Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


+ Reply to Thread
Page 2 of 2
FirstFirst 1 2
Results 21 to 32 of 32
  1. #21
    Site Team The Consumer Action Group Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Sep 2007
    Posts : 47,376 (13.12 post per day)

    Default Re: Help please with Counterclaim against Legal Firm

    Afraid not...the best defences normally see them run and discontinue before it gets to trial.

    We could do with some help from you

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



    If you want advice on your thread please PM me a link to your thread
    Follows
    0
    Following
    0

  2. #22
    Basic Account Holder ITmanrichard Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jun 2014
    Posts : 30 (0.03 post per day)

    Default DCA continue to chase "debt" after losing in Court

    Keeping it brief:
    2011 owed 8k to Barclaycard

    We Win 11k PPIicon from Barclaycard,
    BC state in letter they will keep any PPI due against balance, and duly transfer 3K into our bank. Fair enough, debt cleared and we get 3K.

    2013 we find out BC have sold "debt" to DCAicon and they chase us for 8K,
    eventually goes to Court in Dec 2015 DCA lose. End of.

    But no,
    DCA sell debt to Robinson Way!
    They chase us,
    we give them CC case number and court date and tell them to take a running jump!

    Still chasing us
    we need this stopped it's been 4 years now and all the time on my wife's credit file.
    Suggestions greatly appreciated.


  3. #23
    Royalties Account Holder Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo Authoritative Bazooka Boo's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Feb 2008
    Posts : 18,909 (5.51 post per day)

    Blog Entries
    2

    Default Re: DCA continue to chase "debt" after losing in Court

    Ignore them.

    Complain to the FCA and your local MP.

    There's nothing they can do, I'd be willing them to try court action, be able to claim for damages.


    Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!
    HOW DO I START A NEW THREAD?



    Follows
    0
    Following
    0

  4. #24
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 103,490 (26.79 post per day)

    Default Re: DCA continue to chase "debt" after losing in Court

    old and new threads merged for history.
    who tried court name them please

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  5. #25
    Basic Account Holder ITmanrichard Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jun 2014
    Posts : 30 (0.03 post per day)

    Default

    Quote Originally Posted by dx100uk View Post
    old and new threads merged for history.
    who tried court name them please
    BCard sold debt to MKDP LLP
    MKDP lost in court

    Robinson way chasing.
    It says on today's letter "former HDHP 2 Ltd ( Barclay card) (never heard of them?

    They want all the details and my wife is ( stating) she is
    "not giving out any more of her details to another company who has no connection with her whatsoever" she's obviously miffed.

    we gave them the case number and court and told them to obtain a copy of the judgement.
    They didn't and wrote back that Barclaycard had no knowledge of any order or judgement
    - but then they wouldn't because it was MKDP LLP.

    RW have even admitted this drops off my wife's credit file in December, it's been that long.


    My wife was intitalyy refused car finance from VWFS 3 years ago because of this,
    we sent the underwriters our Court Defence and luckily because of this and 10 previous years of faultless payments to them they reversed the decision
    - my wife was on a PCP plan and would of had her old car taken away and had no car to get to work.

    We are just really annoyed now and want someone to pay for what they have done.


  6. #26
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 103,490 (26.79 post per day)

    Default Re: DCA continue to chase "debt" after losing in Court

    they haven't done anything - no -one has sold the debt on again....


    you've simply responded to a phishing letter without doing the necessary research.


    MKDP were purchased by Hoist Portfolio Holdings 2 Ltd in 2015
    robbersway and just another trading name of HPH2 hoist.


    all the same lot.


    ignore

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  7. #27
    Basic Account Holder ITmanrichard Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jun 2014
    Posts : 30 (0.03 post per day)

    Default Re: DCA continue to chase "debt" after losing in Court

    We would ignore, but we have wanted to remortgage for 2 years now and can't because of this on my wife's credit file.

    It's just not justice; I'm not saying life's fair sometimes but this takes the Mick.


  8. #28
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 103,490 (26.79 post per day)

    Default Re: DCA continue to chase "debt" after losing in Court

    well that's nothing to do with the owners now
    bc defaulted you upon sale.


    if that's not correctly registered then go talk to bc.


    when did she miss her third due payment?

