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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
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MBNA loan and cc sold to Capquest, who are offering a 'discount


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Hi, long time member,

(but been away for a while so name changed a bit, hoping admin can sort old ID out soon) .

 

 

A family member has received a nice green letter from Capquest concerning an old MBNA debt for approx £1400.

There is an offer of discount of approx 75%.

 

 

Now, family member has said that he doesnt recall last payment but must be well over 6 years by now.

Ive advised that he should get his credit ref file ( I personally hate these organisations, but thats another battle) to see whats on there, just in case it shows anything up.

 

My instinct is to sit on the letter, the only trouble is, hes living with partner at their parents house.

 

 

should they do anything more than ive advised at this stage.

They were going to sent a statute barred letter out,

but we need to know for sure first,

otherwise we could shoot ourselves in the foot.

 

considering this nice offer,

suggests to me that its a straw clutch and we can expect a couple more letters before we need to do anything further.

thanks for any ideas, ( its kind of good to be back )

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Hi,

 

If they are offering a discount, then there is definitely something wrong, my guess is that there's no paperwork.

 

Agreed check the CRF first, doubt it'll flag anything up, but a 75% discount is sounding alarm bells here.

 

Sit on it, check CRF, then either ignore, or fire off the SB letter, depends on whether they want to enter into letter ping pong?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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have they moved since taking out the credit

and cabot have simply sent this as a phishing letter to the new address?

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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PS what was you old username?

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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bazaar user-offline.png

 

 

if it was welcome back OM

 

 

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

hi ya

i'll get them merged for you to the new password?

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 they need to write and inform them of the new address

else cabot will go for a backdoor CCJ

CCA request p'haps

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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right,

theyve checked credit report,

nothing showing on there at all,

so def a fisher.

 

 

on the address side,

family live at old address,

so think that will be covered in case of backdoor tricks.

 

 

I always think cca once capquest or any dca put more effort in.

I may be wrong, but it invites them to come and play letter ping pong early in the game.

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if there good mail from the other address then

totally ignore yes

always my way no letter tennis

 

 

bar a claimform ofcourse!!

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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