Sorry this is just a general query out of curiosity to understand the overall process.
If you return your car which was on PCP after doing a VT and finance company sends you a list of charges that you dispute and after back and forth exchanges via emails, letters, phone calls, matter remains unresolved. Then why is the next stage to pass on the matter to debt collection agency?
I mean if car finance company genuinely believes that charges they’ve levied are legitimate, then if customer is asking them to start legal proceedings, why are they instead doing to debt collection agency?
I am curious to know this because your contract is not with any debt collection agency and you are not obliged to engage in any communication with them. They will try to threaten & intimidate you by sending harassing letters, emails, text, phone calls, voicemails, etc.
However, the fact remains that your contract is not with a debt collection agency. And you’re obliged to answer their calls or respond to their letters. If you’ve denied the debt, shouldn’t the matter end up in court straight away?
You can simply write them that their implied rights of access to the property have been revoked and any further letters or phone calls received will be classed as harassment.
Why does a car finance company not take you to court directly despite asking them to start legal proceedings? Why does a debt collection agency come into picture?
I have had fair amount of success dealing with debt collection agencies and have not paid any parking penalties.
Debt collection agency (at least in case of parking ticket disputes) try to harass you for up to a year through letters, phone calls, emails, text, automated voicemail, etc and then in most cases eventually give up. So far I haven’t been taken to court yet having dealt with nuisance of debt collection agencies.
However, want to understand the process as to why car finance company is passing on alleged debt of disputed damage charges (which has been denied in writing by customer) to a debt collection agency rather than straight away starting legal proceedings? 😊
Anyone?
If you return your car which was on PCP after doing a VT and finance company sends you a list of charges that you dispute and after back and forth exchanges via emails, letters, phone calls, matter remains unresolved. Then why is the next stage to pass on the matter to debt collection agency?
I mean if car finance company genuinely believes that charges they’ve levied are legitimate, then if customer is asking them to start legal proceedings, why are they instead doing to debt collection agency?
I am curious to know this because your contract is not with any debt collection agency and you are not obliged to engage in any communication with them. They will try to threaten & intimidate you by sending harassing letters, emails, text, phone calls, voicemails, etc.
However, the fact remains that your contract is not with a debt collection agency. And you’re obliged to answer their calls or respond to their letters. If you’ve denied the debt, shouldn’t the matter end up in court straight away?
You can simply write them that their implied rights of access to the property have been revoked and any further letters or phone calls received will be classed as harassment.
Why does a car finance company not take you to court directly despite asking them to start legal proceedings? Why does a debt collection agency come into picture?
I have had fair amount of success dealing with debt collection agencies and have not paid any parking penalties.
Debt collection agency (at least in case of parking ticket disputes) try to harass you for up to a year through letters, phone calls, emails, text, automated voicemail, etc and then in most cases eventually give up. So far I haven’t been taken to court yet having dealt with nuisance of debt collection agencies.
However, want to understand the process as to why car finance company is passing on alleged debt of disputed damage charges (which has been denied in writing by customer) to a debt collection agency rather than straight away starting legal proceedings? 😊
Anyone?