What happens when the debt collector gets it wrong?
Q re incorrect information.
Been ignoring the hassle attempts from an organisation that I had to deal with 20 years ago as a result of some bad information they had, after a lot of hassles, and way too much work by me, they had to admit they had no entitlement to collect anything from me or my daughter.
As a result, I decided then that I would never again engage with such incompetent bottom sucking scum, especially this particular debt collection company.
Anyway, they have excelled themselves again. Way too many phone calls, sometimes at illegal times, Indian call centres, the whole 9 yards, and despite them being told that I am earning less than €150 per week, and my wife is on social welfare, they have persisited, and I have done my best to blank them on the basis that their attitude, manner and methods have verged on immoral. Things like refusing to give their company name when they ring, and when you ring them back they still refuse to give their name, there's all manner of things.
Anyway, they have reached the court judgement seeking stage, and guess what, they've proved they are completely incompetent now. The registered letter arrived this morning at our correct address, and it was only after it was signed for that we discovered that they've got my Surname COMPLETELY wrong. Not mis spelled, or anything like that, completely and utterly the wrong name.
So, if I follow the guidelines here, and let them get an uncontested judgement, what then happens if they seek to get it attached to our property deeds? Will the land registry reject the judgement, and does that then involve them in a load of work to get the original judgement set aside and corrected, or where does it go?
At the end of the line, yes, I owe the creditor just over 22K for this debt, there are others that push the final total to over 50K, as a result of trying to keep things going for too long we have zero savings, our only asset is our unmortgaged primary residence, and right now, we're stuggling to even pay utilities and the like, let alone debts of this magnitude, and there's no sign of anything getting even a little better for a long time to come, and at the age of 60, I'm not sure that I'm prepared to get even more stressed than I already am by the situation by engaging in any way with a debt collector and solicitor that is so incompetent.
Anyone got any thoughts or comments on the implications of the error by the relevant debt collectors etc? My humour at the moment is to do nothing, in that even if they eventually get their judgement against our property, it's going to be probably 10 years before we can even consider selling with the present lack of a property market, and by that time, who knows what will or will not be happening, and the harsh reality is that if I get too stressed by trying to deal with these morons, they may well end up being paid out of the insurance pay out from my death policy!!!
Thanks
Steve