Some good advice about alleged 'debt'

For those unaware of how debt works here's a quick summary.

1) You 'contract' with a company or you don't if its a Government body. Either way you are expected to pay.You can dispute this at any time by asking for the contractual agreement signed by you to prove liability. It's likely they will just ignore the request and push you straight to a third party debt collection agency.

2) A liability order is considered to be genuine if it contains the 'original amount of the debt' without charges and also has absolutely no branding of the debt collection agency. If it has extra charges then consider it to be fake and if its on their own headed paper also consider it to be fake.

3) Most companies have the ability to write off outstanding debt and they do this by selling it off to a third party enforcement company. From that point the debt is no longer owed by you in lawful terms and now it is up to the third party to recover the debt.

Now some people slip up here as they do not understand that these accumulated debts are sold off to the third party at a fraction of the price so a £5000 debt may be sold for less than 1/5th of the amount however they are still expecting £5000+ from you. This is one of the reasons the process of adding fees and their individual amounts is nothing more than extortion.

4) These third party debt collectors have very little power in terms of the law and so in order to retrieve the debt they have to 'strong arm' and you see this with various letters increasing in forceful language. They certainly cannot enlist the assistance of the Publicly Funded Law Enforcement to force entry or payment from you. In order to even reach this stage they would need to apply for a liability order which under normal circumstances would be rejected as these are Civil Matters yet they are applied for in Criminal Circumstances.

5) If they try to bullshit you with a liability order and the Police to assist then inform the Police they are only to be used for Civil matters and not as 'muscle for hire' for Private Companies. Then inform the debt collector you wish to see the original Liability order and not one just stamped and not signed. They won't have it because no judge would sign their name to what is not regarded as a criminal offence.

So simply put third party debt collectors are very much like traders. They buy low and try to recoup the full amount with the additional fees as a 'bonus' but once they buy the debt they are the ones liable and not you!:

Negotiation in this situation can be a great tactic because you could bring down the existing debt, if you owe one, substantially however in order to do that you are accepting liability so remember that when making your move