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Posts posted by Dibsthefrenchie

  1. I can't help but feel that DCA's are using the system of T1 searches as a form of blackmail, they start searching the credit file once the default drops off and seem to be continue very frequently, until of course the debt is paid.

    Clearly they feel justified in this behaviour, but I feel that it is an abuse of the system that Equifax welcome.

    Apologies to AndreaMc for hijacking your thread.

  2. I notice from 3 three consecutive searches on my credit file, that Cabot have added yet another company title and are now Cabot Credit Management.

    The printers must love all the stationery changes, personally i'm quite fed up with them constantly searching my credit file and having to raise disputes to get them removed, but 3 searches in one day is excessive, even by their standards!

  3. Thank you for your reply Shadow.

    Capital 1 state that the debt was sold to RW, but in all the begging letters received from RW they state that they are writing on behalf of their client, so it's all a little misleading.

    I have noticed on the legal subforum that RW are taking these old non paying C1 accounts to court, or instructing another DCA to do it for them, therefore, I am trying to preempt their next move!

  4. I had been making token monthly payments to another dca when I decided to request a copy of the agreement and also sent a SAR to Capital 1,

    the account was promptly returned to Capital 1.


    Capital 1 then allegedly sold it to Robinson Way during 2008,

    I have never made a payment to Robinson Way, but did request a copy of the agreement,

    they sent a copy of my application form, which they state is enforceable, this wrangling has gone since 2008 and has simply resulted in the death of several trees.


    There are penalty charges on this account, but they are over six years old.

    I am in receipt of weekly threatening letters from Robinson Way and really don't know what to do next?

  5. I would value another opinion on what to do next and will give a brief history to outline the major points.

    It is in regard to an old account that originated with a People's Credit Card, that was taken over by Citibank, I believe that this account was sold to a DCA during 2002, but I have not received written proof.


    2002 DCA purchased account balance of £2885

    2005-2007 Token payments made

    2007 CCA requested

    2007 Account collection on hold

    2011 Letter received demanding payment

    2011 Reconstituted agreement received

    2011 Interest has accrued from 2007-2011, balance now just over £7000


    The letter accompanying the generic agreement and t&c's states; "that the reconstituted agreement complies with section 77/78 of the CCA and is a true copy, enforcement means that we are able to obtain a CCJ against you."


    I sent a CPUTR 2008 request and their response states; "I can confirm that we have been unable to obtain a copy of your original signed agreement, however, the reconstituted agreement fulfills our obligations and we intend to initiate legal proceedings."


    It is my intention to SAR Citibank and see exactly what they do hold, I do not recollect a signed agreement and as it would appear, there is not one available, so how can they prove that it is a true copy?


    I am not attempting debt avoidance, the CCA request was made to buy me time, due to being unemployed, but I have no intention of paying the inflated amount that they are now demanding.


    Any advice would be appreciated.

  6. I have checked through the correspondence received from the DCA and Experian (not Equifax), having contacted them both regarding the DCA obtaining ex-directory numbers.

    They obtained my numbers through a system called ECAPS provided by Experian, to quote, "The information provided on credit applications is stored on the datatbase and is shared with other organisations, the consumer section of Experian does not have access to this information as the perspective lender does not submit the contact details to the credit file."

    I do not use my home telephone number on any applications, only a PAYG mobile number that is not used for any other calls.

    Hope that helps.


  7. Thank you for your help with this Bazooka Boo, it is appreciated and you have prompted me to dig out all the paperwork, (tons of threats and offers), on this account and look at it again, but I just can't find anything that would provide me with a defence.


    It was a purchase with credit from Comet, the finance was provided by Time Retail Finance and I had two loan plans with them repayable over 60 months.


    I sent an SAR to Time and checked through the statements for any charges added, they amounted to £44, there is no PPI on the account.


    AK purchased the debt late 2003, I then made payments totalling £720, found CAG and requested a copy of the CCA, the agreement is in order, the only paperwork missing is the NoA, they have never sent that, so will chase that up again.


    I also requested a statement in 2007, which provided a summary of the payments made, I also receieved a statement in 2009, but have not received any since then.

    The total amount paid to AK since they purchased the debt is £1150 and there is just short of £5000 still outstanding.


    They have made endless threats of adding all accruing interest charges and taking court action, whenever a payment is a couple of days late reaching them.

  8. It's no longer on my CRF and I haven't received any statements.


    I am quite tempted to follow your suggestion Bazooka Boo, however, is there anything to prevent them taking court action for the almost 5k+ that's still outstanding and what possible defence could I have?

  9. Hi Havinastella, AK started chasing this debt in 2004 and I have been making token payments ever since.

    I requested the agreement and that has all the correct t&c's, there is no ppi and AK are not adding interest or charges at the moment, but it will take approximately 37 years to repay the whole amount at the current rate!


  10. Thank you for the replies, I just needed to vent my frustration!

    I am sure that they have already recouped more than they originally paid for the debt, but the idea of reducing the payments is a good suggestion.

    I'm looking forward to their reply to my letter, not that I expect them to concede the point or even accept my offer, but the explanantion should be interesting.

  11. I have made a full and final offer to AK, my offer crossed with a special offer settlement letter from them, which was just over £300 more than my offer.

    It was more than I can afford, so I waited for their reply and hoped they would accept my offer, but no, they actually wanted 3x the amount stated in their offer sent out a couple of days earlier and stated that they believed it was a fair amount for a full & final, they are flippin greedy!!

    I have replied to their letter, but it looks as though I will simply have to continue making token payments, for the rest of my life :-(

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