FORUMS FORUMS






RLFANS.COM
Celebrating
25 years service to
the Rugby League
Community!

  

Home The Sin Bin Past Due Credit Solutions



Post new topic Reply to topic  [ 9 posts ] 
Author Message
 Post subject: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 11:21 am 
Moderator
Moderator
User avatar

Joined: Mar 01 2005
Posts: 3221
Anyone else had a letter from these, claiming they have been instructed by X company ( in my case, bskyb )for money you owe money to them??

I wouldn't mind, but I don't have Sky at my current address, and cancelled it at my previous address well over 12 months ago, with no issues after phoning Sky direct.

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 11:28 am 
International Chairman
International Chairman
User avatar

Joined: May 25 2002
Posts: 37704
Location: Zummerzet, where the zoider apples grow
Mike Oxlong wrote:Anyone else had a letter from these, claiming they have been instructed by X company ( in my case, bskyb )for money you owe money to them??

I wouldn't mind, but I don't have Sky at my current address, and cancelled it at my previous address well over 12 months ago, with no issues after phoning Sky direct.


Ignore 'em

Speak to Sky if you must but unless this cowboy outfit can provide evidence that they have been assigned the debt, then don't even bother contacting them






The older I get, the better I was

Advice is what we seek when we already know the answer - but wish we didn't

I'd rather have a full bottle in front of me than a full-frontal lobotomy
------------------------------------------------------------------------------------------------------------
kirkstaller wrote: "All DNA shows is that we have a common creator."

cod'ead wrote: "I have just snotted weissbier all over my keyboard & screen"

------------------------------------------------------------------------------------------------------------
"No amount of cajolery, and no attempts at ethical or social seduction, can eradicate from my heart a deep burning hatred for the Tory Party. So far as I am concerned they are lower than vermin." - Aneurin Bevan

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 11:45 am 
Moderator
Moderator
User avatar

Joined: Mar 01 2005
Posts: 3221
Defo not gonna contact them, but didn't know if it was worth speaking to Sky first, as it doesn't show any account details or when the payment is owed from, on the letter.






"I need to be myself, I can't be no-one else"

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 12:59 pm 
Player Coach
First Team Player
User avatar

Joined: Aug 19 2005
Posts: 1824
Report the company to Consumer Direct.

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 1:44 pm 
International Board Member
International Board Member
User avatar

Joined: Apr 03 2003
Posts: 28186
Location: A world of my own ...
They're on a fishing trip. While they are a genuine debt collection company, a quick Googling shows they've got form for firing out speculative letters to people about debts they may or may not owe.

If you have confirmed with Sky that you don't owe anything, write back to them to that extent and advise them that any future correspondence or contact will be considered harrassment and reported to the appropriate authorities.






"As you travel through life don't sweat the petty things and don't pet the sweaty things" - George Carlin

//twitter.com/AndyGilder

//fromthewesternterrace.blogspot.co.uk

This week: Four keys to a Rhinos win in the WCC

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 5:01 pm 
International Chairman
International Chairman
User avatar

Joined: Feb 18 2002
Posts: 32302
Location: Swimming against a tide of fekkwittedry
The OFT have guidelines for Debt Collectors. If you tell them you don't owe the debt and they continue to pursue you they will breach those guidelines and may lose their consumer credit licence.

One letter or email (retain a copy) telling them you don't owe the debt and don't expect to hear again would be a better idea than ignoring it.






Quote:Every player in our squad could probably earn more money with another club. But they prefer to sacrifice a few extra quid in their back pocket to share special memories. And playing at a place like Old Trafford on a night like this makes it all worthwhile.


Kevin Sinfield

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 6:02 pm 
International Chairman
International Board Member
User avatar

Joined: Feb 17 2002
Posts: 28357
Location: MACS0647-JD
next time they write, just get somebody who doesn't know you to write "I DO NOT KNOW THIS PERSON" on the envelope and stick it back in the post.






Last edited by Ferocious Aardvark on stardate Jun 26, 3013 11:27 am, edited 48,562,867,458,300,023 times in total

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 6:48 pm 
International Chairman
International Chairman
User avatar

Joined: May 25 2002
Posts: 37704
Location: Zummerzet, where the zoider apples grow
Ferocious Aardvark wrote:next time they write, just get somebody who doesn't know you to write "I DO NOT KNOW THIS PERSON" on the envelope and stick it back in the post.


