How to recover bad debts in Germany ? (Someone owe me money) Pl email me at vicskyeo@yahoo.com.sg. Thanks?
351360
Below is a quote from a company called 1st Locate. The link to their website and their ph number is posted also. If they cant help you, chances are they will be able to tell you who can. I have worked with them in the past and they are worth the small fee. Good luck! \n\n"1st Locate  are one of the largest people locator's or trace collect debt recovery agencies in the U.K. and Europe.   UK TEL: 0113-297 7500"
839375
What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump
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There is one an only way to get your money or part of it back. In a very innocent way ask him to sell to you something valuable he owns, like a laptop or TV set. Tell him that you need this item and that you would pay him in a few days, (it is incredible but this kind of people almost always believe that) and do not pay him until he pays you.  I had done it many, times and believe me, it works.
319200
COntact your creditors & ask for a repayment plan to be set up, draw up a budget & work out your incoming & outgoings pay your rent/mortgage in other words ESSENTIAL bills first, food, gas/elect etc. divide whats left & pay to your creditors. If you dont have it you cant give it to them so most will agree to a repayment plan & hopefully stop or lower interest charges.\nConsult a consumer credit advice council or citizens advice group\nDONT PAY ANYBODY more money to fix!?!?! your DEBT\nDONT TAKE another loan\nCUT UP & return store cards & Credit cards.\nOPen a new bank account & pay all your money into that Ignore your old bank account let it just sit there especially if you owe that bank money & when you work out a budget take the money left & divide it amongest your creditors BUIT ALWAYS KEEP YOUR CREDITORS INFORMED as to how you are resolving the problem
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Try Consumer Credit Counselling Service (0800 1381111), National Debtline (0808 8084000) or Citizens Advice (www.adviceguide.org for advice or to find local bureau). They all give free advice and can negotiate on your behalf with creditors.\n\n"Debt management companies" are profit-making organisations who WILL charge you, so avoid them.
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Reclaiming Unlawful Bank/Credit Card Charges\n\n\nDid you know that when banks and credit card companies charge you for going over your overdraft limit, those charges are unlawful?\n\nNope, most people don’t. However, there are a few people who are waking up to this and have won back their charges, either directly from the banks or through the courts.\n\nHow to reclaim your charges. (Please note, you can just change the wording of the letters for your credit card or store card) \n\n1.  Before sending the sample letter, you need to know the amount you are claiming. You can back-date your claim for up to six years. If you need to get copies of your bank statements, use sample letter two.\n\nUnder the Data Protection Act - the bank has only 40 days to provide your statements. Do not worry about the extra wait - you can legally claim 8% APR on each charge for the full period, so the longer it takes them, the more money you will have back. If they still refuse, or do not furnish you with this information within 40 days, report them to the information commissioner - www.informationcommissioner.gov.uk - for a breach of the DPA. \n\n2. Now you have your statements, add up all your charges and then send them sample letter one with your own details. \n\n3. You should now receive a reply from your bank; it will be along the lines of: \n\na) Sorry you're not happy; however our charges are listed in the terms and conditions, if you are not happy you can now go to the Ombudsman.\n\nb) We looking in to this, however please note under the bank code we have 8 weeks in which to reply. (Do not accept this - you have given them 7 days) \n\nc) You will be offered a partial or full refund. You can choose to accept a partial refund, but the money is yours so it may be better to hold out for a full refund.\n\nd) They will deny the claim that the charges are unlawful (about 50% do this) \n\n4. If they do not offer you a full refund, send them a follow-up letter reiterating your original claims and giving them 7 days to pay\n\n\n\n\n5. Most banks will have paid up by this stage. If your bank doesn’t, now is the time to take them to court. It is a simple procedure, don’t let it intimidate you. To enter a claim go to www.moneyclaim.gov.uk and fill in the claim form. \n\nYou will have to pay the fees upfront with a credit or debit card.  If you are receiving benefits of any kind, you may be exempt from the fees.  However, you will have to use the paper N1 claim form and submit it to your nearest county court; you can get these on-line or from your nearest county court. \n\n\n6. The bank will now do one of four things.\n \na) Ignore the claim completely - in which case after 14 days you will need to ask the court for judgment in default. This means you win. \n\nb) Offer to pay the claim in full, including interest and court fees \n\nc) Acknowledge the claim – they then get a further 14 days to enter a defence. Some banks will acknowledge the claim and then pay up.\n\nd) Acknowledge the claim, and then on the 26-28th day, enter a defence \n\nIf the bank defends, the next thing that will happen is that you will receive a Court Allocation Questionnaire you must fill this in within 7 days of receiving it, and pay the additional fee. \n\n7. The court will now set a date (if the bank has not already given your money back by this point - and most will have done) \n\nAs far as we can tell from our research, most banks have settled before the court date, and those that have not, have lost the case.\n\nSample letters are on the next pages.\n\n\n\nImportant Updated information\n\nSome banks are now closing down the accounts of those who chose to challenge them. They are entitled to do this and you should consider this possible outcome before taking any action.\n\nThe Office of Fair Trading has ruled that it will view any charges over £12 as automatically ‘unfair’. However, the banks have a yet to respond to this before any action will be taken. This
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I am sorry to hear of what happened. This should be a lesson for you in terms of the dangers of online selling. I sure hope that now you don't think anymore that the man contacted you "IN GOOD FAITH" because as you are now aware, his intention is to simply empty your bank account.\n\nI don't think there is any organization in the world that can help you get your money back, especially since you are in the Philippines and this is Nigerian. If you think the person gave you correct name and contact info, you may want to file a complaint with the Nigerian embassy in the Philippines. It may not likely result to you getting back your money, but sometimes the process of doing something can make you feel better.\n\nI also have a website, and we CANCEL all orders coming from Nigeria and other well known hot beds of ecommerce scams (sorry to Nigerians here, but Nigerian scams are giving a bad bad reputation to Nigeria) -- no matter how well meaning the transaction appear to be. \n\nAnd DON'T EVER EVER GIVE YOUR BANK ACCOUNT NUMBER AGAIN. Don't deviate from your well established procedures like accepting only payments from Paypal.\n\nRead the article "How to Protect Your Business from Online Fraud" http://www.powerhomebiz.com/vol34/fraud.htm
668687
it should be cleared, as well as all attempts to collect it after 7 years of default. you will have to do the leg work as creditors won't do it on their own, so push them and keep pushing them to remove it.
