Free laptop. Who's fault is this?

If it's on her credit rating then I'd definitely be going livid at them...

When first reading it, I thought the best choice was just to go with pay it with the agreed time frame... however, if they've put it on your credit rating, then considering she didn't not pay it, they were just **** I'd be ripping them a new one xD

kd
 
It's her own responsibility to make sure her payments are being made.
With that logic I should've had free or "discounted" rent for 3 months when my landlord set up a direct debit for my rent but it didn't go through for some reason.
Do the right thing and pay what you owe. Don't make the mess any bigger, it's really not worth it and you will not gain anything from it.
 
Ricochet J said:
Never even heard of noddle.co.uk before. Thank you. :)
Click to expand...

It's useless if they can't automatically look up your details. Lived at the same address with the same details for over 10 years and they cannot find me. Experian did immediately.

Sounds like they have a record of who you are and what is owed because they were able to find your girlfriend so easily, which would suggest they still have the credit agreement, even if they don't have the DD forms (which are irrelevant anyway).

Regardless, it is always the responsibility of the consumer to pay up and ensure that payments are being made on schedule. I would say with absolute confidence that even if you decided to take them on over it, the FOS would side with the company in a heartbeat. It's the same principle as cancelling a DDM - always the consumers responsibility, never the company's.

Semi-relevant aside: wherever possible I avoid DDMs like the plague. Companies try to lure me in with freebies for doing it, but it's never worth the hassle imo if it gets screwed up somewhere. Just set a calendar reminder when I need to pay and be done. That way I never need to remember NOT to pay either! :p
 
Last edited:
phone them and ask them to supply you with a copy of the credit agreement,
perfectly reasonable request, for all you know they could be a bunch of chancers.

if they supply a copy of the CA then fair enough get it paid as soon as you can
if they cannot tell them politely to go away
 
Do not pay them a penny without first determining if there is an adverse score on her credit report. If there is, only pay on the condition that these are removed due to the error on behalf of the company in question.
 
SpeedFreak said:
Do not pay them a penny without first determining if there is an adverse score on her credit report. If there is, only pay on the condition that these are removed due to the error on behalf of the company in question.
Click to expand...

This, but also ask for proof of the agreement from the debt collectors first. If they can't find any proof and you get this is writing, you can then contact the credit agencies to have the bad mark removed from your credit report.
 
How about she just pays? She should have noticed the payments weren't coming out and contacted the finance company.

Just pay the money and be done with it.
 
I think i'd be taking this issue back to the purple shirts and going mental at them. You have no contract with this debt recovery company and so you shouldnt have to deal with them. By doing it this way you may get something knocked off the debt. If you just pay through the debt recovery company, you'll just end up paying the full amount.
 
Three years ago and nobody has been in touch? Lost forms?

I'd be paying nothing. Not a penny. I'd be saying to the debt management company prove it or you'd better drop the debt and put a note on her credit rating saying it was a mistake at their end. Whilst your GF was a little silly for not noticing three years of not laptop payments going out the "purple shirts" are at fault.

If you both have a good (or better) credit rating I wouldn't worry too much about one black mark. Worth fighting.

Can't believe people are just saying roll over. Don't be a push over.
 
Delta12 said:
phone them and ask them to supply you with a copy of the credit agreement,
Click to expand...

Never telephone a debt agency, especially if they think you owe them money. Write to them, informing them all correspondence will need to be done in writing. If they ever phone you inform them that you have requested only written correspondence and that any more attempts to contact you buy the phone will class as harassment.

Play hardball with these scumbags.
 
LordSplodge said:
Three years ago and nobody has been in touch? Lost forms?

I'd be paying nothing. Not a penny. I'd be saying to the debt management company prove it or you'd better drop the debt and put a note on her credit rating saying it was a mistake at their end. Whilst your GF was a little silly for not noticing three years of not laptop payments going out the "purple shirts" are at fault.

If you both have a good (or better) credit rating I wouldn't worry too much about one black mark. Worth fighting.

Can't believe people are just saying roll over. Don't be a push over.
Click to expand...

+1

It'd be different if they'd attempted to get the money in the past or even written to her prior to handing over the debt to a collection agency, personally I'd be expecting some serious evidence before even admitting that a debt existed. Onus is on them, not you.
 
[TW]Fox;22583765 said:
Why not do a permanently free credit report at noddle.co.uk instead?
Click to expand...
I was about to try it but....

https://www.noddle.co.uk/privacy-policy

Third Party Disclosure:

Please note that we may disclose your personal information:

to our selected agents, sub-contractors and third party processing companies for the purposes of market research and for analytical and statistical purposes;
the third party provider with which we work from time to time to produce your Confidence Rating;
to any third party, but only to the extent that we are permitted to do so in accordance with the marketing consent given to us by you, or to the extent we are required to do so by law;
to fraud prevention agencies to prevent fraud and money laundering if false or inaccurate information is provided and fraud is identified.
organisations including financial services, insurance providers and credit and debt collection agencies who in turn may use some of the information to help to assess an individual for credit or for the prevention of identity fraud.
Click to expand...

My letterbox is free of spam at the moment and hopefully it'll stay that way...
 
You must log in or register to reply here.
Back
Top Bottom