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47K Unsecured debt advice


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returning the fee does not absolve them from abiding by time limits neither!

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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  • 2 weeks later...

I sent a CCA request to PRA, Lowell and Cabot (wanted to do this with the DCAs first before approaching the other two debts with OC's.

 

All three have written back to advise they are looking into it.

Lowell and PRA have advised they will halt payments whilst they look into it and should hear within 40 days.

 

Cabot more or less said the same but expect me to continue payments.

 

We are now approaching the 12+2 (23/11/18). Whats next?

 

Leave things be until I hear back?

Edited by dx100uk
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12+2 working days then you can cease payments till they fully comply..

 

And you do not respond till they each do..

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

PRA couldn't even find my details when I was on the phone to them offering to pay them, that's how crap they are. Before anyone asks, it was a small debt that I had to pay in order to be eligible for a mortgage, otherwise I would never have paid them.

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Hi all,

 

Received a letter from PRA today regarding the barclay card. PRA letter says we have enclosed copy documents as requested please contact us via phone etc. to discuss payment.

 

Attached is a letter from Barclaycard with my address, the account number with the body of the letter saying they refer to my request for info and they've enclosed a reconstituted copy of the credit agreement together with a copy of the terms of the agreemenet as varied in accordance with section 82(1) of the Act. This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you entered into this agreement. However, the interest rates, fees and charges set out in the agreement, may differ from those we have discussed with you, due to the current status of your account.

 

A statement of your account is below:

 

The current credit limit on your account is £0.00

 

The current balance on your account today is £xxxx.xx

 

This is followed by a 14 page Credit card agreement, it has in section 1 Introduction. This agreement is between us (barclays info.) and you, First Initial Surname, my address, and you applied via *widely known money comparison website*. There is a similar 14 page document with BASE written on the top of each page which misses out my details.

 

Does this comply with the cca request?

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might be best to hive this one off to its own thread now in the Barclaycard forum and scan everything to ONE multipage PDF and put it up.

read upload

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

you have posted....

you mean start a new thread

 

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

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