Debt Company

[Candlelight]

Are they entitled to all of my personal information? I'm tired of having to provide proof of expenditure to them. They've just asked for 3 months worth of bank statements to show proof that my weekly shopping bill has risen sharply. Am I entitled to just make an offer or do I have to supply "proof"? I wondered if giving them my shopping receipts would be sufficient?

[echat11]

Hi CANDLE

Who is the debt company?

Maybe you should write back, asking if they have read the FCA's recent letter to 3,500 lenders 'remind them of the standards they should meet as consumers across the country are affected by the rising cost of living. With household bills expected to continue to rise into the autumn, it is important that firms act now to make sure borrowers struggling with payments and customers in vulnerable circumstances can access the help they need.'

https://www.credit-connect.co.uk/new...ost-of-living/

Maybe the cost of living hasn't effected debt collectors, cost of utility's, food, fuel etc. The 'cost of living' isn't a 3 month thing.

They should ask you to fill in a income and expenditure form rather then ask for bank statements.
Then make an offer, what you can afford, if it's £1, so be it. A Court will only ever ask you to pay what you can afford to pay.

[DE DOGS]

Personally, I think asking for Bank statements is going too far, it's like asking for your life day to day experience, and that is going too far.

[sloane82]

What is the debt regarding?

[Candlelight]

It was passed to the company after a claim for damages.

[Candlelight]

Hi CANDLE

Who is the debt company?

Maybe you should write back, asking if they have read the FCA's recent letter to 3,500 lenders 'remind them of the standards they should meet as consumers across the country are affected by the rising cost of living. With household bills expected to continue to rise into the autumn, it is important that firms act now to make sure borrowers struggling with payments and customers in vulnerable circumstances can access the help they need.'

https://www.credit-connect.co.uk/new...ost-of-living/

Maybe the cost of living hasn't effected debt collectors, cost of utility's, food, fuel etc. The 'cost of living' isn't a 3 month thing.

They should ask you to fill in a income and expenditure form rather then ask for bank statements.
Then make an offer, what you can afford, if it's £1, so be it. A Court will only ever ask you to pay what you can afford to pay.

They are called DWF Law LLP

[Candlelight]

Personally, I think asking for Bank statements is going too far, it's like asking for your life day to day experience, and that is going too far.

I agree and I don't want to have to fill-in and sign any forms either: After all, I don't really get what I'm agreeing to?

[echat11]

They are called DWF Law LLP

They are a firm of solicitors, not a DCA. So DWF has been hired by a Creditor who owns the debt.

[sloane82]

DWF Law Solicitor's ask them what is the debt regarding?

[atticus]

It was passed to the company after a claim for damages.

Do you mean that you have been ordered to pay damages, which you have not paid? If so, you can be summoned to court for a nice detailed grilling about your assets and finances.

[Candlelight]

Do you mean that you have been ordered to pay damages, which you have not paid? If so, you can be summoned to court for a nice detailed grilling about your assets and finances.

No, of course I am paying, I don't feel I have any choice. However, How would you feel if you had been wrongly accused of causing a road traffic accident and the person who had claimed against you had committed perjury?

[atticus]

Anyway, the "debt company" represents a judgement creditor.

[Candlelight]

Anyway, the "debt company" represents a judgement creditor.

Oh, so I guess that means I'm stuck with whatever they want to do to me!

[atticus]

I suppose you are not insured in respect of this.

[Candlelight]

Unfortunately, no. I guess that's one of the reasons why I felt I couldn't defend myself (apart from being very ill at the time of the claim which was 3 years after the accident had ocurred and by then my witness had moved house and changed phone number).