And they'll take absolutely no notice.

I kept getting letters and phone calls from one bunch of idiots chasing a previous tenant. It was only when I informed the last idiot to call that the debt would now be over seven years and as such statute barred and they might as well save their time and mine, that they finally seemed to give up.

These vultures buy debts from CC companies for as low as 1% of value and really couldn't give a flying one about harassment






The older I get, the better I was

Advice is what we seek when we already know the answer - but wish we didn't

I'd rather have a full bottle in front of me than a full-frontal lobotomy
------------------------------------------------------------------------------------------------------------
kirkstaller wrote: "All DNA shows is that we have a common creator."

cod'ead wrote: "I have just snotted weissbier all over my keyboard & screen"

------------------------------------------------------------------------------------------------------------
"No amount of cajolery, and no attempts at ethical or social seduction, can eradicate from my heart a deep burning hatred for the Tory Party. So far as I am concerned they are lower than vermin." - Aneurin Bevan

Top
   
 
 Post subject: Re: Past Due Credit Solutions
PostPosted: Fri Feb 24, 2012 8:49 pm 
Club Coach
Club Coach
User avatar

Joined: Oct 12 2004
Posts: 16269
cod'ead wrote:And they'll take absolutely no notice.

I kept getting letters and phone calls from one bunch of idiots chasing a previous tenant. It was only when I informed the last idiot to call that the debt would now be over seven years and as such statute barred and they might as well save their time and mine, that they finally seemed to give up.

These vultures buy debts from CC companies for as low as 1% of value and really couldn't give a flying one about harassment


Harassment is the only tool they really have in most cases, so they rely on badgering people and making them think that the debt collectors have more power than they actually do. A lot of people will just cave in.

It's actually very hard for a debt collection agency to enforce payment even when people genuinely owe the money, if they just stonewall them. Say somebody owes £300 to a utility company, and a DCA buys the debt off them and starts pursuing the debtor, if the debtor just denies who they are, then the DCA is not allowed to discuss the debt with them, if they admit who they are but deny all knowledge of the debt then the DCA can only enforce payment if it uses the courts. To use the courts it has to have all the paperwork including the original contract with the utility company (which it often won't) and also there needs to be the correct wording in the contract that allows the utility company to transfer the debt on to a third party. They may have the correct paperwork in order, but often they won't.

If they hire a firm of bailiffs to go round and collect the debt, then all the debtor needs do is just refuse to let them in and make sure all windows and doors are closed, and the bailiff can't do anything, they won't force entry if they haven't been admitted in the first place (if they do you can sue the bailiffs). Their only other option is to get the courts to issue an attachment to earning order which again takes time and they have to have all the paperwork in order.

But also even if the courts have issued CCJs on a defaulting debtor, and got an attachment to earnings order, it is still difficult to enforce payment if the debtor just flat out refuses to co-operate. The legal system only really comes down hard if its council tax or money owed to HMRC. In Leeds where I was a student there are a couple of dodgy landlords and letting agencies that have been withholding tenants' deposits unjustly, got slapped with CCJs and various court orders and they have still never paid, and the courts have not got round to enforcing it.

Collecting debt is a difficult process and the easiest way is if a debtor just caves in and pays, which is why the technique to use is to harass and intimidate (particularly the vulnerable) till they just pay to get the collector off their backs. If people genuinely owe money its up to their own conscience if they pay up or not, but if you play the tactic of stonewalling a DCA, refusing to acknowledge the debt, not entering into any discussion with them, then the odds are they will just lose patience after time and target someone else.

I had a DCA on my back at one point, they tried the thing of ringing me 10 times a day to hassle me, I just said to them every time "as we've discussed before, I don't know what you're talking about", and then just put the phone on the table still off the hook and left them talking to an empty receiver, then when they rang again I did the same thing, after about a month they disappeared. Then about a year later I got calls from another DCA, obviously they had sold the debt on to someone else, I did the same thing....they disappeared. When the letters came I just threw them in the recycle bin unopened.






