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Moon phases


Settlement

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Settlement Empty Settlement

Post by richardlewis on Fri Apr 12, 2019 8:42 pm

Hello

Quick question about haggling on the settlement amount.

The debt is £1000 and they have offered to settle for £750, I said no but they said I could make an offer.

What is a realistic amount they will accept? the debt is 8 years old and they probably just want rid of it.


P.S mods this is not my real name Smile

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Settlement Empty Re: Settlement

Post by daveiron on Fri Apr 12, 2019 10:23 pm

Hi,  Have you made any payments in the last 6 years ? if not it may well be statute barred & therefor not
enforceable .
Offering you a discount usually means they have insufficient documentation for a valid proof of claim. Otherwise
they would not be offering it,why would they ?
Please give us more info.
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Post by assassin on Sat Apr 13, 2019 2:31 am

£0 and F*ck Off would be my offer, and as Dave has already said, we need a little more detail.

If they have bought the alleged debt they would normally pay around £10-20 for it as part of a large group of debts and they offer discounts to get you to agree to pay something, and anything over £20 makes them a profit so put ths into context.

If the debt is 8 years old and you have made no payments in the last 6 years then it is statute barred and unenforceable and several companies buy statute barred debts and try to scare people into paying something, if they buy a batch of statute barred debts as a block of 1000 and they get a 70% success rate on some payments then they make a huge profit, and can afford a loss on the remaining 30% of them.

Some try to get you to pay something and many of them put £10 into your account themselves and claim you paid £10 and serviced the debt, therefore acknowledging it; and this is why the paperwork is so important, their usual trick is to say an agent called and you gave him £10 in cash so there is no paper trail leading back to them.
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Post by Mrblue on Sat Apr 13, 2019 7:02 am

Sh*t the alleged debt is £1000 and they may have paid as little as £10/£20 for it!

Anyone reading this thread; that’s all you need to know in terms of the scum you’re up against! Don’t tell me that sort of extortion is not worth fighting against! Smile
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