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  9. #29
    Basic Account Holder ITmanrichard Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jun 2014
    Posts : 30 (0.03 post per day)

    Default

    She didn't?
    It was paid in full by the time BC sold it to 3rd Party
    - 3rd Party registered it as default straight away without any opportunity to pay

    what do you mean nothing to do with owners?
    There iwas no debt to own in the first place?


    They own nothing, that is the point here which with all due respect I think is a point you are missing?


  10. #30
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 103,490 (26.79 post per day)

    Default Re: DCA continue to chase "debt" after losing in Court

    a debt buyer cant default a credit file
    all they can do is mirror the date that the original creditor registered in their own entry about the account they now own.

    you need to understand how credit files work.

    for the original creditor to take 8k of an 11k PPIicon reclaim to settle the outstanding balance, then there must have been a debt.

    unless she had never missed a payment to that date then you are correct. no default should be registered.

    if she had missed payments, to be correct the 3rd time, then under the information commissioners rules and guidelines they were entitled to default the debt
    but the DATE of the default must be the correct one - the date of the third missed payment, not when they sold the account on.

    I understand what you are saying . but you need the correct data to challenge the original creditor and
    get them to correct the defaulted date ,

    so have you all the statements?

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  11. #31
    Basic Account Holder ITmanrichard Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jun 2014
    Posts : 30 (0.03 post per day)

    Default

    Hi there, thanks for responding again, I don't want you to think that I am not grateful:

    I briefly touched this earlier on in the thread
    - my wife was admitted to hospital for quite some time
    - she was late (not missed) one payment
    - I had to get her to sign a document giving me the right to deal with the matter,


    I called them and whilst she was in hospital they agreed a reduced payment schedule which we stuck to exactly
    - then shortly after she came out of hospital we learned that they had defaulted her despite saying that if we kept up the payments they would not do this.

    They told us at the time she didn't have PPIicon which is why with a job that didn't pay sick pay, we struggled with the payments (and others too).


    At a later date we requested to check for miss-sold PPI and found out she did indeed have PPI all along, we didn't actually click on at the time that she should have been paid out whilst in hospital, and then she would of never missed any payments or had a payment plan.
    Despite sticking to this plan they defaulted her and immediately sold the debt.


    Yes they did "mirror" the default but its on the credit file from BC and MKDP LLP concurrently and the number of defaults is listed as 2.
    Experian said this should not happen, but told us to contact BC to sort out who never did.

    This was from 2011 which is why it "drops off" her file later this year;
    Robinson Way actually told us this??


    Like I said they have been informed it went to Court and MKDP LLP (HPH2 Ltd) lost,
    they have been provided with the Court date, location and case number.


    they know she only has a default until December, they know there was a Court Case in which it was proved she did not owe a penny, yet still they chase.

    Despite it not being RW who lost in Court they have all the details yet continue to harass and make vexatious claims - surely this is wrong on so many levels, and surely a judge wouldn't be impressed?

    Sorry for the rant but when you paid a debt off years ago how long can you be chased for that debt without getting extremely annoyed, I cant say on here what I really think.

    We don't have all the statements but at some point we sent SARicon and have therefore got a printout of everything.

    Hey hold a minute,
    so if MKDP LLP, HPH2 Ltd and RW are all part of Hoist surely there is no excuse for not knowing that MKDP lost this in Court already?


    So WHY are they chasing, surely this is just not legal?


  12. #32
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 103,490 (26.79 post per day)

    Default Re: DCA continue to chase "debt" after losing in Court

    prove she didn't default then and demand bc removed the default and seek compensation.


    but as I said earlier..


    for the original creditor to take 8k of an 11k PPIicon reclaim to settle the outstanding balance, then there must have been a debt.

    unless she had never missed a payment to that date then you are correct. no default should be registered.

    if she had missed payments, to be correct the 3rd time, then under the information commissioners rules and guidelines they were entitled to default the debt
    but the DATE of the default must be the correct one - the date of the third missed payment, not when they sold the account on.



    late/missed sadly makes no odds.


    having 2 defaults for the same debt does not harm you more than one.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details