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Moon phases

Helping my friend about debt

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Helping my friend about debt

Post by Elc on Sun Jun 03, 2018 9:56 am

I have a question about the debt collector whom admit that they are the current collector to the former creditor (the bank)
First of all my friend got a phone call from a debt collector saying that he owes money to the bank, and demand him some payment, because he was at work, he just agreed to them and made some payment arrangements.( this happened in 2017).
After about 6-7 payments made to debt collector, my friend had a doubt about those payment whether hes paying to the right company.So he stopped the payment to them in october 2017.
After 3 months passed, the debt collector called him again and demand to continue his payment. He tried to arranged his payment to be lower than before. but they declined it.
So in 2018 my friend asked the debt collector through email for a copy of original application that signed by him and the bank, they could not provide it and said to him that the original creditor provider is unable to provide the collector a copy of the original application.
They just keep sending him a statement(from debt collector not the bank) of the debt with interest and still increasing until now. then not long ago my friend got a phone call from them saying that "his account has been selected as part of a special campaign whereby if they can agree to a repayment arrangement that he can afford, they might be able to get an interest concession approved"

My question are:
He never sent out 3letters, is it to late to send it now?
Can they keep demanding for payment after all that?
Do they even allowed to charged interest after they cant provide him with the document that he asked for?
How does he be able to know that the alleged debt is the real debt that they bought from the bank if they cant provide the original contract?
What can happen if he doesn't get the document that he asked for, can or will the debt collector provide something else that will take him to court? He's just doesn't want to be involve in case of legal proceeding in the future, he's just want proof that the company that hes been paying is the real one.

What does he need to do?

Sorry for this long story, its just my friend is really streesed about it. Please help!!
Thank you

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Re: Helping my friend about debt

Post by daveiron on Sun Jun 03, 2018 2:45 pm

Hi Elc,

Your friend needs to decide whether to stand his ground or comply with everything they demand.
First he needs to find if they are acting for the bank or have purchased the debt, in either case he can use the appropriate letters .


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Re: Helping my friend about debt

Post by Elc on Tue Jun 05, 2018 12:03 am

Dont they need to provide him the documents that he requested before moving forward?

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Re: Helping my friend about debt

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