Thank you for your help and advice. I'll send one of the template letters to them after I've personalised it to them

UPDATE - They have just sent this text to me in an email:

XXXXXXXX,

Your DEFAULT NOTICE expired on 05/12/13. You now have 14 days before we issue notice of your impending CCJ and ATTACHMENT OF EARNINGS ORDER whereby XXXXXXXXXXXXXXXXXX would be ordered to pay us direct by the COUNTY COURT.

Not arranging to repay the money you borrowed will force this course of action to be followed whereby you will end up repaying the money borrowed, plus interest, plus court costs.

Contact me now to avoid all this.

Regards,

XXXXXX @ Quidmarket

Hey guys,

I have a payday loan with Quidmarket which I defaulted on several months ago. I've recently started a DMP with Payplan and have done the following:

• I've informed QuidMarket about the DMP
  
• I've requested in writing, via email, that they do not call me at work
  
• I've advised them on several occassions that everything must be in writing as I have learning disabilities and struggle to remember things
  

However they are constantly calling me at work....today for example they have tried 3 times in the past hour despite me repeatedly saying that they cannot contact me at work as personal calls are not allowed.

Can someone please help as I'm going to lose my job if this continues

Thanks

Katpuss

Thanks for the advice but I really just want to get them paid off as soon as possible. I can pay half this month and then half next month as I am on a pretty good wage.

Hello everyone,

Ok here goes.....I am currently on a DMP with the CCCS (has been nearly 4 years now) and I was doing really well with it......then some eegit decided to access my Microsoft Xbox account and left me with little money to live on (debit card was linked to it). I panicked (I have OCD) and I now owe the amounts below to various payday loan companies:

£400 - Payday Express

£299 - Wonga

£125 - Minicredit

Total = £824

I've now stopped and will not take out anymore! I believe that I can get out of this mess with this option which I currently have access to:

27th April - Pay Wonga back in full, Payday Express is already extended until May payday and Minicredit is due at the end of May anyway

25th May - Pay Payday Express in full and extend minicredit until end of June

I will just about be able to cover the above plan and will still have money to live on. My husband is fully aware of the situation but should I tell the CCCS? I feel really guilty.

Thanks x

Hi,

Am on a CCCS DMP and paying all my debts with them so when a letter from Lowell's arrived out of the blue the alarm bells started ringing.

After speaking to Lowell on the phone (stupid I know) I got this information from them:

The account was opened with Redcats on 3rd September 2004

The account was opened at 10 Mickey Mouse Street on 3rd September 2004

There is currently £175.06 owed from catalogue orders

And my answers the above were:

I haven't ever opened an account with Redcats

I didn't move into 10 Mickey Mouse Street until 9th October 2004

Debt is now statute barred

Anyway they are now thretening legal action, bailiffs, court judgements etc etc etc.................

I spoke to the CCCS and they told me that as Lowell's couldn't provide the original CCA that the debt isn't enforceable.

Has anyone else had this kind of problem? Any advice on how to deal with this?

Thanks

Katpuss

Hi guys,

Took a Empire Stores catalogue out nearly 7 years ago, ordering some items and made a couple of payments until I got into financial difficulties.

I am now on a DMP with the Consumer Credit Counselling Service and did not add this debt as in between moving lost all details.

Anyway Redcats (DCA) sent me a letter, I called them and the guy told me that the debt was taken out in September 2004 at "123 Mickey Mouse Street". Things is I didn't start living at "Mickey Mouse Street" until October 2004 so I know this is incorrect.

The Redcats guy then proceeded to tell me that there had never been any payments on the account, which again is incorrect.

I have a feeling that this debt may be statute barred?

Any advice?

Thanks

Hi guys,

I've recently been contacted by Mackenzie Hall Debt Collectors who are acting on behalf of Provident Personal Credit for a debt of £205.00.

I remember taking out a loan with Provident about 4 years ago but am sure that I paid it all off. Unfortunately I don't have evidence of this having moved address last year.

Anyway they are chasing me for this money and I have asked for evidence that the debt is stillowing and all they keep doing is sending me letters stating the amount outstanding and threatening various course of action.

Can I CCA them as I remember signing an agreement? Or is is different as this was a "doorstep loan"?

Thanks

Katpuss

Hi guys,

Had to start another thread.

Had a credit card with Vanquis, fell behind and cut the card up. I've now added them to my DMP with the CCCS. I've told them that they will get their payments monthly.

They are killing me with charges:

£12 Late Payment

£12 Missed Payment

£12 Overlimit Fee

They are putting these on every month.

Please help

Thanks

Katpuss

Hi guys,

I have a debt with Capital One for a credit card, I fell behind with the payments and they heanded the debt to their in house DCA, Impact Collections. I have now added them to my Debt Management Plan with the CCCS so that I can pay them what I can afford and I have cut the card up.

