WikiWirral Wirral's Biggest Online Forum
Forum Statistics
Posts1,029,063
Topics75,695
Members13,576
Forums65
Posts in last 24hrs16
Most Online14,906
Nov 23rd, 2019
Who's Online Now
31 registered members (AndyT, 7 invisible), 1,193 guests, and233 spiders.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


Popular Topics(Views 7days)
206 car sales
New General Forums
Wild West (Leasowe)
by GaryFromWirral. 23rd Nov 2020 6:44pm
Sony PlayStation 5 sales
by _Ste_. 21st Nov 2020 9:46am
Ebay fraudsters
by _Ste_. 16th Nov 2020 12:23pm
Dominic Goings
by casper. 14th Nov 2020 9:48am
New Wirral History
Fairs Cameras - Bebington
by diggingdeeper. 23rd Nov 2020 4:08pm
Wirral Home Guard
by bridekirk. 12th Nov 2020 10:34pm
Genealogical Research - Macmillan
by Alex_Macmillan. 10th Oct 2020 11:57am
Outdoor swimming pools
by mikeeb. 30th Jun 2020 4:26pm
122 Wirral Hotel 97 Cleveland Street Russell St
by derekdwc. 4th Jul 2014 9:34pm
Forum Tips
Photo Gallery Forums
Boaty McBoatface takes shape
The gathering storm: Mersey waterfront today
Topic Replies
Brexit Transition
by diggingdeeper. 25th Nov 2020 2:38pm
Award for Corbyn ???
by granny. 25th Nov 2020 1:48pm
Gladstone Theatre Vandalised
by casper. 25th Nov 2020 10:19am
Fairs Cameras - Bebington
by diggingdeeper. 24th Nov 2020 9:00pm
Rockferry high school fire
by cools. 24th Nov 2020 8:58pm
Oxton Flats
by AndyT. 24th Nov 2020 12:09pm
View Ranger
by mikeeb. 24th Nov 2020 10:42am
car stupidity
by diggingdeeper. 23rd Nov 2020 4:15pm
WANTED...used garden roller
by spider. 23rd Nov 2020 3:02pm
November
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 29
30
Recent Posts : What's On ?
View Ranger
by mikeeb. 24th Nov 2020 10:42am
Pontins Southport
by mikeeb. 18th Nov 2020 1:13pm
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: 4,036
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,036
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: 13,728
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 13,728
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.


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Debt Collectors Proof of Payment [Re: fish5133] #1055687
29th May 2018 9:15am
29th May 2018 9:15am
Joined: Mar 2010
Posts: 4,036
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,036
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: 4,036
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,036
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: 13,728
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 13,728
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)


The further you are down the pay scale, the more 'essential' you are when the s--- hits the fan... Sue Farbysmith 2020

Insults are engendered from vulgar minds, like toadstools from a dunghill - Charles Caleb Colton

We don't do charity in Germany, We pay taxes. Charity is a failure of governments' responsibilities - Henning Wehn
Re: Debt Collectors Proof of Payment [Re: fish5133] #1055916
7th Jun 2018 10:06pm
7th Jun 2018 10:06pm
Joined: Mar 2010
Posts: 4,036
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,036
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: 17,529
Wirral
granny Offline
Wiki Master
granny  Offline
Wiki Master
Joined: Jun 2011
Posts: 17,529
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: 4,036
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,036
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
Gladstone Theatre Vandalised
by diggingdeeper. 24th Nov 2020 9:17pm
Oxton Flats
by AndyT. 23rd Nov 2020 6:17pm
Fairs Cameras - Bebington
by diggingdeeper. 23rd Nov 2020 4:08pm
car stupidity
by lincle. 23rd Nov 2020 8:46am
Liverpool Airport
by Excoriator. 22nd Nov 2020 5:42pm
For Sale & Free
2009 Mini 1.4 First - Full JCW Bodykit
by delta6. 23rd Nov 2020 10:14am
Ps4 Glacier White 500gb
by Peter0787. 20th Nov 2020 6:34pm
CALL OF DUTY
by paul110180. 17th Nov 2020 9:44pm
Ipad 5 Mini 256gb
by Catsick. 14th Nov 2020 2:25pm
Chest Freezer
by delta6. 12th Nov 2020 6:32pm
Member Spotlight
sunnyside
sunnyside
wirral
Posts: 44,950
Joined: April 2010
Show All Member Profiles 
Newest Members
vicpitcher, Lilycat, AndyT, mac123, TheSock
13576 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Oxton Flats
by AndyT. 23rd Nov 2020 6:17pm
Pontins Southport
by mikeeb. 18th Nov 2020 1:13pm
divorce
by lincle. 15th Nov 2020 10:48am
eBay Complaints
by granny. 6th Nov 2020 11:33am
Wirral’s Rights of Way Map
by mikeeb. 31st Oct 2020 11:09am
News : New Topics
Gladstone Theatre Vandalised
by diggingdeeper. 24th Nov 2020 9:17pm
Liverpool Airport
by Excoriator. 22nd Nov 2020 5:42pm
Remembrance Sunday
by mikeeb. 8th Nov 2020 9:49am
Firework attack
by lincle. 6th Nov 2020 10:12am
Furlough extended to March
by mikeeb. 5th Nov 2020 4:53pm
New Enthusiast Forums
car stupidity
by lincle. 23rd Nov 2020 8:46am
car sales
by lincle. 19th Nov 2020 4:54pm
Ban on sales of petrol and diesel cars and vans.
by mikeeb. 18th Nov 2020 10:50am
cheap kindle books
by derekdwc. 17th Nov 2020 11:06am
Puppy Mills
by granny. 17th Nov 2020 10:44am
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Wed 7:57am
Sunset Wed 4:01pm
Local Time Wed 2:38pm
Powered by UBB.threads™ PHP Forum Software 7.6.1.1