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    • I'm still pondering/ trying to find docs re the above issue. Moving on - same saga; different issue I'm trying to understand what I can do: The lender/ mortgagee-in-possession has a claim v me for alleged debt. But the debt has only been incurred due to them failing to sell property in >5y. I'm fighting them on this.   I've been trying to get an order for sale for 2y.  I got it legally added into my counterclaim - but that will only be dealt with at trial.  This is really frustrating. The otherside's lawyers made an application to adjourn trial for a few more months - allegedly wanting to try sort some kind of settlement with me and to use the stay to sell.  At the hearing I asked Judge to expedite the order for sale. I pointed out they need a court-imposed deadline or this adjournment is just another time wasting tactic (with interest still accruing) as they have no buyer.  But the judge said he could legally only deal with the order at trial. The otherside don't want to be forced to sell the property.. Disclosure has presented so many emails which prove they want to keep it. I raised some points with the judge including misconduct of the receiver. The judge suggested I may have a separate claim against the receiver?   On this point - earlier paid-for lawyers said my counterclaim should be directed at the lender for interference with the receiver and the lender should be held responsible for the receiver's actions/ inactions.   I don't clearly understand that, but their legal advice was something to do with the role a receiver has acting as an agent for a borrower which makes it hard for a borrower to make a claim against a receiver ???.  However the judge's comment has got me thinking.  He made it clear the current claim is lender v me - it's not receiver v me.  Yet it is the receiver who is appointed to sell the property. (The receiver is mentioned/ involved in my counterclaim only from the lender collusion/ interference perspective).  So would I be able to make a separate application for an order for sale against the receiver?  Disclosure shows receiver has constantly rejected offers. He gave a contract to one buyer 4y ago. But colluded with the lender's lawyer to withdraw the contract after 2w to instead give it to the ceo of the lender (his own ltd co) (using same lawyer).  Emails show it was their joint strategy for lender/ ceo to keep the property.  The receiver didn't put the ceo under any pressure to exchange quickly.  After 1 month they all colluded again to follow a very destructive path - to gut the property.  My account was apparently switched into a "different fund" to "enable them to do works" (probably something to do with the ceo as he switched his ltd co accountant to in-house).   Interestingly the receiver told lender not to incur significant works costs and to hold interest.  The costs were huge (added to my account) and interest was not held.   The receiver rejected a good offer put forward by me 1.5y ago.  And he rejected a high offer 1y ago - to the dismay of the agent.  Would reasons like this be good enough to make a separate application to the court against the receiver for an order for sale ??  Or due to the main proceedings and/or the weird relationship a borrower has with a receiver I cannot ?
    • so a new powerless B2B debt DCA set up less than a month ago with a 99% success rate... operating on a NWNF basis , but charging £30 to set up your use of them. that's gonna last 5mins.... = SPAMMERS AND SCAMMERS. a DCA is NOT a BAILIFF and have  ZERO legal powers on ANY debt - no matter WHAT its type. dx      
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Sainsburys Credit Card [BOS] Help


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Hi all,

 

Back again with another issue for another friend of mine.

 

He has one credit card with Sainsbury’s with an outstanding balance of £8500 and that's it nothing else.

 

He lost his job about 3 years ago and went onto a payment plan with them which saw the interest frozen and him paying £100pm towards clearing the debt.

 

He was under the impression that the interest would be frozen permanently.

 

It turns out that it was only frozen for 6 months and for the past 30 months they have been taking £88 in interest.

 

This means that a balance he thought should have been about £5k is actually still sitting at £8500 and he has paid around £400 off the debt.

 

I have roughly calculated that given his circumstances and their unwillingness to help him at all he would have paid in the region of £36,000 back to Sainsbury’s by the time he clears the debt to them. This is outrageous given what he owes. (Loan sharks with a credit licence)

 

He is not in a position to start making normal payments as his new job is only part time and paying a lot less than he used to earn.

 

He has spoken to them and they agreed to stop all interest for a further 12 months and he also has this in writing but they deny that's what the letter states as they never allow anyone to freeze interest for more than 6 months. Then it’s reduced to 1%

 

He has even offered £3000 for a short settlement (bearing in mind they have already had £3000 in interest and the debt hasn’t reduced) which he can borrow from family and they have refused. They advised that they never accept short settlements as a matter of principle.

I have plenty of threads on here but even I’m at a loss of what to advise him.

I did say that if it was me I’d let them default me and reduce the payments to £1pm as he is struggling to pay £100 as it is and let them work for the money. Even if it went to court a judge wouldn’t award more than he can afford and in 6 years it all disappears.

Not the best advice, hence why I’m asking the CAG for help again.

