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The debt is a FE College tuition debt. I had attended college last year for only a few weeks. l had gotten sick and had to stop the classes right before l had sent in the grant paperwork.
l didn't think anything about paying for the course as l had quit. (my fault)
Then in April l received a letter from the college demanding payment in full! £371 total. l called them and explained my situation and the woman in the finance office said "tough pay up!!"
Then in August l received this letter from TNC demanding that l pay £251. £120 had been taken off!
Then about 2 weeks later l get a letter from the college offering the £251 so l called them and she said "pay up now!" l again explained my situation and they said "tough you could have offered payment with us but now it's gone to collections!" But how could l have offered payment to the college when it was given to the collection before l had received their bill?
l did offer them £20 a month...Believe me if l could give more l would, and some months l am able to IF l have done extra time at work. I work part time and only get paid once a month and with putting food on the table, heating, lights etc and diesel for the car so l can get to work, it pretty much takes most of my wage.
How do you go about paying off debt collections? l have offered them £20 a month and they said no and would only accept their offer. They would only accept my £20, IF they saw proof by way of Bank Statement. He said that l could not delete anything on the statement and could only send it as it's sent out to me. I did not send in the bank statement!
I sent them a letter stating that l would only talk to them by mail and to stop phoning the house. They haven't stopped phoning even had the cheek to ask for a mobile number, l get a call every other day from them. Husband asked them one time if they needed a translator for the letter as they didn't seem to understand that they are not to phone!
l also received a letter saying they are going to take me to court for full payment and that l would have to pay court costs etc. They also would garnish my wages for payment.
l really don't want them garnishing my wages! If l had someone to borrow the £251 from l would and just pay them but l don't, so this is what l am left with!
So if l started paying them £20 a month that l offered, do they have to accept it? Will they still take me to court?
If l pay them by postal order and sent it registered post how do l keep proof of payment? Is that the receipt the post office gives you or should l make photo copies of the payment? I know that sounds like a dumb question but if l am going to pay them, l want absolute proof that l have paid!
Thanks so much for your help!
l didn't think anything about paying for the course as l had quit. (my fault)
Then in April l received a letter from the college demanding payment in full! £371 total. l called them and explained my situation and the woman in the finance office said "tough pay up!!"
Then in August l received this letter from TNC demanding that l pay £251. £120 had been taken off!
Then about 2 weeks later l get a letter from the college offering the £251 so l called them and she said "pay up now!" l again explained my situation and they said "tough you could have offered payment with us but now it's gone to collections!" But how could l have offered payment to the college when it was given to the collection before l had received their bill?
l did offer them £20 a month...Believe me if l could give more l would, and some months l am able to IF l have done extra time at work. I work part time and only get paid once a month and with putting food on the table, heating, lights etc and diesel for the car so l can get to work, it pretty much takes most of my wage.
How do you go about paying off debt collections? l have offered them £20 a month and they said no and would only accept their offer. They would only accept my £20, IF they saw proof by way of Bank Statement. He said that l could not delete anything on the statement and could only send it as it's sent out to me. I did not send in the bank statement!
I sent them a letter stating that l would only talk to them by mail and to stop phoning the house. They haven't stopped phoning even had the cheek to ask for a mobile number, l get a call every other day from them. Husband asked them one time if they needed a translator for the letter as they didn't seem to understand that they are not to phone!
l also received a letter saying they are going to take me to court for full payment and that l would have to pay court costs etc. They also would garnish my wages for payment.
l really don't want them garnishing my wages! If l had someone to borrow the £251 from l would and just pay them but l don't, so this is what l am left with!
So if l started paying them £20 a month that l offered, do they have to accept it? Will they still take me to court?
If l pay them by postal order and sent it registered post how do l keep proof of payment? Is that the receipt the post office gives you or should l make photo copies of the payment? I know that sounds like a dumb question but if l am going to pay them, l want absolute proof that l have paid!
Thanks so much for your help!
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