God these people seem worse than lowlife dcas . Someone should email them and tell them they will wait in for their dorstep collector but will charge a fee of £100 a day over the 7 day window .

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If the debt just happens not to be SB but pretty close wouldnt it be an idea to challenge everything , requesting paperwork etc never actually admitting the debt and dragging it out till it is SB,d ?

Capquest took me to court , unfortunately for them it was the wrong one . Result debt cleared and marked as paid. If you do recieve papers from the bulk center just sit back and let them go ahead

Hi all this will prob be a slow moving thread . I never respond to empty threats from DCAs preferring only to get serious when they do the same hence this thread might drag on forever as DCAs can rarely be taken seriously. There is also a probability this is in the wrong area , if so please feel free to have it moved . Firstly a few loose details to establish a storyline then a few questions. I am dealing with this on behalf of the OH . Roughly four years ago she entered into debt management with payplan with debts in the region off 20 k to around 9 different companies paying £200 a month after about 2 years she took a payment holiday of 12 months then added another 8 months for good measure. Payplan texted , emailed rang repeatedly teling her that the plan was going to fail. Around 14 months ago she asked them to take reduced payments off £100 a month , Payplan said that the creditors would never accept such an offer so instead they got nothing every month and the plan failed , so roughly no payments made for last 18/ 20 months again these are only rough dates. In the meantime she has had letters from various DCAs about various debts, the usual drivel . However quite recently she has been sent a DN from one of the companies followed by a letter today from Clarity, the DN seems fine and there was no contact from Clarity until after the deadline was up roughly a month.. I know the first thing to do is cca sars etc but like I said at the start I dont get involved with them until Im backed into it as most just go away. Now the questions for all you legal eagles out there. Is the original creditor right in issuing a DN 20 months after the Payplan failed? Wouldnt they have issued one 4 years ago when she first got into difficulty ? If this is the case they surely cant close the account twice unless the agreement with Payplan constitutes a new agreement with a creditor? If this is the case shouldnt all the creditors have to issue new DNs before debt collection can proceed ? Like I say Im not in any hurry to take anyone on but its nice to have something up ones sleeve for use later. I have churned this over in my small brain and cant come up with a conclusive answer so hoping one of my fellow caggers can.

Maybe you can see this http://s900.photobucket.com/albums/ac205/shuffler_album/?action=view¤t=file.jpg

I cant see any dates at all , except default date 13/3/06 below that is account status 2 red 8s and 10 green circles with question marks in them , last updated nov 11 below that is another line that says balance 4,411 twice then 10 @ £0 . I must say the zero balance is confusing as on the top it says balance 4,411

I can only see the last 12 months on this so no way of checking missed payments. Is there a way to go back further? Ps it says credit/store card

Im imaging the debt should be s barred around now even though the default is March 06 surely the DN wouldnt of been issued after 1 months missed payments. They law is last payment or acknowledgment/not DN date ?

Complaint went off as quickly as they did. I remember the bad old days when one of those muppets would of put the fear of god into me. Not anymore thanks to this site. I quite look forward to their letters nowdays. Having said that the OH defaulted on her payplan near two years ago and she recently recieved a DN. All quiet since though so I imagine there will be a sneaky ccj poping up a new thread and a source of entertainment on the horizon.

Not one but two of these muppets were lurking at my door last week when I pulled up in the car. Me Can I help you? Muppets ..... Mr ???????? Me yes . Mr ****** ????????? again a yes from me . We are from Robinson Way can we talk to you? Me Em NO!. So much for security questions. Me Time to go lads ! Muppets What? Me time to go boys. Muppets we really need to discuss this matter. Me what matter? Muppets this debt . Me what debt ? Muppets Its a lot of money Me what is ? Muppets this debt. producing a piece of paper. Me oh let me see wow yes that is a lot of money . Muppets So what are you going to do about it? Me what am I going to do about it? Muppets yes . Me Do you owe me this money? Muppets No you owe us . Me Oh dear not much I can do about that, by the way any identification? Muppets we have this piece of paper. Me wow Im gonna get me one of those . Muppets We really need to discuss this debt Me what debt Muppets this debt ( waving his piece of magic paper) Me sorry Im a bit confused why do we want to discuss it again. Muppets Its a lot of money Me yes we are both agreed on that .but why do we want to discuss it ? Muppets well you owe it to us Me I do ? Muppets yes .Its a lot of money Me ok we have already established its a lot of money . Muppets Well what are you going to do about it . Me absolutely nothing. what are you going to do about that? Muppets We need to discuss a payment plan . Me ok lads you do that and good luck with it. see ya . Muppets what? Me bye lads happy Christmas. and by the way dont ever come near my door again or I will call the police. Muppets what? Me byeeeeeeeeeeeeeeee see ya have a good one. Oh what fun bet santa doesnt bring me anything that will give me as much pleasure. As all my debts are stat barred Im gonna miss them.

