this still doesn't work go to the Citizen's Advice, there should be one local to you. You can check on line for address and opening times. |
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klc7770
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go to the C.A.B. |
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Vicky M
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First point of call will be to send another letter to them with copies of the receipts. State in this letter that if they contact you again claiming it is still otustanding , you will make a formal complain to the financial ombudsman.
If they fail to accept your letter, then follow through, and ask the Citizens advice bureau how to word your letter to the financial ombudsman. |
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BIG D
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Yes - CAB
or talk to your trading standards people in case they have a case file. Or you could try a consumer affairs team at your local paper or TV station.
Trouble is that unless it's sorted to your satisfaction you might be affected at a later stage.
Perhaps there should be a blacklist of 'poor' debt collectors!! |
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