My broadband contract will finish on Sept 2007, if i'll cancel i need to pay the balance so i decided just to leave it as it is until Sept. Meaning i'm still paying until now, I don't have late payment, i always pay 3 months advance because that is the agreement i entered. I change address(other country) and still paying up to date. i ask the tenant to forward my letters to my present address which they did. the first letter i ignore because they are charging the full amount, i dont have arears until i got a letter again saying they will forward my balance to debt recovery so i settled the amount(late) and they didn't say anything they just receive the payment. Because i always receive all letters very late, i found out the debt recovery is charging me their services and they will forward to their solicitor if payment not made on the date mention but the date has lapse. Whats your advice aside from paying because i believe i am not liable to this fee as my payment is up to date.
I've got Proof of payment. The debt recovery agency are aware that i have settled my balance direct from my provider and now they are threatening to file charges if the fees not paid. Can a debt recovery agency file charges against me just because i didn't pay their fees?
Answer by Etta P
If you indeed have proof you paid the creditor directly then you should not be liable. The debt recovery agency would have never gotten it if the original creditor had reported the debt paid in a timely manner. Tell them that and let them know you have the supporting documention. Sometimes if they know that you are aware of the rights you have under the FCRA they will stop because they will not make any money. In the united states the collection agency must send you a letter giving you 60 days to dispute the debt, they must then provide you evidence that the debt is still owed. If they send the information to the credit bureaus them you would provide your proof to the. They must remove it from the bureaus under the FCRA
What do you think? Answer below!
Orignal From: Am i liable to pay the debt recovery even though i have settled my balance from my provider?
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