Posted by
Jblack
11 yrs ago
Dear All,
I got my self into debt 1 year ago through credit cards. this happended while I was away from hongkong.
Anyway while I was away I started paying my debt and I successfully paied about 75% of the debt that I have with the bank, however. upon my return I got a call in my work place from someone who claims to be my debt collector, and they demanded me to pay MyOriginal debt + service collection fee which is 30% .
My problem is the following :
1- Debt collector is request me to pay more that I should. "like 9 k more" , and even when Adding the 30% collection service numbers don't add up.
2- I didn;'t get any notification from the bank, through mail or netbanking system that my debt has been handed over to a debt collector.
-I read about Validation of debt letter, and I wanted to ask does it work in hong kong, and how can I request something like this from my debt collector .
-Also if there is any one whith experience with debt collectors it would be great to share any advice that you have for me.
Thanks.
Please support our advertisers:
Why don't you ask the debt collector who the debt is from and verify it with the bank/creditor?
Please support our advertisers:
Hi Bawble,
I did that and as I said numbers don't add up. I asked him he stated for example 30K while bank debt is around 15kl. and I confirmed the account number too.
So I want to know how can I force them to legally provide me with an official letter in which they explain all the numbers in details ?
Thanks for youre replay man, greatly appreciate it.
Please support our advertisers:
why dont you ask the bank to give you a statement? then you can see whether they have delegated it to a debt collector
Please support our advertisers:
I have actually called the bank , as per the bank they did have delegated the debt to a debt collector, and I do have a statment to show how much I have in debt with the bank.
The problem is simply that DC request amount of money which I have no Idea how did they calculated it, and they insist that this is the amount that I need to pay, not only this but they are actually demanding me to go to another bank take a load and give the money to them .
So I just need to know how can I force them to show me what are the numbers, and how can I dispute the request amount by the DC.
Also I am just curiouse how far can they go? if any one has experience please share.
Thanks Cookie for youre reply/
Please support our advertisers:
i would pay according to the bank statement and write to the debt collector clearly what amount and why you pay.
i would also state that if they claim anything beyond the official bank statement, you require written proof with a detail breakdown. else you will stop paying.
if they sue you, they will have to prove the breakdown in court
Please support our advertisers:
Thank you very much for your reply, yes actually this is what I was looking for.
As for the DC they just called me actually, and when I request them to send me a letter stamped by their agency in which they explain every thing for the amount requested, they answered and I quote "This is something that we can't arrange right now. however, we need you to start arranging for taking a loan to pay your debt asap, otherwise we might escalate", when I asked them what do you mean by escalate? they kinda mentioned that they might send people to my work place asking about me AKA causing me trouble in my work place.
So I am not really sure what can I do to restrain them from doing this, also can I actually send them this request and kinda have a proove that I sent them the request so that I can use it later in case of that they started chasing me ? I am kinda lost here.
Again replies are greatly appreciated.
Please support our advertisers:
Thank you very much Malka, I will send them letter today requesting breakdown and prove that they are being assigned by the bank.
I have found a service called Registered mail with advice of delivery by HK post , which I will be using to send mail and have a proove that I have actually sent them an email requesting details.
As for their phone calls, I will start recording every single call that I get from them for future refrences.
I will keep updating this thread just if any one had the same problem, and again thank you guys for your answers greatly appreciate it. I hope it will all end well.
Please support our advertisers:
update: I have received about 3 calls till now from them, last one they insisted that I have to get a loan to pay the debt , I laughed and told them this is not gonna happen , and they have hanged up in my face.
I assume they will start sending people to my work place now.
Please support our advertisers:
You must be logged in to be able to reply.
Login now
Copy Link
Facebook
Gmail
Mail