Random letter claiming I owe money from 3 years ago
Discussion
Thanks for the advice and anecdotes.
I think I know what's happened now. The debt collector's client was Nci Insurance Services. I took out a policy with them over 4 years ago but there was a problem with it. I can't remember what it was but I do remember being pretty angry about it as it was a basic lapse on their part. So I cancelled the policy IIRC about 2 days into the cover period.
I seems that Nci have changed their collection company to this Insurance Collections Bureau Ltd shower who've gone back through all of the accounts and if they've not found a cancelation fee on record, determined it was still owed.
I didn't pay one as it was cancelled (IIRC) during the 14 day cooling off period.
Given that it took 25min to get through to Nci I think this may not be an isolated incident. That was certainly the impression I got when I was on the phone, but even so, I had to push the operator hard to get her to investigate it.
So I've fired off a stroppy email and cc'd the financial ombudsman in on it.
I think I know what's happened now. The debt collector's client was Nci Insurance Services. I took out a policy with them over 4 years ago but there was a problem with it. I can't remember what it was but I do remember being pretty angry about it as it was a basic lapse on their part. So I cancelled the policy IIRC about 2 days into the cover period.
I seems that Nci have changed their collection company to this Insurance Collections Bureau Ltd shower who've gone back through all of the accounts and if they've not found a cancelation fee on record, determined it was still owed.
I didn't pay one as it was cancelled (IIRC) during the 14 day cooling off period.
Given that it took 25min to get through to Nci I think this may not be an isolated incident. That was certainly the impression I got when I was on the phone, but even so, I had to push the operator hard to get her to investigate it.
So I've fired off a stroppy email and cc'd the financial ombudsman in on it.
Edited by Zombie on Monday 5th December 14:54
Foliage said:
You have their full bank details, make a charity donation in their name
https://www.oxfam.org.uk/donate/start-a-monthly-do...
Tempting....https://www.oxfam.org.uk/donate/start-a-monthly-do...
Had a missed phone call of the debt collection co last night (where did they get my mob no from? )then a text demanding I ring them. Which I did. Still demanding payment. At which point I may have lost my temper...
So Far I've spent an hour trying to sort this out;
30 min on the phone with NCI
20 min writing an email confirming my findings to Debt Co
10 min on phone with debt co.
Am I entitled to any form of compensation?
)then a text demanding I ring them. Which I did. Still demanding payment. At which point I may have lost my temper...So Far I've spent an hour trying to sort this out;
30 min on the phone with NCI
20 min writing an email confirming my findings to Debt Co
10 min on phone with debt co.
Am I entitled to any form of compensation?
SirTK said:
The tactics they employ include;
"We may need to visit your premises to explain the situation" = "we know where you live"
"We will take you to Court and you will lose, so you will have to pay all Court costs plus our legal costs" = pay £36 or maybe a grand or so.
I went through it for a while over some totally unfair charges Mercedes made to my account. I paid in the end as the hassle was getting too much.
That is my concern, but they don't know where I live, I've moved... (Parent's address)"We may need to visit your premises to explain the situation" = "we know where you live"
"We will take you to Court and you will lose, so you will have to pay all Court costs plus our legal costs" = pay £36 or maybe a grand or so.
I went through it for a while over some totally unfair charges Mercedes made to my account. I paid in the end as the hassle was getting too much.
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