well once 12+2 working days have expired since you sent a cca request

you can stop paying that fleecer .....if they've not complied and we've checked it ...till they do.

I stopped paying stepchange

the 2 replies ive had back

one is 1st credit saying they are aware of dispute and will contact original lender/suspend collections activity whilst they endeavour to obtain documents.

The other is Idem servicing who say we endeavour to provide the requisite information within the next 12 working days.

well done

another cash cow removed from the dca milking parlour

pigs might fly them getting enforceable cca's too..

dx

When are the days counted from

the day I sent or the day they received?

do these letters buy them time ?

Will anything happen will this be the end of things?

still seems to good to be true

well that's what the dca's said when you blindly started paying them..

this is too good to be true..free money..let go on holiday with it.

that's what the +2 days is for posting.

buy them time?? .

.stops you continuing to be fleeced blind

Ok thank you what do you mean the bit where you put we^ve checked it do I need to post something?

if you get anything back, like a cobbled together agreement and the T&C's you'll need to scan them up.

go read/look at a few debt threads in the forums!!

click the main forum tab top left [scroll up]

drill down to the forum named the same as the original creditor that gave you the credit .

click that forum

read some threads

ok thanks

Hi

ive had replies from cabot stating they acknowledge the 12 day time limit.

However, as they have had to request the details from the original lender they anticipate that it will take them longer.

They hope within 40 days to comply with request , do I post this info under cabot or just continue to wait.......

Thanks

cabot always say that

they have as already advised 12+2 working days from you posting it

if they fail to comply

you can stop paying them.

ok thanks

is there anyway legally it can go back to the original lender

do they have any legal grounds

or is that the whole point of all of this to see what they can come up with?

I think I'm slowly getting it,

doesn't matter who owns it if theres no Enforceable agreement

dx

ARRRGG made a small mistake

I sent the SAR to Lloyds and its joint but I only enclosed £10 po

they just called me to inform me of this and asked me what paperwork I wanted to save sending irrelevant things

I said ALL!!!

hope this was the right reply,

I also said I would send SAR for partner with po.

The 12+2 days were up today I will post a letter of correspondence later from one of the dca in the proper place

they have stated that it will be defaulted on

I was under the impression it had been as its 2009 debt

.I'll post it when I figure out how to scan it.

Lloyds at one point in our lives loaned us as a charge on our home £10k to take on a ltd business

not sure how relevant that is

we cleared it so our home wasn't at risk

would we be able to use relevant paperwork for anything else

as they freely leant us way too many loans hence the mess we are in.

after the 12+2 days which ended on Friday

2 dca haven't replied at all

,I just need to sort my husbands SAR as I slipped up with the postal order just off me that'll be done Monday.

Will they all of been defaulted at the time of passing to DCA?

I have no way of checking as it was in 2009 off file now.

Yes99% of the time an OC will default before sale

I've received response from SAR

they've asked if I want call data and or emails as this may take longer

they will advise on length of time when I reply

I don't recall emailing ever

would this be necessary or do I just need bank paper info?

thanks in advance

You are in no rush

They could be the key

So request it all?

I feel like I'm waiting ....

.what might happen

I realise everyones circumstances are different

I've read a few posts and things everyone else seems to be settling debts or bankruptcy

was I just in a better position fleeced for longer can't quite figure out things

No one is settling unenforceable debts here

And if they are a mug

might as well burn the money

Ok thanks

Im not really sure where to post as to continue from stopping the dmp

i get calls continuesly from cabot and a couple of letters saying set up personal payment plans with them

thanks in advance

so update us upon what you did

you stopped the DMP and payments?? well done if you did!!

yes stopped paying dmp

did an SAR to bank regarding overdraft

this was sold off to cabot too.

cca to all of the other loans /credit cards

idem and cabot keep phoning saying we need to set up payment plan or it will affect credit file

I have access to clearscore and have excellent rating on there

havent signed up to experian to see whats on there

dont need credit anyway,

how do I stop them calling or cant I?

wow that really impressive

so in a nut shell

you've written off over £50k of debt thanks to CAG and a few simple CCA request that were all ignored.

your debt cant comeback on your file

so gameover for all of 'em.

one big cash cow gone!!

yes it seems so I would hate to speak to soon totally unbelievable but amazing how do I make a donation? cant thank you enough,

below