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notsoevil

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  1. My friend has a defaulted overdraft that has been passed to westcott . Due to problems getting paid she has been without most of her money for a few months now but is due to get back paid later this month. I spoke to westcott on her behalf 2 weeks ago explained the situation and said once she is paid later this month she pay xxx amount. She just wants it gone asap. The caller said they must have a holding but I explained she was living off crisis loan at the mo so cant do anything until then, the amt she will pay is quite enough to cover her arrears and some! They said OK and will hold account. She has had 16 telephone calls in the past 8 days while I was on my hols that she ignored. She called the back today and they said as she hasnt paid holding fee had to pay something then and there or else and has sent a "solictors" letter to her! She has no assets btw. She argued that she wasnt informed it was held and was told this is ok but the woman kept saying we need a holding fee so she has paid a £1. I am livid! They also asked her what she was spending tax credits on etc! And I&E which I told not to give as she already explained she is living off crisis loan. What is the best course of action is any?
  2. I should say by doing this they can see you normally make min. payment and you say your family has offered the money only if they accept in F&F otherwise they wont help you!
  3. One way would be to continue making payments as you are and start saving up to offer them settlements one by one, make sure they are full and final settlements and offer a little over what you spent on the cards etc to include some but not all of the awful interest charges!
  4. visit moneysupermarket.com to have a look, or just type in bad debt loans into google, becareful of the interest rate dont end up paying 50% or the likes! read the small print as well!
  5. Hi an idea to check you are claiming what you should be visit entitledto.co.uk
  6. oh and see my post on DRO's not sure if it will help you..
  7. I agree with the above if your mother continues to recieve letter she can contact them (in writing is she wishes) to say you havent lived there since..... and now live australia. Thats all she needs to say. Dont forget DCA have to stop contact once they have been informed that the person they are chasing is not there. Difficulty is if they do a search and you still registered as living at that address (for eg on voters roll there or bank statements are still going there) they may believe you are still living there.
  8. Hi not sure if this has already been mentioned but in April it will be possible for people who have no assets to be able to apply for something like an IVA / bankruptcy. You can only clear up to £15k of the debt, it has tio be done through CAB and it will only cost £90. There is more info on this here Debt Wizard - Debt Relief Orders I havent looked into this much so unsure about how long it last etc, but it may help some people.
  9. Follow on from this one. I have just spoken on friends behalf to the DCA who admitted they do not have the agreement. I explained that due to problems around the time of the loan he is not aware of what it was for. He may of made payments but just paid for a quite life. Now he wants to know what it was for, how much etc. They could not tell me, said it was not on his screen. I asked again for the agreement and he said he didnt have one. I then said where is the legal proof then that there is a debt. DCA said that the agreement with friend ended when he defaulted and it was passed to them. Now it has been over 6 years since the agreement - they do not have to keep it. He then added why would he not be a paying a debt that he has been paying. What now??? Another letter to them saying that as you dont have agreement blah blah? What is their likely reply to that? Thanks for your help.
  10. I cant believe I am only the DCA that does actually give out helpful advice. I do make sure debt is written off that is clearly unfair (£200 bill for £20 overdraft for example, and other silly bank stories). Also some people are not aware of the benefits they can claim, or extra help, as unless you ask about them generally speaking you wont be put forward for them. Many are not aware of the CCCS, and use companies that charge to help you with your debt. Some people who have a clear legal case against a bank etc still years later has not done anything about it. If that is case I will say so! I have never had a complaint against me (though I can not say the same for my colleagues). Just wondered if I was the only one!! (by the way I am looking for a different job, one that is an advisory role!)
  11. Hi Obviously a lot of people (myself included in the past) have had experiences with nasty DCA's. However I have noticed that no one has mentioned anyone from any company being helpful etc... Any of you had any experience in this?
  12. They cant default if the debt is in dispute. You will have to go back to them though and state that you are disputing due to them not having a valid CCA. Then get as much info as possible about why it not valid and the laws surrounding it and send it to them to back up your claim.
  13. I had an issue with TV Licence last year. When I left my ex, my ex write to state that the tv licence at our (well then mine) address was now in my name, and I did the same. When I moved to a new address I was paying tv licence and they came to my door to tell me I didnt have one, and I was in fact paying from my bank account for my ex's!!! (which he was doing also). I got this corrected but you do think I got refund? Nope because ex had to organise and would then be issued in his name!!!
  14. Have had a quick read, if the court says that interest was to of stopped - then in my view only the court can add interest. Did you have a solicitor? If so go and see him if possible and ask for copies of statement to show what the outstanding amount is made up of.
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