Nuisance calls off Pocket Money Debt Collection

Guy:Incognito

TequilaMockingBird wrote: »

The OP obviously doesn't have the money to pay the bill.

Have you spoken with the debt collectors and come to an arrangement for installments?

This is happening to small businesses all over the country. Stock ordered three months ago is sold and goes to pay the rent first, then other essentials, and low and behold, when the payment is due after 90 days the cash is not there. "Just pay the bill FFS" is not very helpful.

The OP's situation or circumstances matter little to the person he owes money to, who may well be teetering on the brink themselves. He bought their goods and has an obligation to pay for them in the time agreed. What other bills he has is of no relevance to the supplyer.

the_syco

TequilaMockingBird wrote: »

This is happening to small businesses all over the country. Stock ordered three months ago is sold and goes to pay the rent first, then other essentials, and low and behold, when the payment is due after 90 days the cash is not there. "Just pay the bill FFS" is not very helpful.

And in this case, it seems the OP is not paying one such firm, so they now have to employ someone to do so.

TequilaMockingBird

the_syco wrote: »

And in this case, it seems the OP is not paying one such firm, so they now have to employ someone to do so.

Stekelly wrote: »

The OP's situation or circumstances matter little to the person he owes money to, who may well be teetering on the brink themselves. He bought their goods and has an obligation to pay for them in the time agreed. What other bills he has is of no relevance to the supplyer.

Absolutely, he owes the money, it has got to be paid.

My point was - the responses saying "FFS just pay the money" are not helpful.

I think, judging by the OPs recent posts, that there is a lack of communication, not just here (:p), but with the supplier and the debt collection agency.

Your gonna have to listen to that message OP! Make an arrangement with them - that you can realistically stick to- and they'll get off your back/phone line.

Bomberman

TequilaMockingBird wrote: »

Absolutely, he owes the money, it has got to be paid.

My point was - the responses saying "FFS just pay the money" are not helpful.

I think, judging by the OPs recent posts, that there is a lack of communication, not just here (:p), but with the supplier and the debt collection agency.

Your gonna have to listen to that message OP! Make an arrangement with them - that you can realistically stick to- and they'll get off your back/phone line.

theres no number to call?!! so theres no way to speak to them and the supplier doesnt care!!

mikemac

Don't ignore the situation OP

If you can't afford the bill now, make an arrangement to pay installments . And if/when this goes to court the judge will see that you've made an effort

TequilaMockingBird

Bomberman wrote: »

theres no number to call?!! so theres no way to speak to them and the supplier doesnt care!!

What does the automated message say then?

You have been given their e-mail address here, have you written with a suggested repayment plan?

darc

Elessar wrote: »

Debt collectors have absolutely no powers here. None. Zilch. They cannot force you to pay, they cannot come to your house/business and seize property, they can't threaten you. They have ZERO powers.

The ONLY way a "debt collector" can get money off you is to take you to the district court. There it's all legal and you can fight your case to the judge to pay a certain amount a week etc. But it's rarely used for individuals as it's simply too costly.

The only way the creditor can forcefully seize assets is through the county sheriff, who can be employed on foot of a district court order. And that is the only way he can be used.

Debt collectors are just scaremongers for the uninformed. They'll pester and try to scare you into paying, but unless they are going to take you to court, they well know there is diddly squat else they can do.

Pay what you owe. But ignore the phone calls. If they get threatening, inform the guards.

But when it goes to court - and its a lot easier & quicker than it used to be - the court will have no pity whatsoever for the debtor if he/she is shown to have made no attempt whatsoever to make payment arrangement. Therefore the court will award all costs & interest against the debtor and on top of that having a court judgement will affect your credit ability for a period of 6 years thereafter.

If a debtor has shown willingness to enter into a payment plan prior to legal action, then the court will reserve judgement and may even not award costs especially if the creditor did not accept a reasonable payment plan.

kittenkiller

Unless the calls are advertising something, the use of a dialer and autotext message are not illegal.

The use of services like this is only going to increase from here on in.

Call the company you owe and see what sort of payment plan you can arrange with them.
If you don't show an effort (at the very least) to pay you could end up forking out for the debt collection service and paying for all of those calls that started this in the first place depending on what the contract with the supplier states (most will include a cover for debt collection fees).

foggy_lad

name and shame the companies using services like this!

Zab

I suppose you could ring your telephone provider and see what they can do.

ScouseMouse

foggy_lad wrote: »

name and shame the companies using services like this!

Name and shame?

Are you reading the same thread as I am?

The OP hasnt paid for supplies he got and after repeated attempts to get payment, the creditor has called in a debt collection agency. And you think its a shame.

Perhaps you should look up the meaning of the word.

Name and shame the OP more like it. For all we know, the supplier could be up the creek at the moment, attempting to get payment to save his company and the jobs connected - and you think he is doing wrong?

You obviously havent a clue what you are talking about !

kittenkiller

foggy_lad wrote: »

name and shame the companies using services like this!

What do you think the company that is owed money should do to get it back?