They are calling me non stop every day, won't listen to me, I've told them that they're on the DMP and they just ignore me. It's really getting to me!

On top of all that they are charging me £24 per month for missed payment and overlimit fee and the balance keeps growing and growing.

Can anyone help or advise please?

Thanks

Katpuss

They can only apply for an attachment of earnings/bankruptcy petition/bailiffs warrant if you default on a payment set by the court.

Hi guys,

Have a debt with Simply Be, fell into arrears with payments so I was transferred to Reliable Collections (in house DCA I think).

Anyway wasn't able to keep up further payments even though I paid the £20 per month that they wanted.

They then asked if I wanted to consolidate my debts with a loan which would also leave me with some spare money!

I told them that I was on a DMP with the CCCS (paying considerable less per month than a loan would cost) and they still tried to get me to take a loan!

I'm already deep in debt and don't want to get into any more!

How can Reliable act like this and is it legal? I've never come across anything like this before!

Thanks

Katpuss

Put the account into dispute and they have to cease any letters/phonecalls.

The Land Registry Land Registry - Land Registry will give information such as price paid for property, property prices now, mortgage lender etc.

Thanks

Is this debt now with Capquest?

Hi Saffy, which DMC are you with?

I doubt very much that they wil go to court, because as you say the debt isn't yours then how that they obtain a CCJ against you.

They won't take you to court, it's just a general threat. I used to get regular threatograms from Lowells/Red and nothing ever came of them.

As the account is now in dispute I would sit back and wait for their response.

In this case I wouldn't call Lowell/Red Hamptons (all the same company).

It sounds like all bark and not bite to me.

I didn't know you could search the land registry, is it classed as a public record?

Sorry jdes26, appreciate you might be wound up but can you please refrain from swearing in your posts, thanks

Can I just say thankyou to all that have responded to my questions. It was good to hear comments for different posters and I have learnt a bit more about debts and debt collection.

Whilst I don't agree with all I appreciate the time people have taken to respond and there are some good points that people have made.

Thanks

Katpuss

1. In very few cases does anyone actually owe a debt. They may owe part of a debt, even most of a debt, but you show me one single case where somebody genuinely owes the whole amount that they are being asked for (If "asked for" is the right word). Show me one case where some kind of preposterous charge or exorbitant interest hasn't been added.

 

Okay, so let's rephrase the question. Why don't they pay the part of the debt that they owe?

 

Also, I think you will find that the majority of people have some degree of moral indignation. Once they have been subjected to harassment and abuse over a certain length of time, they believe that morally the alleged debt has been wiped out. If they can "wipe it out" in the real world, they will do.

 

I agree that the majority so have moral indignation. I have morals and even though I've been abused by some of my DCA companies I still pay what I owe so that morally I don't feel guilty for not paying up.

 

Again, the Consumer Credit Act 1974 is a loathsome piece of legislation which gives the borrower very few rights. Debt collection leeches only exist because Parliament gave creditors the right to sell off the accounts that THEY made a bad lending choice on, to some unknown pond **** that the debtor has never voluntarily entered into any relationship with. I think once an alleged debt has been sold on to a third party with whom the borrower has no voluntary relationship, any sense of "ownership" or "responsibility" goes out of the window.

 

Again I don't see why people shouldn'y pay what they owe. You wouldn't go into a shop and take something without paying, that would be theft. So why spend the money, say, on a credit card and then not pay it back?

 

Why don't the lenders "take ownership" for their lending choices, and work with borrowers to try to solve the problem in the best way possible like grown adults, instead of behaving like savages and making the taxpayer pay for their mistakes?

 

What I am commenting on especially are the people who stick their heads in the sand and hope that the debts will go away. Communication with the companies is the best thing to do. The CCCS advise debtors to communicated to ensure that the creditor/DCA knows what is happening.

I also believe that the taxpayer (me included) is paying for mistakes becauses debts aren't paid and costs are going up.

 

Of course, if the Consumer Credit Act 1974 was an obscenity, the 2006 amendments have taken this to the most ridiculous of extremes. Anyone who borrows any money for any reason now is a lunatic. Whatever minuscule rights the consumer had three years ago are long gone now.

 

I do agree on this one.

 

2. Who gave these sick idiots the right to interfere with someone's private telephone line? I PAY MONEY for the right to use a telephone line to make and receive PRIVATE telephone calls. If a commercial organization of any kind violates that right, they are being rather more than "rude", and deserve everything they get in return.

 

Why lower yourself to be rude responding to a DCA/creditor?

 

If the idiots who administer the law in this country had the slightest concern for the populace which elected them, it would be a criminal offence to make ANY commercial telephone call to a private number unless the registered owner of that number has given written permission. That is exactly what happens with email, and often we don't even pay for email accounts.

