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Full and final settlement - can I still offer?


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why?

what are the debts please?

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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More infobplease. You should always think hard about a debt owed to a dca. Very rarely they're ever enforceable

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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More infobplease. You should always think hard about a debt owed to a dca. Very rarely they're ever enforceable

 

The debt to Studio I have been paying for about 2 years at £50 per month. There is a balance of about £550

 

The Barclaycard debt I have been repaying at £25 per month for about 10 months. The balance is about the same.

 

They both appear on my credit report. I just want rid of them now, I have a chance to knock a hole in both.

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Are you sure the debt balances are fair and accurate ?

 

If not, get hold of statements from studio and Barclaycard.

Also ask the DCA's for statements of what you have paid them.

 

Perhaps charges and interest applied are unfair or wrong ?

 

You don't want to be handing more cash over, before you have investigated what you owed originally was fair/correct and the repayments are therefore fair/correct.

We could do with some help from you.

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Actually I have started an irresponsible lending complaint against Studio.

I have had several cases upheld by the FOS recently which date to the same time as this so I may just hang fire against them and keep paying off.

I made an SAR to Studio who haven't sent it to me within the timescale they said they would. Still waiting.

 

Barclaycard I was just paying the minimum payment each month by DD but it was over limit and the charges piled up.

I stopped paying to make it go into default and prevent interest and charges accruing further.

Stupidly I ignored their letters and they did reduce the balance but I continued to ignore until it went to a DCA.

I think they still own the debt.

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I would.have sent a cca request. I've a very strong suspicion you're being cash cowed hard.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Send each dca you are paying a cca request

 

Never blindly pay a dca

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

we haven't said stop paying...yet!!

but if they don't hold enforceable paperwork..then you are being cash cowed.

 

throw the morality card out the window

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

Cash cowed means you are willingly giving them money for no reason.

Just because you morally owe it doesnt mean you legally do.

 

DCA's buy debts for 10p in the pound and then try and chase you for the full amount. T

hey rarely have the paperwork needed to enforce the debt and they do NOT care about law or regulation.

They will do anything to get money from you.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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In terms of what?

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 would expect your debts are already defaulted and/or not showing now anyway?

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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If cabot have the account CCA them asap.

They dont chase enforceable accounts.

They are bottom feeders.

 

Which DCA do you pay for the barclaycard?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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A debt is removed from your file on the defaults 6th birthday paid or not paying or not

Makes no diff

Once its gone it cant return

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

Bet its link or robbersway for hoist

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

Moorcroft dont buy debts. Pay barclay card direct . Not their pet sheep who try and add on charges.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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