If they used this man to deliver the letter than that would be over the top.
http://www.carlow-nationalist.ie/news/story/?trs=mhojeyqlgb&cat=news
Hi.
Thanks for both replies. My daughter didn't contact them since before Xmas (totally wrong).However, I'm really just concerned how they just didnt issue a warning regarding putting it into the hands of their legal people. I can't understand how this person who wrote it can put themselves up to issue threats like this.I'm amazed. She has been a member for the last 3 years with solid repayments through out.
Thanks Again
Many thanks to all your replies. I have advised what needs to be done and the CU concerned has been contacted. However, I have strongly suggested that the brance manager be made aware of the
ridiculous wording of said letter.
Thanks Again All.
Doc48
We all get the point that the OPs daughter should have contacted the credit union. But the question was did we think the wording of the letter is suitable, and no it is not suitable. Asking someone if they would like some time in jail !!! The person who wrote the letter seems to have little, if any experience in writing letters of this kind. I myself worked in credit control and our letters sent to customers oweing the company were pretty standard, ie , one type of letter reminding them they owed the money, this would then be followed up with a phone call if no payment was received within 28 days, then a final letter stating that if the money due was not paid in 7 days , that the account would then be handed to a legal debt team. The op is not shocked at her daughter receiving a letter about the money, the shock comes from the way the letter was worded.So your daughter hasn't paid her loan since before xmas, it is now the end of January and she hasn't even bothered to get in touch with the Credit Union to explain to them why she stopped paying/when she intends to start paying again?. And you are "amazed" that she received a letter from them about it and the implications of it!.
Sorry I don't mean to be smart but what on earth does she expect?. I'm sure if your daughter contacts the Credit Union and explains everything to them they will be more than accomodating but as you said yourself, ignoring it does not help and unfortunately will lead to "threatening" letters like the one she received.
And by the way, someone mentioned Credit Unions being a soft touch. That couldn't be further from the reality - they would have you sent to prison quicker than any of the Banks!. Several Credit Unions had people jailed last year for not honouring their debts. Banks will often obtain Committal Orders as a last resort but will rarely, if ever, enforce them - Credit Unions will enforce them in many cases (as a last resort)
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?
We use cookies and similar technologies for the following purposes:
Do you accept cookies and these technologies?