refer to dept collection company without written warning?

Question

is it legal for a company to refer you to a dept collection company without written warning on paper. i.e if they have only sent electronic warnings via email. does it not have to be hard writen on paper in black and white

thanks for the answers. its ebay for a measly £46 like he aint ritch enough i had every intension of paying just money is tight at the mo

Answer 1

CHeck out the Fair Credirt Reporting Act for technicalities. Chances are email counts as written. As long as their communication states "________ is a debt collection firm and any information obtained will be used for that purpose" or some similar ilk, I believe it counts.

Either way, if it is for a sum less than $5,000.00, call them up and try to settle it with a payment plan. If they are genuine arseholes, then inform them that you will pay nothing, and rather have the company and debt collector incur thousands of dollars in Court costs, fees, disbursements and other charges to collect such a small sum, if they will not be reasonable. That threat worked on a measly amount which I contested out of principle with Sears. I wasn't late, I simply refuse to pay an extra charge, sent them the amount I felt was fair and battled it out in calls and letters.

Of course, if one pays their debt, then they are not in this situation, unless you're dealing with unscrupulous entities.

Answer 2

If you're in the UK and the company can prove the e-mail was read... i.e. opened or responded to, then it will stand as a form of communication requesting payment and explaining the consequences should the warning not be heeded. However, an e-mail is often followed up by a letter or 'hard copy', just to add weight to their case.

Answer 3

No they do not have to.Although most of them do, and if they notified by email its' just as valid. So if you are in collection, call the collection company and make payment arrangements, even if it is $5.00 a month, as long as you show an intent to pay, you should be okay....don't just forget about it, because it will appear in your credit report. It's best if you clear the debt. I least it will show in your credit report that you satisfied the debt.

Answer 4

It is very common for a debt collection agency to report a delinquent creditor to credit rating bureaus.

It is only illegal if you don't owe money or have not breeched a contract or agreement.

Contact the ratings bureau to dispute the report if you believe you have been wrongfully reported. Then, contact the original holder of the debt to have the rating corrected.

If you incurred the debt, and haven't paid, try asking for a payment plan.

Answer 5

A company doesn't even need to warn you. They will because if you pay in response to a warning letter its cheaper for them than refering it to a collection agency. Once you're late on payment they can move to collect.

Answer 6

Yes, they can, but by return, and whether you owe or not, you smply tell them to fu ck off.

Unless they have a Court order, which they wil not get without a proper Court summons and a finding against you, you can use 'minimal force' to eject anyone from your door,land or property if they have no 'legal' right or standing to be there.

And yes, where they trespass, they are breaking the law. In fact, if they have no witnesses, you can kick their ar se hard, and no one can prove you did.

Answer 7

If you would pay your bills you wouldnt have to worry about it! lol


They dont have to warn you....im sure they have been sending statements, so you know you owe them. Plus you would have had to sign up for electronic account management or whatever in the first place so thats why they sent it like that.

Answer 8

no as long as they have notified you yes they can do taht and even iof they cant they dont have to prove you recieved or didnt recieve a letter just that they have sent it

Answer 9

PAY YOUR DEBTS OR PAY MORE LATER,