Hi

I have a lot of debt but I have been able to negotiate with my creditors but one particular company called Universal Debt Collection in Whythenshaw Manchester are not prepared to show any leeway what so ever on a debt they have took up on behalf of Unicom telecoms. The debt is for £529 the majority of which is made up of charges they said they can't drop the charges as it was stated I would get them in the contract if I fell behind with payments on my account this is before it became a debt.

I sent them a expenditure form showing everything and what I can afford to repay I offered £2-50 per week I work but don't earn great money my wife is on disability payment and we get benefits for housing.

This company rang me and told me they can only accept £12-50 per week and when I said I couldn't afford that they told me that debt collectors would be visiting or they would take me to court I replied that as far as I was aware they couldn't send debt collectors for a phone bill & if they did I wouldn't let them in I stated I was going to send a expenditure form & put the phone down.

After they got the expenditure form a woman rang me & said my offer of £2-50 was not acceptable and £12-50 a week was all they can accept when I again said I couldn't afford it she threatened me with bankruptcy stating they would apply for it at 6pm that evening if I didn't agree to their terms this was the end of that call.

A week or 2 later a man rang and told me £12-50 was again only acceptable this time he said to Their client when I asked if I could have the phone number of their client to discuss this debt they stated it was out of their clients hands and they were dealing with this debt so how can £12-50 a week be the only acceptable deal to their client if they are not even dealing with it any more?
I was told in no uncertain terms I would be taken to court and have to pay all their costs as the judge would come down in their favour as they have done on numerous occasions I agreed to a one payment of £12-50 just to get them of my back, can this company do this to me after what I have offered but I do feel under pressure from them and feel they are using bully boy tactics any help with these would be appreciated.

Thanks

Phil

The best place to start is to go to your citizens advice bureau. There they will be able to guide to the best place / people to speak to about this. I know its hard but they will have a lot of resource to give advice based on actual knowledge and not on opinions or assumptions.

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