Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
About 9 years ago I started paying Credsec £60 p/m on a £11,500 loan which was in default. There is about £3500 left on the loan now and tbh, I am sick of still paying. Would it be worth me going down the CCA route on this in a bid to free myself from their 'strangle hold'?
Scroll down to Letter N, enclose a postal order for £1 (not a chq.), don't sign it... just print a "signature in block capitals instead. Send by rec. delivery and keep the receipt. If they haven't complied within 12 working days from receipt... you can withhold all further payments until they do.
If they send anything back to you... have it checked out on here and DO NOT HAVE ANY DEALINGS WITH THEM OVER THE 'PHONE.
NEVER communicate by 'phone. Send EVERYTHING by Recorded/Special Delivery Keep a copy of EVERYTHING sent Keep hold of EVERYTHING received Be wary of advice to check credit files
lol, that is YOUR choice wether or not you want to pay it, all i'll say that if they fail to provide the CCA and they take you to court you show the court your CCA request along with proof they received it the act states that a judge cannot enforce the debt without a properly documented agreement,
soooooooooooo without it the DCA can do NOTHING but bug you for money, THEN you start threatening the DCA with legal action for harrassement.
It's owns back to all the agro they caused you, without the CCA you in your LEGAL right to tell the dca to take long walk of a short pier.
Scroll down to Letter N, enclose a postal order for £1 (not a chq.), don't sign it... just print a "signature in block capitals instead. Send by rec. delivery and keep the receipt. If they haven't complied within 12 working days from receipt... you can withhold all further payments until they do.
If they send anything back to you... have it checked out on here and DO NOT HAVE ANY DEALINGS WITH THEM OVER THE 'PHONE.
Silly question but....why should the letter not be signed??
thats fine, if sending £1 cheque dont forget that will have your sig on aswell, get some 1 else to do or use postal order,
remember to send by recorded/special delivery. watch mail web site (can take 3-4 days to show) but start the clock on date mail site it shows deliverd and count 12 WORKING days.
If my advice has been helpful please feel free to click on my scales :grin:
Do they own the debt? It's probably not worth doing a SAR as you are going down the CCA route, but you would probably be shocked to find out how much they paid for this debt. I'll bet it was peanuts, nothing like 11.5K I'll be watching this one good luck.
If they don't have a CCA document to hand over you can use their lack of documentary evidence to suggest you call it quits. If they go along with that make sure you get their agreement in writing and add a clause that the matter is marked as satisfied on your credit files.
they wont do that nailpost mark as satisfied i mean, the usual route if NO cca and they contuine to bug it to threaten them with harassement ect........ IF the DCA has placed default or what ever on CRA files with out a CCA you tell them they got 2 choices
1. they remove it at their own free will
2. take legal action to force removal and claim some heavy compensation for causing damage to CRA files
Paying DCA for 9 years!
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Originally Posted by PriorityOne
Re: Paying DCA for 9 years!
