had response many a time on RM site they are useless take money and fail to obtain signatures, delivery by sack to many big companies so not seen by post van driver to get siggy- but also in all cases a letter back to me refering to my letter of xx xxx xxxx inst so they do get them.

Thanks. So it seems that I will have to assume they have got them then! Not worth sending again non recorded I suppose.

Yes you presume received.

Not your problem if Link don't provide the paperwork to Royal Mail for their systems.

Have received a letter from IDEM Servicing regarding an MBNA credit card debt from 2005,

enclosing a copy of the original signed agreement with my signature and what looks like a fresh set of the terms and agreement with a footer dated the same month and year as the signed agreement.

The letter states, they have now fully complied with their obligations and the debt once again becomes enforceable.

Any advice on this?

I will scan it up in a new thread

but looks like it may mean I have to make a low offer of payment to avoid a CCJ unless I am missing something?

It seems I am getting back quite a few original signed agreement which is worrying me.

I expected from comments there that I was being cash cowed by these DCAs.

lets see the return

they all have filing cabinets of fake paperwork.

start that thread

blown up nice and big so we can look at the fonts on the print. Sometimes people slip up by using a font ro printing technology that didnt exist back then to make their reconstituted documents. that will give them something to think about if the same doument uses 2 fonts

Capital One sent me back a copy of my original signed agreement (with signature) and what looks like reconstituted T&Cs. This is for a 2003 CC debt.

I have missed the last 3 stepchange payments now and today received a letter saying they have instructed Fredrickson International Ltd. to act on their behalf to arrange repayment (part of Lowells group)

Does this mean they have sold the debt on or just asking someone to act for them for the collections. Does this mean they are likely gearing up for a CCJ?

acting for them at this stage, usual procedure from them. 2003 application form = no doubt was a foldover application with no terms and conditions present on inception, they would arrive later with a card, therefore possibly unenforceable>???

they no doubt later if the situation is the same = non payment then start default notices and termination then they would no doubt sale the account to some Debt purchaser (Lowells) for pennies in the pound read other capital one threads and get the idea of the way they work.

what they sent you was small paper with top left hand side your name and address only?

start another thread

scan it up

what they sent you was small paper with top left hand side your name and address only?

It was a single piece of paper. A copy of the application form, with my salary and signature and their signature. a small box at the bottom with CCA 1974 points on the bottom section. I will start new threads for all soon.

It was a single piece of paper. A copy of the application form, with my salary and signature and their signature. a small box at the bottom with CCA 1974 points on the bottom section. I will start new threads for all soon.

not compliant Not even as a reconstituted agreement.

Sounds good renegradeimp

Received a letter from PRA Group today offering a 10% discount to settle my account in full (for an old MBNA account).

generous are they not? begging at this stage!

I have a question, today I received a letter from Capital One stating that the DCA who were acting on behalf of Capital One returned the debt to Capital One and will now be managed by Capital One.

What does this mean, why would the DCA return the debt?

I have a question, today I received a letter from Capital One stating that the DCA who were acting on behalf of Capital One returned the debt to Capital One and will now be managed by Capital One.

 

What does this mean, why would the DCA return the debt?

Many reasons...not financially viable to chase.....something wrong with the paperwork......or Crarp 1 requested its return.

Andy

put simply they know that they have been rumbled as paper tigers

Does that mean that the DCA (IDEM) did not purchase the debt, perhaps acting on commission instead?

Cap One might then try selling it on instead to another DCA?

Not sure if Cap On do CCJs?

(although this pre 2007 debt looks unenforceable to me)

Does that mean that the DCA (IDEM) did not purchase the debt, perhaps acting on commission instead? Correct Cap One might then try selling it on instead to another DCA? Possibly Not sure if Cap On do CCJs? Only through a DCA after assignment (although this pre 2007 debt looks unenforceable to me)

Andy

Received a letter from Robinson Way offering me a discount of 25% on a debt, followed by a letter 2 weeks later offering me a 49% discount on the same debt. (£1,100)

Would it be in my interest to bargain with them further or should I ignore?

Totally ignore. Discounts like that 99.99% of the time mean the debts unenforceable. Especially with robbers way.

noway totally ignore

IDEM have instructed Wescot to act on their behalf for one of my debts (MBNA). Not sure if this means they are selling it or not. Should I reissue a CCA Request to Wescot now?

collectors not sold to , wetcloths opps wescott

IDEM have instructed Wescot to act on their behalf for one of my debts (MBNA). Not sure if this means they are selling it or not. Should I reissue a CCA Request to Wescot now?

Not if you have already sent IDEM one...Wescot do not buy debts...just chase.