I disagreed with a well known large orginisation about it service & refused to pay a final bill until they explained their lack of action.They did not want to listen to my reasons for too long & placed the outstanding bill in the hands of a collection agency & I have been harrassed by many different collection companies since (7yrs.to be exact)I have explained myself blue in the face.Most have accepted my explanation ,but I am being constantly phoned by one company in particular.I have told them to take legal proceedings & take me to court ( at least I could get myself heard ) but at this point they stop calling & writing for a few months then it begins all over again.What can I legally do.
2007-01-05 02:42:30 · 16 answers · asked by Mark S 1 in Business & Finance ➔ Credit
Depending on the amount of the debt, sometimes its worth biting your principles and paying, as the knock on effect of a County Court Judgement(CCJ) can be dire for any future credit requests such as mortgages, credit cards, utility bill monthly payments. Basically if there is a ccj registered High street Mortgage companies will out and out refuse credit, so you will not get the opportunity to shop around for the cheapest deal, and will be locked into a non competitve one, thus costing you much more than the initial debt.
2007-01-05 02:54:21 · answer #1 · answered by MARK H 1 · 0⤊ 1⤋
It was always a debt b/c you owed the money, whether or not you agree with it. Any time that you are sent a bill, it is a debt.
If they take you to legal process, the judge will make you pay. Unless you have extreme reasons on why you were unable to pay. But if you take them, than they will listen to what you have to say since you are bringing up the complaint. The problem now for you, is that the collection agency does not care why you didn't pay the other company b/c the debt is now theirs & your issue is with someone else.
As far as your credit is concerned (you didnt mention it so I dont know if its an issue) the clock on the 7 yrs re-starts from the last time they contacted you. You should beat them to the punch for the law suit.
2007-01-05 03:17:21 · answer #2 · answered by ricks 5 · 0⤊ 1⤋
If during the 6 years before the seven you have had NO contact at ALL,with the collections company then you are ok,just get your telephone number changed,if however you or they made contact with you regarding the debt within a 6 year period you are liable,although ccjs are removed after 3 years if they apply for one against you now you will have to pay,my advice is to change your telephone number and go ex directory,any post you get unless from a court just put it in the bin,they will get fed up
2007-01-05 04:16:46 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you did not acknowlege or pay any part of the debt within a six year period you can not be taken to court. If you continue to do this the debt can still be persued by one or several collection agencies (who buy the debt) in succesion, and if not satisfied can be marked on your credit record as an unpaid debt.
Sadly, a debt does not go away.... even if it is written off the books by the original creditor.
The above assumes that you live in England or Wales.
Scotland wipes such debts out after 5 years.
see: www.LemonAid.net, or OFT or the CAB websites.
2007-01-05 03:02:04 · answer #4 · answered by dawn 3 · 0⤊ 1⤋
the time limit is 7 years but the 7 years only starts from the date a company last contacted you about the debt. even if you go to court and have your say it will have no bearing on the court proceedings.
2007-01-05 02:56:05 · answer #5 · answered by alan t 3 · 0⤊ 1⤋
Write back to them and ask them to stop otherwise you will take them to court for harrassment. In the meantime, keep a log of all the calls you receive from them and make sure you keep the letters as evidence.
Also try getting in touch with the Citizens Advice Bureau (UK) since they should have experts who can advise you.
2007-01-05 02:53:23 · answer #6 · answered by Chris G 3 · 1⤊ 1⤋
a debt will always haunt you until its paid. ask the collection agency to make a settlement with you. If they won't, let them take you to court and you will probably lose but maybe the court will make a fair settlement amount that you will have to pay.
2007-01-07 17:40:07 · answer #7 · answered by luciousgreeneyedlady 5 · 0⤊ 0⤋
In the state of Virginia if you ask them to stop harrassing you if they dont you can sue... Im not sure what state you are in but you may want to check into this. I know of one case in Virginia where a cash advance store continued harrassing a lady after she told them to stop. The cash advance ended up being sued and she won. She didnt have to pay the money she owed plus she won money.
2007-01-05 02:53:41 · answer #8 · answered by Lisa 1 · 0⤊ 1⤋
I'm 19 and I still kiss my mum and dad goodnight, still wear babygrows (onesies),still watch Disney channel,still draw the most un-artistic pictures when I'm bored,still love hide and seek, still slide down banisters,still do cartwheels in the house, still laugh at the most stupidest things ever, the list could go on forever
2016-05-23 05:53:00 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Its 6years BUT......say you ignore them for 4 years then you phone them trying to explain something etc etc, Then the whole 6years is restarted again. you got to be unreachable for 6years for the debt to go away
goto the Citizens Advice Bureau and see what they got to say, im sure they will say the same or they will say about IVA's
2007-01-05 23:00:00 · answer #10 · answered by david m 1 · 0⤊ 0⤋