Fair point...
...but 'contact' includes telephone calls made by the creditor even if they aren't answered because the debtor is ignoring them.

They'll have a log of all calls made and they are admissable in court so you'd be taking your chances with a judge if you think this'll work.

My other half tells me people try this ploy on her all the time and it hasn't worked in the 12 years she's been in the game.

The best thing you can do if you're getting calls from debt collectors is to speak to them and see if you can come to an arrangement. If you've the large chaps on your doorstep you'll be increasing the debt because you're their wages too and they're only too happy to drag it out, because the longer it takes the more they earn.
(Audax Victor, Sun 6 Sep 2009, 19:41, 1 reply)

well,
legally your other half is wrong.

Contact MUST be made, non-answered calls DO NOT count as contact because with an unanswered call there is no way to verify that you have the right person.
(SarcasticBarSteward wants to be good at Photoshop when he grows up, Sun 6 Sep 2009, 20:29, closed)

No worries
Your solicitor will be at liberty to argue the case when the creditor's solicitor hands over a copy of the logs (and letters and visits complete with descriptions of your front door, the nice old dear they had a cup of tea with proving they `made contact') for their `ease of reference'.

Then, along with the bill you've been avoiding you can pay the creditor's `admin charges', the costs of the collection agency (about £25 for every missed/late payment, £80 per visit for the large chaps), the costs of both your and the creditor's solicitor in bringing the matter to court (they'll be charging around £175 an hour each) and the initial court fee (only £150 for balances under £500 but on a nice sliding scale). Plus late payment charges and interest charges averaging an extra £40 per month.

Oh and you've fucked you're credit record and you won't be lent money at least six years.

Still...worth a punt if you fancy your chances.

The moral of this story kids? If you're going to try to screw the banks out of money you owe them, make sure it's for a shitload because you'll not be able to do it again for a very long time.
(Audax Victor, Mon 7 Sep 2009, 8:58, closed)

aaah,
but you see, NONE of those things will happen, for one very good reason:

I don't have any debt
(SarcasticBarSteward wants to be good at Photoshop when he grows up, Mon 7 Sep 2009, 9:34, closed)