Dealing with the debt collector

It’s because it’s personal it’s getting under my skin.  I’ve had letters from a debt collector before, wrongly address to our home, but this is our debt and they obviously want their money back.

Background.  I have many postings on the dreaded Legal Aid applications.  It was a nightmare completing the forms during a nightmare time.  We were honest and declared everything we could think of, we were naive I now discover.  Eventually Legal Aid was granted a matter of months before Mike’s court appearance and we were jointly assessed as having the ability to pay nearly £10,000.00 for the privilege of a barrister recommending he plead guilty to everything.  Oh, that came as a shock.  Mike was in a mental position to disagree with just one charge, which was dropped, the rest he confessed to, even though the amount was inaccurate and grossly inflated.  The advice was that no jury would have sympathy given his significant salary.  We had thought a jury might question why he was the only person in the whole company who did not receive bonus payments for the last 8 years of employment.  Anyway, it was over and done with.

Before Mike even went to prison, before he had even been sentenced, the Legal Services Commission had sold our debt to Rossendales, a debt collection agency – you can read about them on the web, they have many commentators.  We started to receive letters demanding payment, although we had pointed out our bank accounts were still frozen and we had no means to pay.  They chased until Mike was sentenced, then there was a lull for 13 months.

Now he’s been out for two months and obviously loaded – they are hungry for their money.  This is what happens, this is the reality of crime.  Mike repaid every penny of what he was accused of stealing, well, we do not know the actual figures he repaid because we were not privy to the amounts the investments had accumulated, but the pots of money were all returned.  He served a prison sentence, he is currently “out on licence” meaning he is subject to a curfew until February 2013.  He has a criminal record and no job.  I earn above – just – minimum wage, so we have no help from the state (rest easy there) I provide the food and shelter.  He has no bank account and no money to put into one anyway. He is trying to find work and is hopeful his situation will change in the New Year.

And now Rossendales have taken to calling every morning, in the latest call advising they would phone every day until the debt is paid.  How helpful.  Rest easy, we have now written advising them to cease and desist.  We wish to enter into a payment plan, but this needs their agreement.  But what a situation to be in.  For us, we are educated, we can research and discover that we should not be bullied and as a registered collections agency they have a code of conduct to comply with.  We wish to pay our debt, but threats of a legal charge being put on my home really doesn’t help the matter.  What villains they are but more depressing is the fact that the Legal Services Commission can sell such a debt on.

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