question category: Debt Collectors

Being charged by to separate debt collector
Submitted on: 17th Dec 2008 by Non-Member | Total Answers: 2

I had a credit card with MBNA, unfortunately I had a stroke and was unable to pay the normal charges I wrote to MBNA explaining this and offering to pay what I could.

I was contacted by a debt collector company who I have been paying £10 a month for years. This year I was taken to court by a different company which said that they had bought the debt from MBNA and I have to pay them the courts decided that I had to pay them £82.53 per month I am now a pensioner on £118 per month I have myself, wife and 2 children to keep so we now go without, or at least I do, both these companies say that I owe this money to them and they both have different credit card numbers to the one that was issued to me.

I have written to MBNA to ask what was happening but they are ignoring me I only had 1 card with them so how is this happening as it seems that they sold my debt under 2 different credit card numbers to 2 separate companies, what am I supposed to do.

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Being charged by to separate debt collector

Your case sounds complicated. Are we right in saying that you had a arrangement with a debt collection agency for £10 a month. You then defaulted on your MBNA Credit Card and they sold the new debt to another debt collection agency who after going to court were told they could be paid £82.13?

Did you go to court when the case was heard? Did you complete the budget / statement of affairs that would show what you can and can not afford? If not you need to contact the court and explain that you can pay the CCJ and let them assess your ability to pay again. 

Submitted on: 31st Dec 2008 by TA Member

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Re: Being charged by to separate debt collector

Creditor sometimes sell the same debt to different collection agencies by mistake. It may be you need to ask them to check with the initial creditor. If you think it is the same debt only pay one company and stick to your guns. Ask the other company to check with the initial creditor.

You can ask the court to reduce the repayment amount anyway. Don't pay more than you can afford.

Submitted on: 3rd Feb 2009 by Shaun at Debtaid Member

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