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

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it not a priority debt .endoff

 

write and TELL THEM

 

1, here is an offer of £3k - full and final

or

2. £1 PCM for the rest of his life

 

take it or leave it sains...

 

what about PPI/unlawful charges etc etc

 

dx

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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Cheers dx100uk,

 

That's exactly what I thought and told him. Accept it or accept that he will only be paying them £1 for the rest of his life.

 

They really don't have a clue some of these companies. Greed greed bloody greed.

 

They seem to have forgotten that they are the main cause of people being in this position in the first place, yet still want their pound of flesh. Sainsburys (Lloyds group and before that HBOS)

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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charges, ppi?

 

dx

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

PPI = No

 

Charges = Not sure

 

Will get him to do a SAR and find out

 

Thanks again

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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  • 5 months later...

Afternoon,

 

Back again.

 

Can someone look at this DN as I'm positive it's invalid. It was also posted UK Mail and arrived today only allowing 10 days to retify.

 

He's not bothered about the default at all so I have advised him to let them terminate on the 22/01/2012 and them pay them £1 per month to clear the arrears and they can go whistle in the wind for the outstanding £7500

 

Please advise if you think differently

 

http://i420.photobucket.com/albums/pp284/djackson29/SainsburysDFN1.jpg

 

Thanks

Scrapper Coco M+35r94mDp1jIGazVGJiYmRkZGqAYWFhYWFhZmZmYeTqYif4b1lQy3pzNcn8iwLI8h04WBm52RiYmJmZmZmZkZxRKIPRAGmjiyIAD2QRsmJu1KygAAAABJRU5ErkJggg==

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Can someone also advise what charges he should be looking for as I've told him to do the SAR like I told him in the first place.

 

Thanks

Scrapper Coco M+35r94mDp1jIGazVGJiYmRkZGqAYWFhYWFhZmZmYeTqYif4b1lQy3pzNcn8iwLI8h04WBm52RiYmJmZmZmZkZxRKIPRAGmjiyIAD2QRsmJu1KygAAAABJRU5ErkJggg==

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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moved to the general debt forum

 

and you need to remove the Pix after your name

not working.

 

dx

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

Afternoon,

 

Can someone let me know if this DN is invalid

 

Thanks

Scrapper Coco

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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well in my books 22-8=14

so theres no postage time allowed

should be 2 days for 1st

4 days for 2nd

 

and as its uk mail that takes 5 days to get into the royal mail delivery system

 

as its got an S on the envelope it'll be 2nd class too.

 

but i would not ever rely on a paperwork error meaning anything

they'll just issue a new one if challenged

 

the bottom line is or the way a judge would see it -

 

if no attempt is made then dates mean nothing

 

dx

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

well in my books 22-8=14

so theres no postage time allowed

should be 2 days for 1st

4 days for 2nd

 

and as its uk mail that takes 5 days to get into the royal mail delivery system

 

as its got an S on the envelope it'll be 2nd class too.

 

but i would not ever rely on a paperwork error meaning anything

they'll just issue a new one if challenged

 

the bottom line is or the way a judge would see it -

 

if no attempt is made then dates mean nothing

 

dx

 

Hi DX

 

Thanks for getting back to me. Yes it has a great big S on it.

 

I didn't think they were allowed to issue a new DN? Or am I wrong?

 

An invalid Default Notice cannot be remedied by simply issuing a new Default Notice.

 

The Claimant may not serve a second effective default notice in prescribed form post-termination of the agreement. Any such second default notice will necessarily state a date by when I would be required to comply after which in default the agreement would terminate. The second default notice would therefore contain the fiction that the agreement endured when that cannot be the case, as it will be terminated on **/**/**. Terminating an Agreement on the back of a defective Default Notice, simply confirms the undeniable truth that Termination of the agreement by the Claimant was carried out in circumstances which then prohibited them from enjoying the benefits of Section 87, namely the opportunity to seek early Payment of a sum that was, prior to Termination, only payable in the future.

 

The reason I ask is because this morning he's received another DN claiming a totally different amount with a new date on it. This one also has been sent via UK Mail and has a big S on it.

 

With this one though they are advising that if an agreed payment cannot be reached. He's been on a payment plan with them for over 3 years now but has had to reduce his payments as his income has gone down. They issued a DN on him early last year and when he queried it they said it was an error but this time they said it's not an error and will happen unless the arrears is paid. Is they treating customers fairly given the arrangement of 3 years + ????

 

http://i420.photobucket.com/albums/pp284/djackson29/SainsburysDFN2b.jpg

http://i420.photobucket.com/albums/pp284/djackson29/SainsburysDFN2a.jpg

 

Any advise would be appreciated

 

Many thanks

Scrapper Coco

Edited by Scrapper

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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  • 4 weeks later...

