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About smt37

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  1. Whether the OC says it's legitimate or not is irrelevant. I've done this, taken Barclaycard to court and the court ordered the disclosure of the original document. At this point, they sent me the wrong agreement and since I have not paid them a penny. I could seek an injunction, but as I know they haven't got the original signed copy, then the court is [unlikely] to enforce the debt if they try to seek an enforcement order. I'm taking my chances that they won't bother seeking enforcement. If they do, the judge is going to take a very dim view if the disclosure docs include the origina
  2. I was waiting until now. Right now, I'm writing letters to the legitimate creditors to offer full and final settlements (they have been very fair to me). The rest I'm stopping payment and asking them to seek enforcement of the debt through the courts as I would prefer the courts to decide if the agreements are enforceable and if they decide that they are, I will be happy to settle the 'alleged' debt. I'll start new threads for the others and will update all with Barclaycards response in due course.
  3. If I change the methodology, then of course the ones that were not complaining will start to complain because they will get less. They were getting too much... The CCCS did this, not me. I questioned it a few times, but they fobbed me off saying that their computers calculated it in a way to pay the debt off quicker.... Something to do with contractual interest and non-revolving credit via loans compared to credit cards. Their view was that if a credit card company was prepared to lend cash and accept a 3% minimum payment amount so that it would take 25 years to pay off a large bal
  4. I disagree. Did you work through my example above? The CCCS do not consider the total amount of debt at all. They only consider what was originally meant to be paid. Let's say I was paying £100 to two creditors and one was getting £10 a month for a debt of £2,000 and the other was getting £90 a month for a debt worth £180. If I lost my job and could only afford to pay £10 a month, according to the CCCS, the one that was getting £10 a month would only get £1 a month and the one that was getting £90 a month would only get £9 a month - regardless of the amount outstanding. So assumi
  5. Thanks, but it seems I wasn't clear enough. What I am saying is that the CCCS do not calculate the pro-rated payments like the rest of the world... They calculate the payments as an equal portion of the original contractual amount payable each month. Now I've taken over from them, I've used the same methodology as they did, otherwise it wouldn't be equitable. Now some are complaining, although it was good enough for them for 3 years, so why isn't it now?
  6. I wonder if anyone can help: I've been on a DMP for nearly 3 years with the CCCS and about 5 months ago took over the plan myself because the CCCS refused to stop paying a couple of creditors when they started being difficult and didn't have any paperwork and eventually sold the disputed debts on (in the middle of an FOS investigation). That's another story, but anyway... my circumstances changed a little bit - basically, my outgoings increased (council tax, utilities etc.) leaving me about £30 a month less than I had before, so I wrote to all the creditors and explained that my income w
  7. My point is... I'm a will pay. I borrowed the money and they lent it to me with proper legal documentation which they kept and promptly sent me copies of originals (signed) when I asked for them. Fair enough. I spent it, got into trouble, couldn't pay, and they were accommodating. The least I can do from a moral standpoint is pay back everything I borrowed - especially as they also froze the interest charges and have effectively given me an interest free loan for the last 3 years. If the account has been passed to a DCA, or I have been treated unfairly, then that's a different stor
  8. The XXXX is your local court which handles bankruptcy hearings. Check at www.hmcourts-service.gov.uk. Click on 'Court Information and Addresses' and look up your nearest County Court. In the 'work type' box, you are looking for Bankruptcy.
  9. I've not done anything with this. At the moment, if I lose a case and cannot pay, then I'll get a CCJ and lose my job - not something I can afford to do!!! However, next year, I am coming into some money. Those creditors who have a properly executed agreement with all the prescribed terms on will be paid in full immediately. Those that have been messing me about will get nothing and will be invited to take me to court to enforce payment. I can't be bothered at the moment in seeking an injunction. I would rather let them waste their time for a while and stringing them along. I'm conf
  10. I'm not sure why you're on an IVA with just £3k of debt - or £5k as it is now. Sounds like you have been ill advised. My advice is to call CCCS or another free service and ask them for advice. It may be that you should come off the IVA and go onto a DMP and the CCCS would be able to stop or reduce most interest charges.
  11. OMG - I'm loving this. It's about time someone exposed them for what they are. Shame on the OFT too. I hope they are embarrassed. For those who are visiting for the first time, then help is at hand. EVERYONE on here wants people to know their legal rights and challange the DCAs. If you have a problem with Marlin or any other DCA, start a new thread. People are here, online now, waiting to help.
  12. Hi PT! Welcome back. See post 240 above. It explains where I am now. Basically, they have not got the agreement for the debt in dispute, but can only find an old one, which was settled in 2003/4.
  13. Hi Slick, Yes. It was very useful, but I've no idea how to fill in the N1 or how much it costs when there is no claim for cash... Where can I find this out?
  14. In this case, if I decided to stop paying those creditors that have no CCA, then I should be prepared to settle in full within 30 days if a judge ruled against me for whatever reason. I had better get the cash together then. Roll on next March. This is when I'll be in a position to do this after 3 years of a DMP!!!
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