WikiWirral Share a Little Learn a Lot about your Wirral
Forum Statistics
Posts1,013,988
Topics74,834
Members12,884
Forums66
Posts in last 24hrs27
Most Online7,831
Apr 8th, 2013
Who's Online Now
49 registered members (alan128, 10 invisible), 982 guests, and333 spiders.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


Popular Topics(Views 7days)
71 ISIS
New General Forums
ISIS
by casper. 14th Feb 2019 9:32am
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:29pm
Donald Trump
by Salmon. 12th Feb 2019 10:11am
BBC Bias
by granny. 10th Feb 2019 10:16am
New Wirral History
Bidston Hall
by RUDEBOX. 12th Jan 2014 8:46pm
Morpeth Buildings Brook St
by Ducko. 12th Jan 2009 11:39am
Forum Tips
Photo Gallery Forums
WW1 Monument, Birkenhead
No more bridge, never be the same
Topic Replies
What song are you listening to?
by Dilly. 15th Feb 2019 10:22pm
Very ill informed distracted youth " protesting "
by granny. 15th Feb 2019 8:53pm
European Parliament on now.
by granny. 15th Feb 2019 8:49pm
School Kids Climate Change Protests
by fish5133. 15th Feb 2019 2:08pm
Vue Cinema and Birkenhead Market For Demolition?
by diggingdeeper. 14th Feb 2019 11:34pm
Rescued Animals.
by lincle. 14th Feb 2019 4:28pm
The River Tame
by granny. 13th Feb 2019 8:44pm
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:30pm
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:29pm
February
M T W T F S S
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28
Recent Posts : What's On ?
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:30pm
Previous Topic
Next Topic
Print Topic
Rate Topic
Debt Collectors Proof of Payment #1055674
27th May 2018 7:09pm
27th May 2018 7:09pm
Joined: Mar 2010
Posts: 3,913
Heswallish
F
fish5133 Online content OP
Forum Guardian
fish5133  Online Content OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,913
Heswallish
Recently received a couple of undated letters from (i wont say who) saying i had an outstanding amount on an account for something i received from them about 10 weeks ago.

Interestingly about a week after i received (it) they phoned me up to basically say they were not sure if i had paid and that could i check my bank statement as they had it recorded as a debit card payment. I thought i had paid cash..They basically admitting there was a problem at their end. No bank record of a payment to them on my bank statement (probably because i paid cash).

The second letter was politely threatening the debt collection agents if payment not made within 7 days (from when..as letters undated)

Rummaging through my draw i find the receipt of payment saying i had paid them the full amount (albeit recorded as a debit card transaction)

Am i holding 4 aces ???

My daughter works for a similar company and says it is possibly they have marked it as a card payment when i have paid cash.

Letter and photocopy of receipts on its way to them... Never met a debt collector before...

Google Ads
Re: Debt Collectors Proof of Payment [Re: fish5133] #1055675
27th May 2018 10:50pm
27th May 2018 10:50pm
Joined: Jul 2008
Posts: 12,333
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 12,333
Birkenhead
You could also point out that potentially this is one of their employees pulling a scam, taking the cash and marking the bill as paid by debit card. You could also report it to the police as a potential fraud/scam.

The balance of probability is in your favour, they haven't issued you an unpaid invoice, so legally how can you possibly owe them money?

Undated demands show how loose their business practices are and will also go against them.

Have they got CCTV covering the tills?

Just in case of the very unlikely event they hand it over to a debt collector, state that as the event, the company and yourself live in this area you want the court to be local, using a distant court (eg to suit the debt collector) would be an unfair and irrational inconvenience.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

We should judge our economy by the absence of poverty, not the number of billionaires - Jeremy Corbyn
Re: Debt Collectors Proof of Payment [Re: fish5133] #1055687
29th May 2018 9:15am
29th May 2018 9:15am
Joined: Mar 2010
Posts: 3,913
Heswallish
F
fish5133 Online content OP
Forum Guardian
fish5133  Online Content OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,913
Heswallish
Thanks for a couple of extra bullets DD. Popped in this morning to hand my letter in and most of the girls working there looked very young . Had thought about the scam thing..wonder how many letters they sent out..that would be quite telling..

Re: Debt Collectors Proof of Payment [Re: fish5133] #1055912
7th Jun 2018 6:01pm
7th Jun 2018 6:01pm
Joined: Mar 2010
Posts: 3,913
Heswallish
F
fish5133 Online content OP
Forum Guardian
fish5133  Online Content OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,913
Heswallish
After me dropping letter off with photocopy of receipt of payment i get no response from dentist (it was dental work i had basic check up) but today i get a letter from a debt recovery service threatening possible legal action if i dont pay. Whats interesting is the amount they say I owe is different from the amount the dentist letter said i owed...further administration cock up by the dentist.

Have emailed debt services asking if they have copy of letter sent to dentist with the receipt of payment and suggested to speed things up I wont be paying the alleged amount and will be taking legal advice about the stress and alarm it is causing me.. Can imagine how intimidating these letters can be to some people..probably 20 years ago i would have been quite worried...

On the mercenary front if they take me to court and lose can i get any recompense for time lost etc etc

I like the threat in the letter that should i need any more treatment at the dentist they may deny it until account settled...as if i would want to go back to that dentist..

Been about 45 years since i last saw the inside of a court (other than jury service) ..Bring it on...

Re: Debt Collectors Proof of Payment [Re: fish5133] #1055914
7th Jun 2018 8:20pm
7th Jun 2018 8:20pm
Joined: Jul 2008
Posts: 12,333
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 12,333
Birkenhead
From now on you have to be very careful, they sometimes attempt every sneaky trick under the sun almost always without the proper court approval.

