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Egg Loan DCA refused FF Offer and CCA follow up


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Brief description,

 

£11,343 - Egg Loan (original loan was £15k),

Aktiv Kapital (UK) Ltd (Not showing on my credit report)

 

- when was you last payment? Through dmplink3.gif once every month

 

So they have sent refusal letter and a response to a CCA request.

 

whilst awaiting the cca, collection has been removed

 

AK 75% discount offer letter

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they have offered a 75% discount already

 

there is something very wrong here

 

have you sar'd egg direct?

 

you certainly have PPI to reclaim

 

which would be worth £1000's

 

certainly more than the £2k ish they want.

 

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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they have offered a 75% discount already

 

there is something very wrong here

 

have you sar'd egg direct?

 

you certainly have PPI to reclaim

 

which would be worth £1000's

 

certainly more than the £2k ish they want.

 

dx

 

No I have SAR'd. I already have claimed PPI which is some of the money I have put aside if I required to clear debts on a FF.

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so you got the ppi back before the 19th june letter above?

 

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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then that puzzles me why they ar offering 75% off

 

need to find the reason

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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yep

lets see what that throws up

 

something is very wrong that's for sure

not spotted it yet

unless the dca has offered you the PP back itself as a discount

when they don't know its already reclaimed?

unless the reclaim was way wrong you got?

 

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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Share on other sites

yep

lets see what that throws up

 

something is very wrong that's for sure

not spotted it yet

unless the dca has offered you the PP back itself as a discount

when they don't know its already reclaimed?

unless the reclaim was way wrong you got?

 

dx

 

The PPI claim wasn't put against the debt, they sent me a cheque. Was little different on some of my other debts but this one was paid.

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doesn't matter

 

the idea of PPI reclaiming tis to restructure the loan as if PPI was never started.

 

obv that has not been done before the DCa got their hands on it.

 

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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Share on other sites

imho i'd sar them [egg]

 

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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imho i'd sar them [egg]

 

dx

 

Do you think there not disclosing some vital information?

 

They have shown quite alot which I can categorically say is/has been the case. Though it is more than likely a debt that has been sold on and now just penalty charges.

 

Even though I want quick closure, i'm happy to forsee through the possibility its a unforceable debt that I can right off, regardless if I have the funds to pay the FF offer at 75% off.

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this debt is not on your CRA file [already defaulted and gone]

 

so its not doing you any harm.

 

if the above is correct

forget about the debt.

 

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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Share on other sites

this debt is not on your CRA file [already defaulted and gone]

 

so its not doing you any harm.

 

if the above is correct

forget about the debt.

 

dx

 

OK, so by that it can not be defaulted again now I have stopped the payments via dmp?

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A debt can only be defaulted once. No exceptions.

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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doesn't matter WHAT they do

 

no-one will see it

 

 

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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Share on other sites

doesn't matter WHAT they do

 

no-one will see it

 

 

dx

 

OK, so looks like this is 101% a dead debt and will never show again on my CRA?

 

If so, I kind of feel like I won the lottery in some respects after years of looking over my shoulder and paying price for not being able to move on in life

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If it has fallen off your Credit record due to 6 years passing, it can NEVER be placed there again.

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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I'm not even sure this debt defaulted,

is there anyway to be sure it did/has?

 

The statements in the attachment on post #2 don't appear to show it, and clearly not on my CRa.

 

I'm just making sure I don't fall into a situation where I could possibly be defaulted for now stopping all payments via dmp / dca

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cra file

 

have you checked noddle

the passed history should show

 

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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