Being chased by debt collection agency

lozcb

lozcb

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12,565
Wanderer said:
I had the Bailiffs once, well, Sheriffs, this was Scotland, lowest point in my life. 2001. I literally had no money, no job, five kids, wife gone, Dad died, nearest I came to ending it. Kids kept me going though, made me step up as a father which is maybe now twenty years later I cant get rid of them!
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The biggest grandest Kudos of all mate , from one who went through similar I bow to thee mate
 
Saigon

Saigon

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778
lifes2short said:
i know how you feel about the principal of the matter and if it were a larger sum then fair enough, just grit your teeth and pay the tossers, not worth all the stress over a mere 15 squid
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As above, It’s just not worth the potential trouble and your valuable time involved to save 15 quid. I agree that It’s wrong that they should get away with it, but just write it off.
 
Phil the Brit

Phil the Brit

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1,499
Never pay, £15 or 15 pence. These kind of companies need to be taught a lesson. I have won twice recently against big companies, (one a car park company and the other a council in London). They put me through hoops and I had to use onbudsman in both cases but won both. They both refused to back down until onbudsman stepped in.
 
lifes2short

lifes2short

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5,834
Phil the Brit said:
Never pay, £15 or 15 pence. These kind of companies need to be taught a lesson. I have won twice recently against big companies, (one a car park company and the other a council in London). They put me through hoops and I had to use onbudsman in both cases but won both. They both refused to back down until onbudsman stepped in.
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but surely you are talking about far larger sums, are you saying you would go through all that aggro over £15 :rolleyes:
 
lozcb

lozcb

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12,565
Wanderer said:
It's actually £15.33 they want!
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It's obviously not about the money ,but rather the principle ,and I get that , maybe get in contact with the debt collector and ask for a visit and tell them you will give them ,£50 to make it go away on proviso that the cell company doesn't get their £15.33 ,worth a crack
 
davy83

davy83

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2,823
I would just pay it, lifes too short.
I once had a utility company sent me a bill for £0.00 and i smiled and ignored it. I got reminders and all sorts which I could not understand. Then lawyers letters demanding the £0.00. I called and said " are you mental?". And apperantly they were, because it was in their system they made me send a checque made out to £0.00 so they could remove it from the computer system. (Probably SAP :) ) Pay it and move on, not worth it.
 
Wattie

Wattie

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8,640
lozcb said:
It's obviously not about the money ,but rather the principle ,and I get that , maybe get in contact with the debt collector and ask for a visit and tell them you will give them ,£50 to make it go away on proviso that the cell company doesn't get their £15.33 ,worth a crack
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Pay me the £50, I’ll pass on the £15.33.
Win win.
 
Wanderer

Wanderer

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5,791
Oddly enough the agency just called me - I gave them the story and they are referring it back to Three. Currently on 'indefinite hold'...
 
GeoffCapes

GeoffCapes

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14,000
The thing with these debt collection agencies is their fees.

Once they've tracked you down. They will issue a CCJ (or try), this costs 30 quid or something. Plus costs.

So in a flash, should the CCJ be granted, your £15.33 has turned into an enforceable debt of circa £250.

Then if they send bailiffs then that's another 300 quid+.

So for £15.33 you nor are looking at a debt of well over £500. Are your principles worth that much for so little?

Just pay it. In instalments. Of a pound a month. And send a cheque. Through the post. Without a stamp on it.
 
Wattie

Wattie

Member
Messages
8,640
GeoffCapes said:
The thing with these debt collection agencies is their fees.

Once they've tracked you down. They will issue a CCJ (or try), this costs 30 quid or something. Plus costs.

So in a flash, should the CCJ be granted, your £15.33 has turned into an enforceable debt of circa £250.

Then if they send bailiffs then that's another 300 quid+.

So for £15.33 you nor are looking at a debt of well over £500. Are your principles worth that much for so little?

Just pay it. In instalments. Of a pound a month. And send a cheque. Through the post. Without a stamp on it.
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Totally agree £50, I’ll sort it out for u.
 
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