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Hello, I’m Ben. It’s my pleasure to assist you today. I may also ask for some preliminary information to help me determine the legal position.
Hi there. Are you able to provide the agent with proof of the pending payment?
OK I understand and thank you for providing this information. Please do not worry and leave it with me for now; I will get back to you with my answer as soon as I can, which will be at some point today. The system will notify you when this happens. Please do not reply in the meantime as this may unnecessarily delay my response. Many thanks.
Many thanks for your patience, I am pleased to be able to continue assisting with your query now. First of all, I am sorry to hear about the issues you have experienced in your situation.
It is an unfortunate situation where you are temporarily in ‘no man’s land’ so to speak as the payment has been made by you, the transaction is pending but the other side may not have received it yet. As far as you are concerned, the payment has been made, but as far as the debt collector is concerned, they have not received it. In the end, they are not incorrect in only dropping this matter once funds have cleared into their accounts.
However, this should not last for too long as the transaction will not be pending indefinitely and sooner or later it will clear, usually it should be a matter of days.
Not sure what ‘further action’ they are threatening to take but there is no point going to court and even if they did, it will put an end to it once they receive the payment. They can make further threat and demands but you can ignore these and stall them until this payment clears through.
Hopefully, I have answered your query in a way that is simple and easy to understand. If anything remains unclear, I will be more than happy to clarify it for you. In the meantime, thank you once again for using our services.
Technically, yes because they have not actually received payment yet
You are most welcome. If you have any further questions about this then please do not hesitate to get back to me and I will be glad to help. All the best