Challenge Cup winners 2009 2010 2012 2019
League Leaders 2011 2016

Top
   
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 9 posts ] 





It is currently Fri Nov 22, 2024 8:11 pm


Who is online

Users browsing this forum: No registered users and 188 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  


It is currently Fri Nov 22, 2024 8:11 pm
RLFANS Recent Posts
FORUM
LAST
POST
TOPIC
POSTER
POSTS
7m
Castleford sack Lingard
FIL
8
7m
Dual Reg
Spookisback
9
16m
2025 Betfred Super League Fixtures
Clearwing
13
22m
Transfer Talk V5
The Biffs Ba
503
22m
Pre Season - 2025
mwindass
183
25m
How many games will we win
Butcher
5
26m
New Players
BigTime
137
Recent
2025 Recruitment
Clickin'knee
193
Recent
Film game
karetaker
5631
Recent
ALL NEW 49ERS ERA LEEDS UTD THREAD
chapylad
2592
FORUM
LAST
VIEW
TOPIC
POSTER
POSTS
1m
2025 Betfred Super League Fixtures
Clearwing
13
1m
Fixtures
Willzay
13
1m
Salford
rubber ducki
12
1m
2025 Recruitment
Clickin'knee
193
1m
Fixtures 2025
UllFC
65
1m
How many games will we win
Butcher
5
1m
Catalan Away
jonh
5
1m
Noah Booth out on loan
Butcher
20
2m
Leigh Leopards - 2025 Fixtures
ColD
2
FORUM
NEW
TOPICS
TOPIC
POSTER
POSTS
TODAY
Dan Norman Retires
Cokey
1
TODAY
How many games will we win
Butcher
5
TODAY
Leigh Leopards - 2025 Fixtures
ColD
2
TODAY
Catalan Away
jonh
5
TODAY
2025 Betfred Super League Fixtures
RLFANS News
1
TODAY
2025 fixtures
Smiffy27
15
TODAY
Fixtures
Willzay
13
TODAY
Salford
rubber ducki
12
TODAY
WCC Off
Choc Ice
11
TODAY
Leeds away first up
Big lads mat
40
TODAY
Jake McLoughlin
Wanderer
1
TODAY
Assistant Coach - Langley
exiledrhino
30
TODAY
Noah Booth out on loan
Butcher
20
TODAY
Luke Gale testimonial match
BarnsleyGull
2
TODAY
England 5 - 0 Ireland
Sadfish
1
TODAY
Magic Weekend 2025 - Back To Newcastle
RLFANS News
1
NEWS ITEMS
VIEWS
2025 Betfred Super League Fixt..
371
Magic Weekend 2025 - Back To N..
524
England Beat Samoa To Take Tes..
1265
England's Women Demolish The W..
1090
England Beat Samoa Comfortably..
1329
Operational Rules Tribunal –..
1123
IMG-RFL club gradings released..
1383
Wakefield Trinity Win Champion..
1922
Hunslet Secure Promotion After..
2141
Trinity Into Play Off Final Af..
2379
Wigan Warriors Crowned Champio..
1953
York Valkyrie Win Back to Back..
2190
Hunslet Book Relegation Play O..
2655
Penrith Panthers Secure Fourth..
2085
Wigan Humiliate Leigh For Gran..
2159
RLFANS Match Centre
Matches on TV
Thu 13th Feb
SL
20:00
Wigan-Leigh
Fri 14th Feb
SL
20:00
Hull KR-Castleford
SL
20:00
Catalans-Hull FC
Sat 15th Feb
SL
15:00
Leeds - Wakefield
SL
17:30
St.Helens-Salford
Sun 16th Feb
SL
15:00
Huddersfield-Warrington
Thu 20th Feb
SL
20:00
Wakefield - Hull KR
Fri 21st Feb
SL
20:00
Warrington-Catalans
SL
20:00
Hull FC-Wigan
Sat 22nd Feb
SL
15:00
Salford-Leeds
SL
20:00
Castleford-St.Helens
Sun 23rd Feb
SL
14:30
Leigh-Huddersfield
Thu 6th Mar
SL
20:00
Hull FC-Leigh
Fri 7th Mar
SL
20:00
Castleford-Salford
SL
20:00
St.Helens-Hull KR
Sat 8th Mar
SL
17:30
Catalans-Leeds
Sun 9th Mar
SL
17:30
Warrington - Wakefield
SL
17:30
Wigan-Huddersfield
Thu 20th Mar
SL
20:00
Salford-Huddersfield
Fri 21st Mar
SL
20:00
St.Helens-Warrington
This is an inplay table and live positions can change.
Mens Betfred Super League XXVIII ROUND : 1
 PLDFADIFFPTS
Wigan 29 768 338 430 48
Hull KR 29 731 344 387 44
Warrington 29 769 351 418 42
Leigh 29 580 442 138 33
Salford 28 556 561 -5 32
St.Helens 28 618 411 207 30
 