Don't ever let them into your home even to "just talk", it can change rights to their favour once you have done so.

I'd contact citizens advice, they sometimes make one phone call and it all goes away.

Ask the debt collectors for a copy of the invoice that action is being taken on, they probably won't provide it - willingness and co-operation is an important part of the court's decision.

Debt collectors have no powers whatsoever other than to ask you to pay the debt, it is rare they visit you.

Basically you are probably safe now until you get the pack from the court (in the unlikely event they go to court). Its usually just a scare tactic, I doubt the dentist has followed the correct procedure before passing the debt to the debt collector. If they thought they had a genuine case they would have used the small claims court, it makes no sense to use a debt collector unless you think the victim will bow under pressure.

If you win you can ask the court to consider costs but this is far from automatic and the sums are not huge.

imho (of course)


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

We should judge our economy by the absence of poverty, not the number of billionaires - Jeremy Corbyn
Re: Debt Collectors Proof of Payment [Re: fish5133] #1055916
7th Jun 2018 10:06pm
7th Jun 2018 10:06pm
Joined: Mar 2010
Posts: 3,913
Heswallish
F
fish5133 Online content OP
Forum Guardian
fish5133  Online Content OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,913
Heswallish
cheers for your pennyworth DD. Lifes full of interesting surprises. Like the idea of asking for a copy of the invoice...for my legal team of course!

Re: Debt Collectors Proof of Payment [Re: fish5133] #1055920
8th Jun 2018 12:41am
8th Jun 2018 12:41am
Joined: Jun 2011
Posts: 16,124
Wirral
granny Offline
Wiki Master
granny  Offline
Wiki Master
Joined: Jun 2011
Posts: 16,124
Wirral


Why do you not go back to the dentist. It seems as if they have contacted you and failed to do anything about it, so an automatic letter has been sent out.

Three occasions in the last week, I have had cock -ups from three different companies. British gas constantly make cock-ups, and I'm sick of spending time and money on the phone to follow up their errors.

These are the degree generation from 'education, education, education'. ...... bloody useless ! (most of them)


Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
~Chief Seattle
Re: Debt Collectors Proof of Payment [Re: granny] #1055960
9th Jun 2018 12:28pm
9th Jun 2018 12:28pm
Joined: Mar 2010
Posts: 3,913
Heswallish
F
fish5133 Online content OP
Forum Guardian
fish5133  Online Content OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,913
Heswallish
Originally Posted by granny


Why do you not go back to the dentist. It seems as if they have contacted you and failed to do anything about it, so an automatic letter has been sent out.

Three occasions in the last week, I have had cock -ups from three different companies. British gas constantly make cock-ups, and I'm sick of spending time and money on the phone to follow up their errors.

These are the degree generation from 'education, education, education'. ...... bloody useless ! (most of them)


Lets hope the ones who control are airplanes, trains, weapons etc dont make any..


Moderated by  Mod 

Random Wirral Images

Click to View Topic.
Newest Topics
European Parliament on now.
by granny. 15th Feb 2019 3:26pm
School Kids Climate Change Protests
by fish5133. 15th Feb 2019 2:08pm
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:30pm
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:29pm
Vue Cinema and Birkenhead Market For Demolition?
by fish5133. 12th Feb 2019 11:35pm
For Sale & Free
Any old computer hardware
by TheComputerLab. 12th Feb 2019 9:13pm
For Sale: Mountfield ride on lawnmower 7hp. £50!
by anniebo28. 6th Feb 2019 4:26pm
Thermaltake watercooling for a PC
by TheComputerLab. 4th Feb 2019 10:40am
Various Free Items
by rhoobarb2002. 2nd Feb 2019 1:40pm
Green Mineral ROOF FELT
by spgb1a. 25th Jan 2019 3:31pm
Member Spotlight
lansyp
lansyp
rockferry
Posts: 1,468
Joined: July 2009
Show All Member Profiles 
Newest Members
Kaylawritinglife, Nick_senior, tra1981, Legolady, fingertipsaint
12884 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Join Us Tonight .. FREE ENTRY ..
by WargamerNik. 13th Feb 2019 12:30pm
Vue Cinema and Birkenhead Market For Demolition?
by fish5133. 12th Feb 2019 11:35pm
electrician
by lincle. 5th Feb 2019 7:32pm
Calor Gas Stoves
by muzzy2. 3rd Feb 2019 9:05am
Post deliveries cancelled?
by j_demo. 31st Jan 2019 8:05pm
News : New Topics
School Kids Climate Change Protests
by fish5133. 15th Feb 2019 2:08pm
Brief brown-out in New Ferry
by Excoriator. 11th Feb 2019 10:53pm
Very ill informed distracted youth " protesting "
by svenlock68. 11th Feb 2019 10:30am
Trees Down
by diggingdeeper. 7th Feb 2019 8:39am
Missed Bin Collections
by diggingdeeper. 5th Feb 2019 4:14am
New Enthusiast Forums
European Parliament on now.
by granny. 15th Feb 2019 3:26pm
RIP Gordon Banks
by diggingdeeper. 12th Feb 2019 1:48pm
NAILS IN DOG BISCUITS
by venice. 8th Feb 2019 10:24am
Super Bowl Chilli
by granny. 5th Feb 2019 2:13pm
Inside Europe
by granny. 5th Feb 2019 10:54am
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Fri 7:29am
Sunset Fri 5:22pm
Local Time Fri 10:22pm
Powered by UBB.threads™ PHP Forum Software 7.6.1.1