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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

This is a continuation of this thread.

 

In 2016 I received a letter from this creditor stating that they had incorrectly applied interest to the loan and were reviewing it.

Last year they sent me a letter stating that they consider the debt unenforceable and would I like a correction notice applied to my credit file.

I accepted and a correction has been added. I am still paying this through AP of £5 pm to PR Group.

 

This loan has caused me nothing but bad luck.

The PPI I took out to cover me for illness didn't, I went on to minimum payments in Feb of 2011.

 

They then redressed the PPI which they paid on to the loan and said that this was classed as a payment.

I was still told however to continue with the AP of £5 during that period.

 

In 2012 the loan went back to being in arrears (PPI Payment had been eaten up).

Finally in 2013 they defaulted me.

 

I am still in default for another year.

Now they have incorrectly applied the interest..

 

.Do I have any kind of case to go to the Ombudsmen to ask that the date of default be put back to 2011?

I really want my credit to be performing as I would like to by my own home.

I am 40 next month and this has been going on for 7 years now!

 

Thanks in advance

Edited by dx100uk
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file will vanish in july this year.

 

nothing to really do with the FOS

 

would be the ICO you need to complain too.

per I wouldn't bother

 

you did stop paying didn't you?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oops cant count...

 

Nationwide have said they don't have the signed agreement and it's unenforceable

 

Information commissioners are the ones to complain too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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