Debt collector said they accept my negociation but after i have bills for the remaining :(?

Question

i owe 500.46 and they told me if i payed 400.50 the debt will be closed and I payed it and received confirmation number and letter but two months later carphone warehouse said they received 400.50 but there is a balance outstanding of £99.96 because out of the 500.46 i owe they've olny received 400.50, when i called they said they will collect all their money and she adviced me to quickly pay the remaining to the debt collector because they'll start bumping that 99.96 till I pay 500.46 again because they are no mercy people, should i pay it or not because i have confirmation letter that 400.50 is full and final settlement, please i want as much answers,thanks

Answer 1

You were had.

Never believe what a debt collector tells you. They will lie and say anything to get you to pay.

You need to know your legal rights on how to deal with these people.

I don't have a UK law site to refer you, but if you were in the US, I have provided links on prev posts.

Answer 2

Junk debt collectors are the scum of the earth. They tricked you into paying that amount and lied saying they would accept a reduced payment. You should definitely pay the remaining balance or they will start adding high interest. Next time you are presented with an offer you should get it in writing BEFORE you pay. These people are bottom feeders and the government needs to step up and put these kinds of people out of business.