Welcome to the trust deed forum JG2022.

What I'm understanding from your post (and please tell me if I've got this wrong) is that:

1 - You went into a trust deed in 2019

2 - There's an unpaid vet bill from 2021

3 - There's now debt collectors involved (and a threat of court action) for the unpaid part of the 2021 bill

The key point here is that your trust deed only protects you from debts that existed when you signed your trust deed. You have no protection from any debts that you incurred later.

So it would make sense to pay what's owed ASAP, or to try to reach an agreement with the debt collection agency to pay in installments, before the costs (and risk of legal action) increase further.

Thanks for your advice,

but im looking to see how authentic the dept that was passed on really could be handled the way it did for example we were under no impression we were entering in to a payment agreement regarding the payment even being past to a 3rd party we signed a document for work but no document relating to 3rd partys being envolved

We were under the impression it was a cash payment and the other half was to be completed a month later i know silly but i was under not impresions i was getting in to a credit greement with the vet? but this was at the start of the pandemic and were in the trust deed leaving us short i had no intenttions of actualy not paying just waiting on money sittuation getting better

My question would be this the vet had us sign a document for work that was being carried out however there was no documentation shown to us for none payment nore was there a verable disclosure of this they have sent out a recept of the work but this also dosent state nothing regarding the bill being passed on to 3rd partys,

i have tried to reach out to the vet directly but there stating the bill has been past on to collectors, i feel the bill has been purpusly racketed up and up and up given its near at %100 of its origonal amount at a very fast rate just to give it leverage in a court,

Thanks

quote:

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Originally posted by TDA (Debt Adviser)
[br]Welcome to the trust deed forum JG2022.

What I'm understanding from your post (and please tell me if I've got this wrong) is that:

1 - You went into a trust deed in 2019

2 - There's an unpaid vet bill from 2021

3 - There's now debt collectors involved (and a threat of court action) for the unpaid part of the 2021 bill

The key point here is that your trust deed only protects you from debts that existed when you signed your trust deed. You have no protection from any debts that you incurred later.

So it would make sense to pay what's owed ASAP, or to try to reach an agreement with the debt collection agency to pay in installments, before the costs (and risk of legal action) increase further.

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Hi JG2022. I'm afraid this is probably not the right forum for your question if you are asking whether the vet has the right to pass the debt on to a collector and for that collector to charge a fee on top of the debt. We aren't legal experts on debt collection practices, so I would suggest you try to find a lawyer who may be able to answer that for you.