Welcome to WikiWirral, sharing is what we do best.
Forum Statistics
Posts1,021,077
Topics75,209
Members13,147
Forums66
Posts in last 24hrs17
Most Online13,264
Oct 31st, 2019
Who's Online Now
40 registered members (anonyme, 6 invisible), 1,335 guests, and179 spiders.
Key: Admin, Global Mod, Mod
Social Media : Follow Us


Popular Topics(Views 7days)
New General Forums
T.V. Adverts.
by Fidelio. 13th Nov 2019 12:26pm
16yrs : Happy Birthday Wikiwirral
by Mark. 11th Nov 2019 1:18pm
THE OLD HOUSE, LIMEKILN LANE, WALLASEY
by GillDennis. 5th Nov 2019 5:53pm
God, the Universe and all that.
by Fidelio. 29th Oct 2019 6:15pm
New Wirral History
Poulton named Poton 1579
by granny. 13th Nov 2019 12:03pm
WW2 Bomb Map - Wallasey
by red_devil. 9th Nov 2019 12:21am
New York Times on Birkenhead Park / Central Park
by yoller. 7th Nov 2019 1:50pm
Birds House
by GillDennis. 7th Nov 2019 12:49pm
755 Beer Keg Wallasey Road Liscard
by derekdwc. 16th Oct 2018 7:55pm
Forum Tips
Photo Gallery Forums
Boaty McBoatface takes shape
The gathering storm: Mersey waterfront today
Topic Replies
Flooding !
by diggingdeeper. 18th Nov 2019 10:17pm
What song are you listening to?
by diggingdeeper. 18th Nov 2019 12:38pm
Mortimer's Toy Shop Moreton
by moretonkiwi. 18th Nov 2019 12:28am
375 The Warwick, Westbourne Road, Birkenhead
by locomotive. 17th Nov 2019 9:07pm
Land Clearance in Rock Park
by Excoriator. 16th Nov 2019 10:47pm
Chat : Wirral Pubs Past & Present
by diggingdeeper. 15th Nov 2019 11:07pm
Woodchurch Road
by diggingdeeper. 14th Nov 2019 2:24pm
70 Arab Arms
by diggingdeeper. 14th Nov 2019 1:46pm
Poulton named Poton 1579
by granny. 14th Nov 2019 10:26am
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 ?
Japanese Autumn Festival 26th October
by Touchstone. 20th Oct 2019 7:43pm
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: 3,965
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,965
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: 12,870
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 12,870
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: 3,965
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,965
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: 3,965
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,965
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: 12,870
Birkenhead
diggingdeeper Offline

Wiki Master
diggingdeeper  Offline

Wiki Master
Joined: Jul 2008
Posts: 12,870
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: 3,965
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,965
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: 16,603
Wirral
granny Offline
Wiki Master
granny  Offline
Wiki Master
Joined: Jun 2011
Posts: 16,603
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: 3,965
Heswallish
F
fish5133 Offline OP
Forum Guardian
fish5133  Offline OP
Forum Guardian
F
Joined: Mar 2010
Posts: 3,965
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
Land Clearance in Rock Park
by Excoriator. 16th Nov 2019 10:47pm
Flooding !
by granny. 15th Nov 2019 11:55am
Oakdale Mission
by Mason. 13th Nov 2019 4:15pm
Poulton named Poton 1579
by granny. 13th Nov 2019 12:03pm
Heaters on Renault Modus
by lauren_lfc89. 11th Nov 2019 10:01am
For Sale & Free
The Last of Us Ps3 game
by ultimate. 9th Nov 2019 2:49pm
5 Dapol Plastic Locomotive OO Gauge Kits
by Catsick. 8th Nov 2019 8:53am
Wanted 10mtr 2.5mm twin earth cable
by spider. 25th Oct 2019 5:02pm
Needs to be gone.
by RedTom. 23rd Oct 2019 12:22pm
Free 4x2” wooden lengths
by mike1965. 21st Oct 2019 11:21am
Member Spotlight
conan
conan
wirral
Posts: 273
Joined: May 2004
Show All Member Profiles 
Newest Members
Lay18, Layo13, SueGowers, JonWirral, soonguy
13147 Registered Users
Today's Birthdays
No Birthdays
New Wirral Info
Land Clearance in Rock Park
by Excoriator. 16th Nov 2019 10:47pm
Oakdale Mission
by Mason. 13th Nov 2019 4:15pm
Cheap skip hire
by spgb1a. 8th Nov 2019 1:05pm
Helium Balloon Gas Bottles Disposal
by spgb1a. 5th Nov 2019 5:44pm
Roofer in Upton area - any recommendations please?
by CarterUSM. 24th Oct 2019 10:16am
News : New Topics
Flooding !
by granny. 15th Nov 2019 11:55am
New Brighton Latest Art Installation
by GaryFromWirral. 4th Nov 2019 8:50pm
Bonfire Night and Hedgehogs
by granny. 29th Oct 2019 11:50am
Dumping the flyovers.
by Excoriator. 25th Oct 2019 6:43pm
Authentic Turkish Barbers
by granny. 21st Oct 2019 7:30pm
New Enthusiast Forums
Heaters on Renault Modus
by lauren_lfc89. 11th Nov 2019 10:01am
3 series E90 Front Coil Spring
by conan. 9th Nov 2019 3:03pm
Cheapest place for CAT5 (etc) cable
by Littlebear. 27th Oct 2019 1:18pm
Tribe next door
by cools. 23rd Oct 2019 2:30pm
Jimmy savilles little cottage in Scotland.
by snowhite. 17th Oct 2019 9:35am
Popular Topics(Views 24hrs)
Wirral Sunrise Sunset
Sunrise Tue 7:45am
Sunset Tue 4:09pm
Local Time Tue 11:32am
Powered by UBB.threads™ PHP Forum Software 7.6.1.1