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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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WDA/Moorcroft sending someone to my house! Advice needed


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Hello,

 

I am not familiar with the current legislation regarding payday loans so advice on a letter structure would be appreciated.

 

Background: A few years ago now I was a compulsive gambler and borrowed from any lender that would give me the cash

 

. I managed to rack up £50k's of debt and at the time didn't have a secure job.

 

Two years ago after a lot of hard work on myself,

help from family and a years worth of councelling,

I have not gambled,

I've got a permanent job paying a decentish wage

, I've paid off nearly all my debts.

 

one of those who I hadn't yet paid was from a company named wageday advance for£650.

They have since I ignored their threatening letters passed it onto Moorcroft who wrote me a lovely letter saying they will come to visit me at my house in the near future for a chat about it.

 

firstly I have absolutely no desire at all to chat to them about it in my house.

Is there a template to say I do not want them to come to my house?

 

Secondly. They mention a reduced offer as settlement, but didn't say an amount.

 

Now,

I have been on a quest to be debt free since I stopped gambling, and paid back the main people.

 

But I guess I left the payday loans to last simply because I do have quite an angst against them

- they do prey on the vulnerable soley for profit and to the severe detriment of the borroweer.

 

Don't get me wrong,

I take full responsibility for my debts and what I did and have paid some VERY heavy prices

- however, lending at whatever it was 3000%+ without doing any checks to someone who is essentially not well is in my mind criminal!

 

However, my mind doesn't really come into play here, it's what the law says that counts.

Is there any legislation about responsible lending that these companies should have adhered too?

Can you even fight them on these grounds?

 

What would be a reasonable lump sum final offer for a £650 debt? If I did just want to get rid of it?

 

Thank you so much for reading.

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They wont send anyone. And if they are stupid enough to, they have no legal rights, so you can inore them or call 101 and tell the police someone is harassing you.

 

Dont be intimidated by them. Stand your ground. You can certainly challenge them for irresposible lending. Youve been on this site for 10 years now, so you know how DCA's operate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ignore

DCA's have no legal powers whatsoever

They are not bailiffs

 

If some does appear

Tell them to leave or you,ii call101

 

Don't send any silly letters

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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