Advice please: LEGAL ACTION IMMINENT: JJ Collect Limited

[ITGeek]

Hiya,


New member to this forum, and I have to say it has some great resources so a big thank you first off.

I would like to get some advice regarding a letter I received dated 07/01/2013 (which by the way didn't arrive until the 16th!?)

It is from a company called JJ Collect Limited claiming that legal action is imminent (I have scanned a copy of the letter, personal details removed obviously)

Basically what happened is, that last year I had some business cards printed (17/01/2012). It wasn't for a lot of money, £31.20. I had every intention of paying it then, but almost instantly became seriously ill, and lost my job. With everything happening in my personal life, this bill went to the back of my mind and was completely forgotten about, up until I received this letter. The letter attached also came with a copy of the original invoice.

This company, JJ Collect, are now claiming that legal action is imminent and that "Interest under the late payment of the commercial debts act 1998 Collections costs claimed under the Late Payment of commercial Debts regulation 2002, is £40.

I don't mind paying the original bill, in fact that has been dealt with (paid the original £31.20 on Tuesday). It was never my intention not too as I was more than happy with them. But the thing I am annoyed about, and refusing to pay is this £40 charge for what seems like merely sending me a threatening letter.

Can anyone give some advice on this please, do I have to just lump it and pay them, are they within their rights too charge me this?


Any feedback will be most appreciated.


Thanks in advance,


ITGeek

[CheesedOffCharlie]

Re: Advice please: LEGAL ACTION IMMINENT: JJ Collect Limited

I wouldnt worry about it. You've paid the invoice, it was never chased. You can no doubt prove you fell ill around the time you made the purchase and if they never chased payment you just forgot about it. They wont take you to court for £40.00 when the debt has been settled in full.

Debt collectors always say legal action is imminent.. that is their favorite saying. They would be working on a No Win No Fee basis.. just write to them and say its paid in full and that's the end of the matter.

[labman]

Re: Advice please: LEGAL ACTION IMMINENT: JJ Collect Limited

As long as you've paid the main debt, I'd ignore this as said above. The threat is likely to be just that, a threat, and unlike other debts, given any alleged amount outstanding is owed to the DCA themselves, it is unlikely to be passed on to anyone else. I would not be surprised if you keep getting letters for some time yet, but I honestly think you're safe to ignore them.

[debt man]

Re: Advice please: LEGAL ACTION IMMINENT: JJ Collect Limited

Hiya,


New member to this forum, and I have to say it has some great resources so a big thank you first off.

I would like to get some advice regarding a letter I received dated 07/01/2013 (which by the way didn't arrive until the 16th!?)

It is from a company called JJ Collect Limited claiming that legal action is imminent (I have scanned a copy of the letter, personal details removed obviously)

Basically what happened is, that last year I had some business cards printed (17/01/2012). It wasn't for a lot of money, £31.20. I had every intention of paying it then, but almost instantly became seriously ill, and lost my job. With everything happening in my personal life, this bill went to the back of my mind and was completely forgotten about, up until I received this letter. The letter attached also came with a copy of the original invoice.

This company, JJ Collect, are now claiming that legal action is imminent and that "Interest under the late payment of the commercial debts act 1998 Collections costs claimed under the Late Payment of commercial Debts regulation 2002, is £40.

I don't mind paying the original bill, in fact that has been dealt with (paid the original £31.20 on Tuesday). It was never my intention not too as I was more than happy with them. But the thing I am annoyed about, and refusing to pay is this £40 charge for what seems like merely sending me a threatening letter.

Can anyone give some advice on this please, do I have to just lump it and pay them, are they within their rights too charge me this?


Any feedback will be most appreciated.


Thanks in advance,


ITGeek

IT Geek,

The company JJ Collect is correct when they sent letter out because the client didn't get paid by you when the said invoice was supposed to be paid,sorry your job,but JJ Collect could of enforced the charges for LPC & Interest and could go to court, these days most agency do not threaten legal action unless they are going to take action........

You are lucky the agency stop all action once the invoice was paid, it was more likely the client who you owed money to closed the case.

[teaboy2]

Re: Advice please: LEGAL ACTION IMMINENT: JJ Collect Limited

Hang on a moment Debt Man - I wouldn't be so fast to say they are correct! When they are stating "Interest under the late payment of the commercial debts act 1998. Collections costs claimed under the Late Payment of commercial Debts regulation 2002" and when the OP stated they lost their job (assuming he OP mean employment as in they were an employee) after having the cards printed.

Basically if the business cards where related to the OP's employment then the transaction was business to consumer transaction/contract and "Interest under the late payment of the commercial debts act 1998. Collections costs claimed under the Late Payment of commercial Debts regulation 2002" would not apply as said act and regulation only applies to Business to Business transactions/contracts.

So if it where a business to consumer translation then JJ Collect and/or the company would be in deep water is they went ahead with claiming the collection costs under above regulations. They would also be opening themselves up for a counter claim.

Forgot to Mention - The Interest of late debts only applies to Business to Business transaction/contracts as well.