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    • The Barclay Card conditions is complete. There was only 3 pages. This had old address on. Full CCA. 15 pages. The only personal info is my name and address. Current Address The rest just like a generic document.  Barclays CCA 260424.pdf
    • An update to this case as I’ve not been on in a while.    I am still awaiting a charging decision in the case. The two police officers involved have said their personal belief is a section 47 ABH charge is the most likely outcome but this isn’t a sure thing of course.    The EA certificate from the issuing court has now lapsed. The court have refused to recertify him until they’ve had a hearing in to the case, and the district judge has issued orders to surrender all evidence, footage, photos etc.    I have done so promptly.    the EA, not so much . Equita have claimed they cannot provide his bodycam footage as the camera he was wearing is the EA personal one not one of theirs.   the EA has claimed he has asked Equita and the police for the footage as he claims he doesn’t have it.    the police have confirmed they didn’t seize his camera and they don’t have it.    so they are basically pointing the finger at each other all the while failing to comply with the district judges order to provide all evidence they intend to rely on at the rescheduled hearing.    The district judge has stated the hearing for his certification will NOT be the hearing for my complaint as there is no charge as of yet, and just as to whether he should be recertified or not.    I’m not 100% on why that can’t be done at the time, but I’m not about to question a judge…..      
    • Thanks FTMDave, I like the cut of your jib - I'll go with that and obtain proof of postage. Encouraging that NPE have never followed through and seem to blowing hot air, let's see where they go after this   Regards
    • Please see my comments in orange within your post.
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Trying to get out of trouble!


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I'm finally starting to get my credit file looking better but I now feel I may need to start a DMP.

 

I can probably just about pay bills + debts but I'm struggling and in Feb I *may* be going to uni so my income will reduce to about half.

 

I pay the household bills through my bank account and my OH pays me his share. How would I work that into a DMP? Would I ignore his money and budget only my half of everything etc?

 

My debts are:

Natwest loan - £5000

Credit Union loan - £1550 (paid through wage so isn't an issue yet)

Avant loan - £1900

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tell us about the debts 1st please

 

are these still with the original creditors or with DCA's

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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use the offer letters in the DCA section of our library

the one that says please freeze all interest and charges etc

offer them a reduced PCM figure

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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  • 4 months later...

I'm off to uni in Feb 2018 to study nursing and I'll be there for 45 weeks of the year.

 

My plan was to stay at work for 23 hrs (2 shifts) a week but that isn't looking possible if I need to be in uni 4-5 days a week.

 

I can't survive on just the loan alone so I do need to work, therefore I will stay on the bank and work as much as I can.

 

I have 6 low balance / credit high Apr credit cards that I'm hoping to clear before I start.

 

My issue is with my loans / overdraft.

 

I have:

Natwest loan @ 4500 (189 per month)

Natwest overdraft @1250 (a student account so no fees)

Credit union loan @ 1250 (120 per month)

JD Williams @1600 (55 a month but should be more)

 

I'm thinking my only option is to default but scared of ccjs. Anyone go advice or experience with these companies?

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original creditor don't take people to court.

 

pers id be getting ALL your income out of natwests hands as they could legally offset.

 

open a parachute account and get your income/student loan paid in elsewhere.

 

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

not what you say in post 2?

 

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

I don't start uni till Feb 2018 so don't have my loan yet.

 

I convert to a student account so I wouldn't be charge for my overdraft.nothing goes in or out of it at present.

 

I am trying to find out what my best option would be come Feb. I'm looking at just defaulting but would like to know if any would go for a ccj even though I rent.

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so as post 3 then.

 

whats renting got to do with a CCJ?

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

oc's don't do ccj's theyll sell it on first

cant see it being an issue that quick

but wont a default hurt you too?

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

So I've started the ball rolling:

 

1) Emailed my credit union to see if they can refinance my loan to half from £120 to £60 a month, I have just over £1k left to pay off.

2) Cancelled my Natwest Loan DD and plan to pay them £50 this month.

3) Worked out budget til March 2018 when my credit cards will be paid off.

4) Contacted Payplan to start a DMP.

 

What I still need to do:

 

1) Contact creditors to let them know I am entering a DMP.

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why bother...

they soon findout!!!

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

  • 3 weeks later...

So Natwest are deciding to be difficult.

The details Payplan gave them aren't the same as they have for me (not true)

so won't give Payplan up to date balances etc,

they want to me to go into a branch to sort it out

- no chance!

 

Think I am just going to write them a letter,

the reason I'm using Payplan is so I don't have to deal with my creditors and all the stress/pressure etc

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That's a pretty big assumption, that L/Ls aren't much concerned about defaults. Given that OP is thinking of defaulting on all his credit cards/overdrafts in one go many L/Ls might be very hesitant about having him as a tenant.

 

Generalising about what L/Ls think of defaults wasn't really my point though. OP appears to be under the impression (post #10) that rental credit checks wouldn't show defaults so L/Ls wouldn't know if he defaults them all now. But that's not correct.

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It's not an assumption.

 

Generalising yourself does not help either

- I have been in the same situation and had defaults and renting was not a problem with 9 out of 10 agents.

 

Also I never said that letting agents don't see defaults, just that it's not their main concern.

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  • 2 weeks later...

Letting agents are not financial institutions so therefore only see public information

they can not see your account history.

Getting a mortgage on the other hand is almost impossible.

 

So I've made my first DMP payment.

 

Very have passed it to their in house DCA but still sent me my monthly statement

JD Williams are just reminding me I've overdue for a payment

Natwest nothing so far they have only added my monthly interest.

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