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  1. You are being fobbed off and only a court summons will make them pay. They would settle before court. However, you do need to do your homework. Even a cracked window means they would not have to pay. Unless you intend to call their bluff you need to show they are lieing. You would need a record of of actual flight times for that aircraft on that day. You would then see where the delay started and need to show some other reason for that delay. I read on the web recently that all this is normal practice for airlines to get out of paying, including Monarch. You will get nothing without taking out a court claim. A good situation for you would be if your flight was the first flight that day. You would then claim they should have fixed it overnight.
  2. When a debt is passed on they are often not aware of a ccj so if it is passed on again don't remind them.
  3. Never ever pay a dca by direct debit. It gives them licence to increase payments without further consent or even empty your account. This has happened many times on here. Always use standing order if paying from a bank account.
  4. Could your debts be statute barred ? Need a bit more info. Last payment, what is the debt for etc.
  5. If you were ordered to pay maintenance for a daughter it still stands if she goes abroad, unless YOU apply to stop it.
  6. Read the judgement. If interest is not mentioned they are trying it on. Your only liability is on the CCJ, if interest is not stated it is not allowed.
  7. I strongly suspect that equita were only acting as a DCA. Check with the council. and find out the state of this parking fine. Certainly get a recharge from your bank on the grounds of deception if that is the case. In any case you are vulnerable and should get the recharge anyway.
  8. A F&F will not clear his credit file. CRA entries stay there for 6 years and even if marked partially settled it would still be there. F&F are a minefield and should be done only with the correct safeguards. It is common for the debt to resurface so be sure to follow the correct guidelines. Do some research on here and you'll see what I mean.
  9. I think you may be out of your depth here. In order to help you need all the facts and better still you could get your pal to come on here. I can see you are trying to help but without all the info it would be difficult. Your friend needs sound advice so it is no good guessing some of the facts.
  10. It needs a new government bill ensuring that before a debt can be sold it should be offered to the debtor at the same price. Fat chance.
  11. I will never be convinced that dca's get no info when certain people get cra reports. I know several whose debts were dormant until getting a report then they were swamped, by several dca's for different debts. No way is it just coincidence. This will never be proved as they won't admit it.
  12. Leave well alone. I am sure most dca's get print outs from the cra's showing who has had reports. If you don't believe me try it. I guarantee you will get pestered.
  13. Now you know, and so does everyone else, that F&F settlements can be a minefield. Even more so if a DCA is involved.
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