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Yeah I will do the request but I know I never sent a cca request to anyone.

I have never had a flat mate , just me and the Mrs . I just wonder was it a credit card backed by lloyds just under a different name ie aquacard or something . It still should of been off the radar anyway due to financial troubles from 04 . Im thinking maybe a nice DCA has paid a pound of the balance in order to keep the file open . Its not an unknown tactic I believe.

Hi to one and all . Just got hold of my credit file online , I believe there is an incorrect entry on it , which will fall off in 3 months anyway. The entry relates to lyods tsb credit / store card . I never had any dealings with lyods and have never held a store card. Im a tad confused though with some of the information . It states the credit limit history £4,000 (04/06) £3000 (10/04) £2000 (04/04) now im assuming that the numbers inside the brackets are dates? 04/06 relating to April 06? Is this a correct assumption? If so the account defaulted 13/3/06 two or 3 weeks before the limit was raised.from 3 to 4 k . My financial troubles started in 04 so there is no way i was still paying anyone in 2006. Also anyone explain what the question marks are for on the status which reads 8 8 in red followed by 9 green question marks. Does one of these marks cover Jan to November of this year? Like i say I dont believe the debt is mine due to defaulting in 06 and it will fall off 13/3/12 just wondering if my details have been used. the balance sits at £4,410 DCAs ever mentioning that amount. Another thing I have just noticed is the default balance is as I stated 4,410 but in the balance it reads under the red 8s 4,411 twice then £0 under the question marks , someone has paid a quid somewhere and it def wasnt me

The letter has my name care off my mums address , they havent said who is owed the money but i can hazard a guess , think the last payment was late 2004 to early 2005 like i say as near as dam statute barred , just annoying they sent it to my 70 year old mums house when i still live at the same address where the loan was taken out .

These muppets have taken to sending letters to my Mums house in my name care of her address , is this legal? the muppets have even threatened to send a collector to a care of address. I havent lived there in years and they prob got it from my credit file. The debt is either statute barred or dam close to it , i wouldnt even bother getting into a tussle with them ordinarily but my mum is wondering why the letters are going there so i need to stop them.

Sorry perhaps i didnt make my comment clear , what i meant was dont respond to threats

I think there is one point that has been missed out on this thread .All the bufoons who have written to you know quite well that they wouldnt stand a snowballs chance in hell of gaining anything by taking you to court , I personally would ignore their threats , as that is exactly what they are. I had 17,000 grands worth of debt with 7 companies some for 3 and 4 grand only one went down the court route, and they made a hash of that by getting a ccj in a court that had no jurisdiction over me, result an opology ccj removed and debt marked as satasfied. Read and file any more letters just dont respond..

Its been a year now since this thread started , welcome have asked my son for payments and he has told them he can only afford ten pound per month . Recently Welcome have requested details of my sons earnings from his employer which they supplied to them . Is it legal for both Welcome to request them and for his employer to divulge such details?

Cher are you resident in England ? I just asked because Capquest took me to Northhampton court , i am from Northern Ireland and therefore the court had no jurisdiction over me , once informed of this Capquest got the court judgement struck out and marked the debt settled in full .

Might be dificult finding a branch of the Bank of Friendship , even if they did find one , it would be difficult for them to have a friend to vouch for them.

Well i have just popped a cheque in the post .

I got this little cheque book and am posting to all DCAS in their prepaid envelopes