Morning,

 

Well you have to give it them. This morning he received notification that his account has defaulted. Default date 26/01/12. A full 4 days before the date on the Default notice he received.

 

Any comments welcome

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Morning,

 

This gets even better. It's not 4 days early it's 5 days before the required payment date.

 

Should he contact the ICO & FOS to complain?

 

Have Sainsbury's well and truely messed up?

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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Share on other sites

Morning,

 

Urgent advice needed. My mate received a letter this morning asking for him to send in a copy of the DN provided by Sainsburys as they have no record of it.

 

They have also passed it onto Blair, Oliver & Scott.

 

What should he do? Sent it or ignore them?

 

He has written to them advising that they have royally fecked up & all payments will be reduced to £1pm and he welcomes litigation.

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Link to post
Share on other sites

its his money he chooses where to use it £1PCM good!!

 

sainburys are Hbos i'm told

 

so not surprised you've got Blair Oliver Scott [bOS!!]

their tame/fake solicitor making noises

 

none of them have powers

 

ignore the threat-o-grams.

 

dx

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

Thanks DX.

 

What about their request to send in the DN as they haven't got a copy? Should he ignore them?

 

Thanks

Scrapper Coco

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Link to post
Share on other sites

thats their problem!!

 

dx

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

thats their problem!!

 

dx

 

I'll take that as a NO then DX. Exactly what I thought.

 

One last question or maybe 2. Should he write to the ICO & lodge a complaint with FOS?

 

The reason I'm asking as he paid the the amount required on the 27th Jan, then received a letter about the account being defaulted and terminated when he had already complied.

 

CRA is showing as defaulted on the 25th 5 days before the DN date.

 

Me thinks they could be in serious trouble.

 

Cheers

Scrapper Coco

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  • 2 weeks later...

Afternoon,

 

Well my mate got another letter this morning advising that Sainsburys have done nothing wrong in defaulting his account on the 25th Jan when the DN clearly states the 30th Jan.

 

If that is the case way does the letter also state that as a good will gesture they have refunded over £1500 in charges and interest.

 

It then goes on to state that he should now deal with their in house cowboys Blair, Oliver & Scott

 

How incorrect can they be?

 

He's been on a payment plan since 2009 and out of the blue they decide to default & terminate his account.

 

So on the back of this information he has reduced his monthly payments to £1.00 instead of £100

 

So my questions are,

 

Can they do this?

 

What action can he take?

 

What should he do to prevent them taking action (stop them dead in their tracks)

 

And anything else anyone can think of

 

Thanks

Scrapper Coco :cool:

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Bump Bump

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

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Bump

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

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Morning all,

 

Mate got this alert yesterday which is somewhat strange. Anyone shed any light on this? Account showing as settled.

 

http://i420.photobucket.com/albums/pp284/djackson29/SainsburysSettled.jpg

 

Thanks

Scrapper Coco :cool:

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

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they've written the loan off against tax and put it on a phishing list

for one of the many fleecers to buy and try and fleece you.

 

in a way good news.

 

means they know there is a problem

and they'll never be able to enforce it

if they went to court.

 

dx

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 DX,

 

Thanks for quick reply.

 

Got a question for you. Would it be possible to take Sainsbury's to court?

 

He has been on a payment arrangement for 3 years. This was extended every 6 months but on this occassion it was only 5 months and they passed it to their in house monkeys.

 

The default notice clearly states payment by the 30th Jan yet they have registered the default as of the 25th Jan. 5 days prior to the agreed date.

 

Plus the DN only allowed 10 days to rectify the issue

 

Thanks

Scrapper Coco

"I just want to make people silky-smooth!"

 

Scrapper vs MBNA Partial Settlement Success. Saved £13,000 :lol:

Scrapper vs Barclays Bank Plc PPI Reclaim Success £5,500 :lol:

Scrapper vs Barclaycard Partial Settlement Success. Saved £6,000 :lol:

 

Scrapper vs Tesco's FOS upheld complaint. Possible court action to get default removed

 

Scrapper vs Egg (Barclaycard) Awaiting FOS

 

Scrapper vs Barclays Bank Plc Offered made & Refused. This means war :-x

Scrapper vs Barclaycard (Cabot) Waiting 4 years for CCA. Cabot advised irresolvable :lol:

 

Scrapper vs Intelligent Finance. Success

 

Scrapper vs Picture (Webb Resolutions) Success

 

 

Beginner's guide

 

Advice & opinions given by Scrapper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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if he was on an arrangement to pay

 

then they are quite correct to default him.

 

you could wave your arms around about the DN being defactive

but they'll only issue a new one i bet.

 

it wont really come into play unless they go to court

 

dx

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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