Catalans 27 475 427 48 30
Leeds 27 530 488 42 28
Huddersfield 27 468 658 -190 20
Castleford 27 425 735 -310 15
Hull FC 27 328 894 -566 6
LondonB 27 317 916 -599 6
This is an inplay table and live positions can change.
Betfred Championship 2024 ROUND : 1
 PLDFADIFFPTS
Wakefield 27 1032 275 757 52
Toulouse 26 765 388 377 37
Bradford 28 723 420 303 36
York 29 695 501 194 32
Widnes 27 561 502 59 29
Featherstone 27 634 525 109 28
 
Sheffield 26 626 526 100 28
Doncaster 26 498 619 -121 25
Halifax 26 509 650 -141 22
Batley 26 422 591 -169 22
Swinton 28 484 676 -192 20
Barrow 25 442 720 -278 19
Whitehaven 25 437 826 -389 18
Dewsbury 27 348 879 -531 4
Hunslet 1 6 10 -4 0
RLFANS Recent Posts
FORUM
LAST
POST
TOPIC
POSTER
POSTS
7m
Castleford sack Lingard
FIL
8
7m
Dual Reg
Spookisback
9
16m
2025 Betfred Super League Fixtures
Clearwing
13
22m
Transfer Talk V5
The Biffs Ba
503
22m
Pre Season - 2025
mwindass
183
25m
How many games will we win
Butcher
5
26m
New Players
BigTime
137
Recent
2025 Recruitment
Clickin'knee
193
Recent
Film game
karetaker
5631
Recent
ALL NEW 49ERS ERA LEEDS UTD THREAD
chapylad
2592
FORUM
LAST
VIEW
TOPIC
POSTER
POSTS
1m
2025 Betfred Super League Fixtures
Clearwing
13
1m
Fixtures
Willzay
13
1m
Salford
rubber ducki
12
1m
2025 Recruitment
Clickin'knee
193
1m
Fixtures 2025
UllFC
65
1m
How many games will we win
Butcher
5
1m
Catalan Away
jonh
5
1m
Noah Booth out on loan
Butcher
20
2m
Leigh Leopards - 2025 Fixtures
ColD
2
FORUM
NEW
TOPICS
TOPIC
POSTER
POSTS
TODAY
Dan Norman Retires
Cokey
1
TODAY
How many games will we win
Butcher
5
TODAY
Leigh Leopards - 2025 Fixtures
ColD
2
TODAY
Catalan Away
jonh
5
TODAY
2025 Betfred Super League Fixtures
RLFANS News
1
TODAY
2025 fixtures
Smiffy27
15
TODAY
Fixtures
Willzay
13
TODAY
Salford
rubber ducki
12
TODAY
WCC Off
Choc Ice
11
TODAY
Leeds away first up
Big lads mat
40
TODAY
Jake McLoughlin
Wanderer
1
TODAY
Assistant Coach - Langley
exiledrhino
30
TODAY
Noah Booth out on loan
Butcher
20
TODAY
Luke Gale testimonial match
BarnsleyGull
2
TODAY
England 5 - 0 Ireland
Sadfish
1
TODAY
Magic Weekend 2025 - Back To Newcastle
RLFANS News
1
NEWS ITEMS
VIEWS
2025 Betfred Super League Fixt..
371
Magic Weekend 2025 - Back To N..
524
England Beat Samoa To Take Tes..
1265
England's Women Demolish The W..
1090
England Beat Samoa Comfortably..
1329
Operational Rules Tribunal –..
1123
IMG-RFL club gradings released..
1383
Wakefield Trinity Win Champion..
1922
Hunslet Secure Promotion After..
2141
Trinity Into Play Off Final Af..
2379
Wigan Warriors Crowned Champio..
1953
York Valkyrie Win Back to Back..
2190
Hunslet Book Relegation Play O..
2655
Penrith Panthers Secure Fourth..
2085
Wigan Humiliate Leigh For Gran..
2159


Visit the RLFANS.COM SHOP
for more merchandise!












.