WikiWirral values you and your opinion.
Forum Statistics
Posts1,027,405
Topics75,530
Members13,471
Forums65
Posts in last 24hrs24
Most Online14,906
Nov 23rd, 2019
Who's Online Now
47 registered members (10 invisible), 1,747 guests, and260 spiders.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


Popular Topics(Views 7days)
New General Forums
Hi everyone.
by Harp1st. 6th Aug 2020 12:16pm
The cat got the cream
by snowhite. 23rd Jul 2020 2:25pm
Eddie Flanagan comedian
by mikeeb. 22nd Jul 2020 2:23pm
McDonald's Haven't any Empathy
by BultacoAstro. 13th Jul 2020 1:20pm
New Wirral History
A Stanworth Shop, Birkenhead North
by diggingdeeper. 6th Aug 2020 11:11am
Toll booths Birkenhead Tunnel
by mikeeb. 4th Aug 2020 2:34pm
The new 4 bridges.
by mikeeb. 7th Jul 2020 4:10pm
Outdoor swimming pools
by mikeeb. 30th Jun 2020 4:26pm
WW2 Bomb Map - Wallasey
by red_devil. 9th Nov 2019 12:21am
Forum Tips
Photo Gallery Forums
Boaty McBoatface takes shape
The gathering storm: Mersey waterfront today
Topic Replies
Toll booths Birkenhead Tunnel
by Moonstar. 6th Aug 2020 5:47pm
What Wood?
by Moonstar. 6th Aug 2020 5:39pm
Xbox One Console With RDR 2 And 22" LG TV
by rhoobarb2002. 6th Aug 2020 4:13pm
Roland U-20 Vintage 80s/90s RS-PCM Keyboard/Synth
by rhoobarb2002. 6th Aug 2020 3:41pm
Hi everyone.
by Harp1st. 6th Aug 2020 2:45pm
A Stanworth Shop, Birkenhead North
by bert1. 6th Aug 2020 1:45pm
Coronavirus
by casper. 6th Aug 2020 10:16am
14 Stirrup Arrowe Park Road
by joney. 6th Aug 2020 9:08am
Brook St Birkenhead
by joney. 5th Aug 2020 7:51am
August
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
31
Recent Posts : What's On ?
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: 4,033
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,033
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: 13,523
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 13,523
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: 4,033
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,033
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: 4,033
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,033
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: 13,523
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 13,523
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: 4,033
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,033
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: 17,331
Wirral
granny Offline
Wiki Master
granny  Offline
Wiki Master
Joined: Jun 2011
Posts: 17,331
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: 4,033
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 4,033
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
Hi everyone.
by Harp1st. 6th Aug 2020 12:16pm
A Stanworth Shop, Birkenhead North
by diggingdeeper. 6th Aug 2020 11:11am
Toll booths Birkenhead Tunnel
by mikeeb. 4th Aug 2020 2:34pm
What Wood?
by rocks. 1st Aug 2020 7:12pm
New Merseyrail trains covered in graffiti
by mikeeb. 28th Jul 2020 6:38pm
For Sale & Free
Xbox One Console With RDR 2 And 22" LG TV
by rhoobarb2002. 6th Aug 2020 4:13pm
Roland U-20 Vintage 80s/90s RS-PCM Keyboard/Synth
by rhoobarb2002. 6th Aug 2020 3:41pm
Three light unit
by gerry1. 3rd Aug 2020 10:36am
Carlton Players Birkenhead Theatre Programmes
by NickWirral. 19th Jul 2020 8:54pm
Ipad Mini 5th Gen
by Catsick. 11th Jul 2020 1:58pm
Member Spotlight
granny
granny
Wirral
Posts: 17,331
Joined: June 2011
Show All Member Profiles 
Newest Members
Bobblenose, Johan_Enrik, Oscar27, Barry02020, mpitch
13471 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
What Wood?
by rocks. 1st Aug 2020 7:12pm
Covid testing with certification on Wirral
by CarterUSM. 23rd Jul 2020 10:46am
Neowise comet
by mikeeb. 20th Jul 2020 9:04pm
Polish trades?
by Robivan. 17th Jul 2020 6:29pm
Wirral rocks
by GaryFromWirral. 9th Jul 2020 6:35pm
News : New Topics
New Merseyrail trains covered in graffiti
by mikeeb. 28th Jul 2020 6:38pm
Found bicycle seat cover
by BultacoAstro. 25th Jul 2020 10:43am
Regeneration of New Ferry
by Excoriator. 24th Jul 2020 3:53pm
Painted frontages of new Ferry Shops.
by Excoriator. 23rd Jul 2020 11:29pm
Eastham Train Station
by BultacoAstro. 11th Jul 2020 8:26am
New Enthusiast Forums
Advice Needed Hellcat Carrera rear Wheel
by BultacoAstro. 28th Jul 2020 11:04am
River Mersey , then and now
by cools. 23rd Jul 2020 7:19pm
What is sitting on roof
by BultacoAstro. 9th Jul 2020 11:03am
Cruel ear cropping breeders moved to Bromborough
by venice. 21st Mar 2019 4:10pm
Salt and Blood Pressure
by diggingdeeper. 22nd Sep 2018 7:42pm
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Thu 5:38am
Sunset Thu 8:57pm
Local Time Thu 5:55pm
Powered by UBB.threads™ PHP Forum Software 7.6.1.1