1038472
yes ask for it back! it is yours! People should pay off what they owe and should stand by there word!
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Hi ,\n\nI'm Manz ( Brunei )Scrap Metal agent , recently I already send the LOI to Azriman almost 2 week , we hope Seller side could finalise the case ASAP !\n\nThanks !\n\nFrom : Chia
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I don't think anyone has a problem with ALL Nigerian people.I'm sure they're just like everyone else.Now the 419ers are a different story.Nigeria is the birthplace of the sleaziest Internet scamming there is.The Nigerian government has assigned the number 419 to the offense for advance fee scams.\n \nSir/Madam,\n \nHowever strange or surprising this contact might seem to you as we have not met personally or had any dealings with you in the past. I must apologize for intruding into your private email address, but I humbly ask that you take due consideration of its importance and immense benefit it will be to you.\n \nI am a legal consultant/broker based in South Africa. I am currently representing some members of the Independent Committee of Eminent Persons (ICEP), Switzerland. (ICEP) is charged with the responsibility of finding bank accounts in Switzerland belonging to non-Swiss indigenes, which have remained dormant since World War II. For more information check: www.dormantaccounts.ch\n \nA dormant account with the sum of Forty Five Million United States Dollars ($45M) as discovered by clients/close associates who are members of (ICEP). The money included accumulated interest. They needed my assistance since the transfer can be made easily with my supervision as an experienced broker. My clients at (ICEP) have confided in me to look for a foreign partner that will help in putting the funds into the banking system and also assist in investing the funds into profitable business ventures for mutual benefits.\n \nSince my clients at the (ICEP), Switzerland have mandated me to look for a foreign partner and that is my aim for contacting you. Please do not despair because I got your email address from a business advertising website on the Internet before making my contact with you. I do not intend to fail my client because I have been a very close associate and legal consultant to them for the past 20 years.\n \nBear in mind that we also have well-established contacts at the Claims Resolution Tribunal (CRT) responsible for handling processing of all claims on accounts due to non-Swiss citizens. Whereas, uncomplicated claims will be processed under a "fast track" procedure, which is the procedure, our claims will be put on.\n \nI have also made contacts with the Trust Company responsible for Dormant Account Recovery (DAR) in the United Kingdom and also concluded final arrangements with them to take over the funds by a new beneficiary legally. As an experienced broker and working with top executive members of (ICEP) who are also my close associates, I have all secret details and necessary contacts for claim of the funds without any hitch.\n \nWe are willing to offer you as much as 20% of the entire funds and after the transaction has been completed. There is no risk involved in this transaction and all the process of the administrative claims will be legally achieved to transfer the funds in your name as the new beneficiary.\n \nIn conclusion, if you are willing and ready to assist us claim the dormant account smoothly, please indicate in your return reply mail to cjoseblankza@yahoo.co.uk or fax number +27-11-5076847 and I will furnish you with more details on how the transaction will be completed including my contact telephone number so that you can call me for questions and clarifications where necessary. We also look forward to doing more deals with you.\n\nWarm regards,\n \nJoseph C. Blank\n \nHere's another\nDear Joseph,\n\nI received your first and second email with hope that you will call me \nto \ndiscuss further on this matter?\n\nWell, I did tried to speak with you the last time I called but \nunfortunately \nyour phone was on a voicemail.\n\nAnyway, if you are interested to work with me in this transaction, you \nare \nadvised to call me on my private telephone number 011-234-802-606-9171 \nfor \nan oral telephone conversation.\n\nThanks in advance.\n\nYours truly,\n\nBarr. Smith.\n\n\n>From:
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contact the creditor. If it is a large firm ask for the collections department. Attempt to negotiate a settlement that includes elimination of the negatively reported information. Start by saying "can you help me with this". Explain the original problem and staate that you want to make it good. Sometimes they will be sympathetic. At a minimum, if you pay they have to report it as originally charged off but paid.
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Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.
363830
Try contacting the German embassy closest to you (you can locate it via  search online) and they should be able to help you.
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log in from an international server. the servers are stuffing up... again\n\ntry logging in from yahoo.de or something like that. then accessing your email\n\nlook for an envelope if you cant read german.
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FROM BILLS AND DEBTS !?!!!!!!\nYES!!!!!
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Consult with a lawyer or, if you can't afford one, a public defense attorney.\n\n---\n\nGiven the additional information, if you are in Europe, I'd contact the US Embassy as your first step on advice on finding legal counsel.  You are not the first person in this predicament.  Look for pages called "Judicial Assistance"\n\nhttp://usembassy.state.gov/#EUR\n\nI also found the US State Department Web page by browsing the US Consolate Pages for Germany on Judicial Assistance:\n\nhttp://travel.state.gov/law/info/judicial/judicial_702.html\n\nGood luck.