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    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
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if yo want HELP in doing the sheet

we need to SEE THINGS

we are not clairvoyant....

 

 

so the agreement where it mentions PPI

and any statement that mentions PPI.

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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:-):-):-) of course you do, sorry stupid question really haha

i will get on with it tonight

i bet your calling me all the names under the sun :oops:

thanks though

Saranev

 

Don't let them get away with it :mad2:

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no..all part of being in a forum..

 

some people research things themselves and never even post here they read existing threads

 

its what CAG is all about, open knowledge that can be researched

if someone doesn't ask or realise the things you've hit..

 

they'd be nowt to read.

 

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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  • 2 weeks later...
  • 3 weeks later...

attached what you emailed to your above post

 

now

this is a ppi reclaim on loan accounts?

why have you upload your bank account statements???

 

we need the loan statements...!!

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

This is all I have. I thought the bank statements would prove the amounts paid monthly attached to the loan agreements?

Saranev

 

Don't let them get away with it :mad2:

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ok let me see if I can get my knitting needles out later and unravel this.

 

 

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

  • 2 weeks later...

no been very busy and will be till atleast Tuesday

 

a very quick brush thru.

 

loan 8 mar 1999 13.2% of any payments were PPI. one reclaim

 

loan £10k 17.2% of any payments were for PPI reclaim two

 

bank A/C charges

charges, unauth OD fee [probably not now reclaimable]

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

  • 1 month later...

Where are you up to so far?

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

I have the info I posted but don't know what to do with it.

 

I have read until I can't read any more. I'm confused how to proceed.

 

The stuff they sent is not clear cut.

 

Could you give me some guidance please

 

Do you think there is more? Or is the offer fair?

Saranev

 

Don't let them get away with it :mad2:

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post 35 make your spreadsheets

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

I am trying to do the spreadsheet but the calculations are less than what they have offered in the first place?

I'm obviously doing something wrong.

 

Can i put both on one spreadsheet?

 

Also i have noted that the offers on the other loans have no dates on them so how can i calculate the interest?

Saranev

 

Don't let them get away with it :mad2:

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???you don't need their int rates?

 

 

why do you think you need those?

 

 

use the statint sheet as already advised.

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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omg i have calculated all loans on one spreadsheet and it comes to £14,143.29 could this be correct?

If it is i am lost for words.

May i draw your attention to 2 loans that i apparently claimed against

 

PPI premiums paid £2,512.06

Plus 8% simple interest £1,681.04

TOTAL £4,193.10

 

Less insurance claim £2,493.31

Adjusted PPI premiums and associated interest £1,018.33

Adjusted simple interest £681.46

TOTAL £1,699.79

 

I'm not sure which figure to calculate?

Any advice would be helpful

Thanks

 

I'm sorry for being such a numpty but people like me tend to bury their heads in the sand and then run around like a loon trying to sort things out

Saranev

 

Don't let them get away with it :mad2:

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urm..

attach your spreadsheets here

as .xls file but remove top pers details.

 

if the loans did not refinance each other

you cant put them on the same statint spreadsheet.

 

post 35 gave you the calcs to use on 2 of the loans

were there more then?

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

  • 2 weeks later...

ok here goes nothing

 

I have re-read the original letter from the YB and am now of sound mind to dissect it.

 

It clearly states there are 5 loans and then says they also found 4 more (the same loan numbers) so not MORE!

 

PPI upheld on 4 but then goes on to state an offer of recompence on 5

They have only included the agreements for 2 loans so how do they know about the others on which they have made an offer?

 

Could someone please look at the upload on post 4.

If there are 5 loans why have i not got 5 agreements as requested when i sent the SAR, I thought they had to by law?

 

They have agreed the PPI is there and made a token offer so they must have the info somewhere.

 

If you could please have a look and advise how to fill the CISheet v101.xls in it would be of great help.

 

I have printed the ombudsman questionnaire out and the letter as advised but i want to add to it that their letter does not make any sense.

 

So I just need the spreadsheet now.

 

 

Not understanding why i can't put them all on the same sheet?

 

Thanks

sara

Saranev

 

Don't let them get away with it :mad2:

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post 21 has the spreadsheet you need

 

if the loans were not a chain

then you must use a sep spreadsheet for each one.

 

phone and ask for the info you don't have

there is no legal remit sadly to include agreements in an sar

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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