Wrong address

Hunter333 · 17-10-2014 9:45pm #1

I have received letters from debt collector in relation to Vodafone. The address on the letters is right apart from last line. Example if i live in Co. Donegal the letters keep saying Co. Galway. I keep sending them back saying wrong address. I haven't opened any of them and I don't know if a judgement has been given or not. I haven't got one in a while now. Does anyone know what will happen next?

punisher5112 · 17-10-2014 9:49pm

Well do you owe money or is it a genuine mistake or for a previous tenant/owner.

Very little info in post.

DM addict · 17-10-2014 9:54pm

Hunter333 wrote: »

I have received letters from debt collector in relation to Vodafone. The address on the letters is right apart from last line. Example if i live in Co. Donegal the letters keep saying Co. Galway. I keep sending them back saying wrong address. I haven't opened any of them and I don't know if a judgement has been given or not. I haven't got one in a while now. Does anyone know what will happen next?

Have you got an unpaid contract with Vodafone? Is there a reason for Vodafone coming after you for money?

How likely is it that there's someone in Galway with your same name and (mostly) same address? (As in, are you John Murphy, Main Street, or something similar?)

Hunter333 · 17-10-2014 10:14pm

I do owe money. I made contact with Vodafone give me the debt collector number and deal with them. This is before any letters came. I made a offer and I was told they would get back to me which never happened. I then started getting letters. It's just the county that's wrong but I was told by few people dat i had told about address that address is wrong and send it back saying wrong address.

Losty Dublin · 17-10-2014 10:20pm

Hunter333 wrote: »

I do owe money. I made contact with Vodafone give me the debt collector number and deal with them. This is before any letters came. I made a offer and I was told they would get back to me which never happened. I then started getting letters. It's just the county that's wrong but I was told by few people dat i had told about address that address is wrong and send it back saying wrong address.

If the address is that utterly wrong then the mail wouldn't arrive to you, should it?

DM addict · 17-10-2014 10:24pm

Hunter333 wrote: »

I do owe money. I made contact with Vodafone give me the debt collector number and deal with them. This is before any letters came. I made a offer and I was told they would get back to me which never happened. I then started getting letters. It's just the county that's wrong but I was told by few people dat i had told about address that address is wrong and send it back saying wrong address.

Address can't be that wrong if they keep getting delivered.

To be honest, if you owe them money and you're getting letters about it delivered to your house, the fact that your address is slightly wrong (but not wrong enough that they don't get delivered) isn't really going to hold any water.

Hunter333 wrote: »

I made a offer and I was told they would get back to me which never happened.

Possibly these letters ARE them getting back to you? After all, you've never opened them.

Hunter333 · 17-10-2014 10:26pm

Well it's still wrong. People who receive penalty points with a letter left out of address or a spelling mistake seem to get away with it.

Pat Mustard · 17-10-2014 10:30pm

Hunter333 wrote: »

Does anyone know what will happen next?

If the debt collector is not getting results, the creditor's options are to hand it over to solicitors to issue proceedings or simply to forget about it.

Many solicitors have little interest in carrying out the volume of work that may be involved in collecting a sum of less than €1,000, because it doesn't tend to pay enough in relation to the time and effort that tends to be involved.

Hunter333 · 17-10-2014 10:40pm

Will it effect my credit?

moc moc a moc · 17-10-2014 10:46pm

Hunter333 wrote: »

I do owe money.

Then grow up and pay your bill. Are you going to try to run away from your responsibilities for the rest of your life?

FreudianSlippers · 17-10-2014 10:48pm

The Mustard wrote: »

If the debt collector is not getting results, the creditor's options are to hand it over to solicitors to issue proceedings or simply to forget about it.

Many solicitors have little interest in carrying out the volume of work that may be involved in collecting a sum of less than €1,000, because it doesn't tend to pay enough in relation to the time and effort that tends to be involved.

I think some of these guys are employing solicitors to work in house now though.

goz83 · 17-10-2014 10:55pm

So, what you're really asking is, "can I get away with not paying this bill?".

Answer: yes, most likely.

Then ask yourself what kind of person runs away from a phone bill they ran up. I know a guy just like that. He is in his mid thirties and lives with his mum. He owes money to every irish network and can't get a bill phone for the foreseeable future.

Pat Mustard · 17-10-2014 11:02pm

FreudianSlippers wrote: »

I think some of these guys are employing solicitors to work in house now though.

Didn't know that, although credit unions do it. Makes sense, I suppose.

Even for an in-house solicitor whose job is to chase lots of debts, it can be a waste of time and effort to pursue difficult or impecunious debtors for small amounts. Also committal summonses have to be served personally, which is another layer of cost, which can be significant in relation to a debtor who is actively attempting to evade service. Sometimes, Gardai can be slow to enforce bench warrants that issue when debtors fail to turn up.

If this type of debt collection work is costed properly, it is often more expensive to collect the smaller amounts, than to write them off.

Hunter333 · 17-10-2014 11:09pm

Well I'm married have my own house own car. I owe money to nobody but the mortgage. I'm just wondering what would happen dats al. If anyone could get away with it they would. If it comes down to it I will pay it.

Hunter333 · 17-10-2014 11:12pm

If you could get away with it would you?

Deskjockey · 17-10-2014 11:17pm

How much are we talking about roughly, out of interest

Hunter333 · 17-10-2014 11:22pm

Around €900

goz83 · 17-10-2014 11:43pm

No Hunter333. If I sign up for a contract, I am agreeing to pay for the service and so I pay for it. I know I could get away with a few service bills if I ignored them, but I am an honest person and pay my way. If the bill was in dispute, that would be different, but as you have not mentioned anything of the likes of this, I would assume the bill is correct and in order, save for the county it is addressed to. €900 is certainly a chunk to pay, but it's your bill and you shoukd pay it. Whether you choose to, or not, is up to you. For €900, they will more than likely come after you.