 

In the real world would this ever happen? Commercial organisations make marketing calls, calls to customers etc etc

 

3. Because the so called regulatory authorities are run by a government which is 100% corrupt, cares absolutely nothing for the populace which elected it and to which it owes a responsibility, and because it rather likes the back-handers it takes from corporate finance to skew the law in its favour.

 

4. Because they are idiots or because they just don't care, probably both.

 

Lol! :lol:

 

SH

Some good points.

Yes, as the debtor worked funny hours, he gave me and that member full permission to deal with the account should he not be available.

Thanks for explaining as that wasn't mentioned in your post.

Holy S*** that aint on.

 

The worst ive said on the phone is its important he/she contacts me direct within the next x days .

 

One example, a good payer was made unemployed. to keep his account i needed token payments. I had to ring him , knock on his door around 6 times between contact. His family member was aware of our business, and i simply told her, its not the amount he pays me, its the lack of communication. Maybe he thought id take his goods if he said he couldnt pay me. as it happens he is working and paying and probably wont ignore my calls next time!!

Surely you should not be discussing this guys account/communication regarding the account with his family member?

History of our cases. Some 3 months ago my partner & I both started receiving letters from Cabot. At first we just binned them as junk mail as we had never heard of Cabot and the letters never stated what they were for and just to contact them. Then we received more letters saying our accounts were overdue ? what accounts we thought !.

 

On receiving these letters we phoned them and we were informed there were outstanding balances on credit cards from 2001 to 2005 to the value of £150 & £700. The credit cards they stated we had never held or on one never heard of .We advised Cabot of this & said it must be fraud.

Cabot advised that we put it in writing and sign the letters for comparison with any contract . On the £700 account they had already passed it to a company called CCS Collect.?

 

Some of these debts will be statute barred especially the ones that date back to 2001 so ignore them.

 

I wrote a letter ref the £150 account and they replied thay were passing the details onto the original card company and we should wait 21 to 30 days for a response. We are waiting the results with optimism.

On the £700 account we get bombarded with phone calls from CCS who keep threatening a visit ? We have advised them that no cards under the companies they state have ever been held by us but they continue their harrasment,

 

Do you have anything in writing stating that the cards have never been held by you?

 

I have sat and written two more letters , one to Cabot and one to CCS following the guidlines here with regards to adviseing them of knowing nothing of their demands.

Even when ive spoken on the phone to Cabot they still ask if I want to make a payment, and when I last spoke to CCS after numerous times of them phoneing I informed them that I had never ever had these cards, and come to it I have never in my life had ANY credit cards. Thats how I know the debts are not mine. I asked them to stop ringing and if they want to communicate to do it by letter. The response I got was, " You think you are clever " then they put the phone down.

 

You can send them a harrassment letter asking that they do not call you as the debts are not yours.

 

I still can not believe how they can do this and get away with it, do the legal bodies that put the guidelines down really make any difference I wonder. Any suggestions on any of this ?. I did tell both companies I would go to the police but they just said it would not make any difference as it is a civil matter. when I here anything else I will add it to this thread.

This could be a case of identity fraud which you should take up with some legal advice.

Debt purchasing is a risk. Especially if you are buying debts, but not checking that the paperwork is in order, so that if the debtor tells you to bugger off, you cannot actually take them to court anyway.

 

Remember, when you have defaulted, the bank claws back every penny from the tax man, so they do not actually make any financial loss.

 

They then sell the debt, they have been paid for by the taxman to a debt collection agency.

 

The DCA is then attempting to collect on a debt that has been compensated for via the tax man. Its legalised Tax fraud at the very least.

 

Take a look at some of the threads, at the threats, and actions that some of these DCA's make and do on a daily basis, including paperwork made to look like court paperwork, abuse of the insolvency processes, attempting to secure default CCJ judgements by intentionally using older addresses..... If you experienced that would you REALLY pay up if you discovered they had no way to legally make you pay?

 

I've been threatened and sent dodgy paperwork by some of my DCA companies but because I owe the money I am paying them through my DMP.

 

One has a moral obligation to pay back a family member or friend. A bank? they took a risk and lost, just like they have done with our money, and triggered a world wide credit crisis........... Our actions cause a bank to erm, not actually lose anything. Their actions have put millions out of work, and destroyed entire companies.

 

Surely unpaid debts means rising costs for the consumer such as interest, bank charges etc?

 

So they cannot really take the moral high ground

Some do try to take the moral highground but surely if they try to work with you to obtain a payment solution isn't this the best way?

Cap One have now stopped calling after I threatened them ( on the phone ) with further legal action on the terms of harassment.

Thanks for your advice.