Oh dear...

Its highly unlikely to affect his credit rating unless it goes to court.

AFAIK there is no legal obligation to pay the debt collector, however you do owe the original company* - they can take you to court and get a judgement against you, their useage of the debt collector means they don't run the risk of the debt being written off due to statute of limitations.



* AFAIK even if the debt collector bought the debt unless it was covered in the original contract or you agree a change to the contract there is no legal obligation to pay the debt collector - but that doesn't absolve you of the original debt.
 
Last edited:
I still get harassing texts from Carte Forbes debt collectors. Even after I told them they were chasing the wrong guy.

Basically, couple years ago I lived with a friend. He asked to borrow my phone. Turns out he was using my number to sign up for one of those "pay day loans" crap. They pestered me for a year, I even had a guy over the phone flat out shout at me and call me a liar when I told him my name wasn't Matthew, and he was chasing up the wrong guy.

Carter Forbes keep sending me SmS. with requests that I call them, I'm not calling a prem. rate number -.- ********.
 
Rroff said:
Its highly unlikely to affect his credit rating unless it goes to court.

AFAIK there is no legal obligation to pay the debt collector, however you do owe the original company* - they can take you to court and get a judgement against you, their useage of the debt collector means they don't run the risk of the debt being written off due to statute of limitations.



* AFAIK even if the debt collector bought the debt unless it was covered in the original contract or you agree a change to the contract there is no legal obligation to pay the debt collector - but that doesn't absolve you of the original debt.
Click to expand...

I see, thanks for explaining that.

Do the third party not "buy" the debt off the original company which means if you dont pay the original company wont be bothered as they have their money from the third party?

Edit nevermind you answered my question already, but let my rephrase the question. Your debt will have been paid off by the third party so in effect are you not debt free? How does it not absolve you of the debt?
 
Last edited:
I think some people are missing my point.

If I owe someone some money, which I don't, they should contact me in a professional manner and simply say "you owe money for xxx." What I will not tolerate is cat and mouse games involving ringing and hanging up and requesting me to call a premium rate number. If they hadn't have kept ringing me up and hanging up (happened over 6 times) I would have been happy to speak to them but as far as I'm concerned some complete stranger has claimed they're from 'CSL' which means absolutely nothing, and they have not revealed the nature of why they are trying to contact me in the message. They don't have a leg to stand on.

In the mean time I'll get in touch with our utility providers from last year to make sure all our bills were paid, but I will only deal with the utility providers directly not a bunch of thugs.
 
would you preferred them to call you and leave a message on your voicemail, saying exactly what debt they are chasing and all your personal details? or do you maybe think that might be a bad idea if the number they had was a work/home number where someone else might listen to a message?
The people you do owe money to would have tried to contact you - probably at your previous address - by letter, then since you haven't replied/acted on that, they have tried to recover the amount you owe by getting a collection agency to deal with it

but it really is up to you if you want to bury your head in the sand over what you call tiny amounts of money
 
You must log in or register to reply here.
Back
Top Bottom