Deskjockey · 17-10-2014 11:45pm

That's a fair chunk of change. Personally I would just pay it if I owed it, the stress that a few hundred quid like that would bring on wouldn't make skipping out on it worthwhile. I would hate to have a judgement registered against me.

People are all different though, what would have one person up all night might not effect someone else half as much.

Pat Mustard · 17-10-2014 11:48pm

Hunter333 wrote: »

If you could get away with it would you?

Hunter333, first you asked about what would happen next in the debt collection process. That's okay.

Now you are asking if people would try to get away with it, if it was possible to do so. That has no relevance to Legal Discussion, but I imagine that it's going to annoy other posters.

Please try to stay on topic.

DM addict · 18-10-2014 12:56am

Hunter333 wrote: »

Around €900

That's enough that there's a serious risk they'll go after you for it. Also, you do actually owe them the money. Pay it.

Also no, I wouldn't get away with it if I could. If I've used a service with no disputes/problems, then I pay for it.

salamanca22 · 18-10-2014 1:26am

For €900 they will more than likely issue proceedings against you. This will bring up all sorts of problems for you, least of all the tacked on legal costs.

Hunter333 wrote: »

Well I'm married have my own house own car. I owe money to nobody but the mortgage. I'm just wondering what would happen dats al. If anyone could get away with it they would. If it comes down to it I will pay it.

Well by your own admission you do owe the money to someone

Pay your bills op.

Fred Swanson · 18-10-2014 2:01am

This post has been deleted.

Irish Musician · 18-10-2014 2:06am

You owe it? Seriously? Why would you not pay it? If I can get away with I will bla bla bla. Post your name and address so everyone who might do business with you can stay clear.

Pat Mustard · 18-10-2014 3:23am

Mod:

Legal Discussion concerning the debt is welcome.

Moral outrage directed at the OP or otherwise is not relevant to Legal Discussion, not useful and not welcome.

rock22 · 18-10-2014 7:47am

Hunter333 wrote: »

I have received letters from debt collector in relation to Vodafone. The address on the letters is right apart from last line. Example if i live in Co. Donegal the letters keep saying Co. Galway. I keep sending them back saying wrong address. I haven't opened any of them and I don't know if a judgement has been given or not. I haven't got one in a while now. Does anyone know what will happen next?

Just to get back to the address issue.
Many towns straddle county , eg Athlone, Carlow. I assume that the House, street/road and Town are all correct on the letters.
Putting the wrong county on the address would not invalidate the debt. Vodafone, or their agents, tried to contact you. You received the correspondence but decided not to engage with it. Hardly a defense.

Little CuChulainn · 18-10-2014 8:00am

rock22 wrote: »

Just to get back to the address issue.
Many towns straddle county , eg Athlone, Carlow. I assume that the House, street/road and Town are all correct on the letters.
Putting the wrong county on the address would not invalidate the debt. Vodafone, or their agents, tried to contact you. You received the correspondence but decided not to engage with it. Hardly a defense.

This was my thinking. If it was the difference between Kerry and Galway there might be an issue but if we're talking about a place that simply straddles a border, which I assume we are as the letters reach you, then hiding under the blankets won't make it go away.

the world wonders · 18-10-2014 8:27am

Hunter333 wrote: »

Well it's still wrong. People who receive penalty points with a letter left out of address or a spelling mistake seem to get away with it.

No they don't. The district court has the power to amend the summons on the spot to fix minor mistakes and typos (as long as they do not prejudice the defence).

Pat Mustard · 18-10-2014 9:53am

rock22 wrote: »

Just to get back to the address issue.
Many towns straddle county , eg Athlone, Carlow. I assume that the House, street/road and Town are all correct on the letters.
Putting the wrong county on the address would not invalidate the debt. Vodafone, or their agents, tried to contact you. You received the correspondence but decided not to engage with it. Hardly a defense.

This is correct.

However, it is noteworthy that if proceedings are brought within the wrong court district, then the court will have no jurisdiction to deal with the matter. On this basis, a defendant could ask for the proceedings to be dismissed, and could seek costs.

However, of itself, this would not preclude a potential plaintiff from bringing fresh proceedings in the correct jurisdiction afterwards.

If enough time elapses before the issue of correct proceedings, a defendant might have scope to raise the Statute of Limitations as a defence.

rock22 · 18-10-2014 4:35pm

The Mustard wrote: »

This is correct.

However, it is noteworthy that if proceedings are brought within the wrong court district, then the court will have no jurisdiction to deal with the matter. On this basis, a defendant could ask for the proceedings to be dismissed, and could seek costs.

However, of itself, this would not preclude a potential plaintiff from bringing fresh proceedings in the correct jurisdiction afterwards.

If enough time elapses before the issue of correct proceedings, a defendant might have scope to raise the Statute of Limitations as a defence.

The plaintiff, Vodafone, can bring the case to court based on where the contract was agreed.

From the Court services website
If the plaintiff chooses,
- in proceedings based on contract, where the contract was made

Fred Swanson · 18-10-2014 4:40pm

This post has been deleted.

Pat Mustard · 18-10-2014 5:51pm

rock22 wrote: »

The plaintiff, Vodafone, can bring the case to court based on where the contract was agreed.

From the Court services website
If the plaintiff chooses,
- in proceedings based on contract, where the contract was made

Yes.

But your previous post was about potentially bringing proceedings in the wrong county, by mistake. I presume that you mean this will be in the wrong jurisdiction (although some district court areas also straddle counties).

So what are you saying now?

Wrong address

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