How far would you go if someone owed you money and you were in financial difficulty with wages to pay and a business to keep running?

Time to cop on Foggy_Lad!

Cabaal

foggy_lad wrote: »

name and shame the companies using services like this!

ah how about no (are you even replying to the right thread?)

The company is doing nothing wrong, if they are owed money they are entitled to go after it.

If you owed me money I';d go after you or get debt collectors after you and I honestly believe 99.9% of people would do the exact same as they live in reality.

You however do not always appear to live in reality in respect of these type of issues imho,

Just because your personal view is debt collectors are wrong and (it would also appear from your previous posts) all company's are evil and are how to screw the average joe doesn't mean thats how the world works.

Cabaal

superscouse wrote: »

Name and shame the OP more like it. For all we know, the supplier could be up the creek at the moment, attempting to get payment to save his company and the jobs connected - and you think he is doing wrong?

Agreed, in addition for all we know the OP could owe money to other companys as well....either way the OP owes the money for services and/or products given which he hasn't paid for.

jor el

Bottom line, you absolutely need to contact the debt collectors, and/or the creditor company, and outline a payment plan, one that you can afford. It will then be up to them to accept or reject your offer.

As for the auto-dialer, I don't believe it amounts to cold-calling unless they're trying to solicit you to buy products/services. Since they are going after a debt that is owed, it is not a cold call.

Cabaal

jor el wrote: »

As for the auto-dialer, I don't believe it amounts to cold-calling unless they're trying to solicit you to buy products/services. Since they are going after a debt that is owed, it is not a cold call.

Agreed, in fairness you know they owe you money and you know they are calling you so you expect the call....also your details were properly passed to the debt collection company

partyatmygaff

You've got nothing against them, they have the right to inform you as much as they want to get you to pay your debt.

They personally cant do anything about it but if they get the district court involved thats the only time your property could be seized

PocketMoney

After coming across this thread on a Google search we deemed it appropriate to offer some clarity in the matter in the face of some points raised herein. Obviously we cannot discuss the specifics of any debtor's situation; however, we will endeavour to clear up certain issues this thread has raised.

First of all, our pursuance methods are fully compliant with the law. Our reminder calls play a client specific script and we are solicited to contact debtors on our clients' behalf. We therefore are not cold calling, and given the client specificity of each case’s message, we do not use an auto-dialler.

Further, our reminder calls are not designed to be annoying, but to remind debtors to pay a debt that has been outstanding for a considerable amount of time. Unless they listen to the message in full, the system is simply designed to keep calling until they do. Debtors must register their choice to either pay or dispute the debt (by pressing the relevant number on their telephone keypad when prompted) in order for the call to be completed. If they've been receiving calls for a number of days, or have found the volume increasing, this simply means that they are still to make any effort to own up to their liabilities, i.e., take any action in paying, disputing or negotiating the debt in question.

Since it is yet to be highlighted on this thread, we may now point out at this stage that all of the debtors we pursue are sent a registered letter in the post at least ten days before the reminder calls commence, as clearly outlined in this section of the Pocket Money Debt Collection website. We track this letter as being signed and received prior to calling. This letter explains that the debtor owes the debt, provides a copy of the invoice and gives clear instructions as to how to pay or dispute the debt. If the debtor feels they are not liable to pay the debt, they are requested to place these concerns in writing to our registered office for our legal team to review. Further, we forewarn the debtor that we use automated telephone reminders, which may interrupt their business, and that it is in their best interest to pay or dispute the outstanding debt as soon as possible.

We have no interest in interrupting any business or its employees during a work day, our objectives are simply to help businesses reclaim what is rightfully theirs. You don’t walk out of a shop without paying for groceries, why should a service transaction between two businesses be treated any differently? The sad truth is, especially in Ireland, companies are regularly facing difficulties arising from debtors not paying their debts. As a representative of ISME said recently in the Irish Times, a lot of businesses treat debts like an interest free loan, to be repaid whenever they feel. As a consequence, small businesses are losing money and people are being made redundant as a result of greedy people trying to skip on debts, hoping their creditors will simply give up the chase and go away.

We at Pocket Money Debt Collection pride ourselves on being able to help businesses who are having difficulties receiving payment for products or services provided as requested. We offer unique, effective solutions and have helped many Irish businesses continue to trade by reclaiming income they were in the process of writing off. As our slogan says – there’s no doubt about debt!

I will keep an eye on this thread in the coming days and weeks and will gladly clear up any further issues or queries that people on this board might have regarding our company. I also welcome anyone to email us on info@pocketmoney.ie, or to check out the Pocket Money Debt Collection website for further information.

Regards,
Michael Aaron
Pocket Money Debt Collection

Cabaal

Michael Aaron thanks for the very informative post, I'd certainly have to agree you wouldn't walk out of a shop without paying so why should a business to business transaction be any different.

Debt Collection companys merely exist to force people to take responsibility for their actions and life from an financial point of view, unfortunately some people seem to prefer that such things would just go away