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mjc007.5

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Everything posted by mjc007.5

  1. Many thanks Vint, This is one of the more "mainstream" debts that I did not keep up with initially whilst battling the various payday lending companies that I got myself tied up with (I have been something of a regular on the payday loans forum!). I have seen a number of these off or come to an amicable arrangement (will be less so if I end up in DMP which I have been on the cusp of doing for a while now! - 8 from 11 of these evil things sorted to date). You will see very foolish trying to keep the plates spinning and went deeper and deeper into the dark side until the lightbulb moment!
  2. Hiya Ell-enn and Lozzy both spot on with their advice (as usual! ), not suffered this company particularly but it is a repeating theme I am afraid. Not wishing to be alarmist and accepting probably a bit biased (I started in the payday loan section!). They will try to access and clear your account of what you "owe" and sometimes more (I had one of these firms by the short and curlies for doing it) whilst attempting to "justify" their action by claiming you effectively gave them a "continuous authority". I would phone the bank as well as the letter (not normal to recommend this I kno
  3. bump - any takers please? (and is there a template letter for IGNM suggestion in post 20?). many thanks
  4. Hi all, Update on the above - we have established via the good people here that they appear to have terminated without a valid DN. Latest correspondence attached from a DCA acting for them (?suggests not in fact terminated in their eyes?). Also no reply to my CCA request and they are out of time?? (well over 14 days now). I obviously will not be calling on the phone and up to now apart from the CCA request I have kept quiet but what's my next step? Do I answer the DCA? At this stage do not want to end up near a court (although once things on a more stable footing overall I would cer
  5. Hi Trevormax, More expert opinion and advice I am sure will follow at a more sensible hour but two pence worth for starters (in no way based on any expertise!): Was the whole process around the charging order carried out correctly? I do not begin to say that I understand this area but seems to me in most cases this is the starting point to try and sort In pursuing the first point I would think a SAR (subject access request) to one or possibly both companies (original firm and debt purchaser) are probably going to be needed. It should allow you to see charges, fees etc (It sou
  6. Hi Funkychick I have seen said in several places here never let them have your signature so I can see why you would be cautious. If not comfortable or happy with cheque I would go for any of the following: Crossed postal order (no expertise here but I understand that this would be difficult to lift a signature off) Get trusted relative or other suitable associate to write the cheques for the SARs and pay the relative Arrive in person with fee made up entirely of pennies, hand over to suitable manager and insist that they sign for it (made this one up, must be time of
  7. thanks crocdoc - what I thought but needed someone to confirm or otherwise! I have an I&E of kinds already from CCCS that I can work with or we are going to end up in DMP in which case I think they get less (ironically in line with what courts would suggest!!)
  8. a little bump - do I have to give them the personal details/income and expenditure sheet? For a maximum £600 debt
  9. Hi all, Well I now have my first contact from a DCA and it is the above pursuing outstanding cheque cashing type loan. I wrote to their client Albermarle and Bond in good time asking them to destroy cheques and accept payment plan at £25 per month. No reply, passed to the above, cheques presented and bounced. Now, being a lurker here for quite a while before joining I knew there were some interesting tactics employed by DCAs so as a starter for ten these folks are actually a subsidary of their client, have the same head office in Bristol although operate out of a PO Box in Wa
  10. Hi, Thank you very much to PGH - answered one important question that I had in my mind as to who get's what (even though trying to go on several fronts!). Interesting comment about CCCS as well - I am have not been sure how to take their non-commital attitude to the disputed debts. Almost seem to be presenting DMP as "do this and all the pain goes away" solution (which to a certain extent is highly desirable) but for some of them if I do not pursue it will become me feeling pain in a different way paying what they are not entitled to! As to my quest Funkychic (liking the idea of a
  11. Hiya, Bub is of course right probably best to front up before due if possible, should paint slightly better picture in terms of trying to sort with them. Guess will probably try and get you extend/roll over etc first and when you say no try and get a bit heavy. Between us I think we have contact details across the whole company and their bank account details to boot so if you have not got them PM either Bub or me and I am sure we can assist (volunteering Bub on this one because helped me with them at the start!). They were eventually okay with me - took a little bit of corr
  12. Hello Dan, Probably not the only one here that would view your post with a very high degree of caution (and there will be some that view it with worse). This is a particularly vitreolic and vexatious part of the lending market when things go wrong so I am sure you will understand this. If you could elobarate somewhat please it might help: When you refer to a new project is this by your employer? If yes, what industry are they in? What is the ultimate purpose of this project? Is it for private or public use? Have you approached the site team about this? Do they approve? I
  13. Hiya There may be contrary views along but for my part I am going at this simultaneously - dmp, CCA requests where appropriate (either because I think there may be something in it or they are being unreasonable!) and complaining to the FSA . I am being open with CCCS and they are in the picture (only problem I have is they are a bit non-commital about if the disputed debts should be included or not!). Seems to me generally best to view it as a battle on several fronts simultaneously The SAR is more comprehensive and may well be needed subsequently but for me the cost (I to have many
  14. Hi Lozzy, They are getting their payment via standing order and (if it be £25 or less in DMP) will continue to get it. We did the relentless email exchange and they have just ignored me now. Best advice I have been given suggests pay them up to what was actually loaned and then dispute the rest. Sound advice from you and Bub as ever - the payment method above means I do have a recordable trail so they cannot dispute monies have been recieved (I also have their text confirming bank details). I still fighting hard to come to reasonable arrangements with all but DMP looking incr
  15. Still stuck at work but slowed down a bit (for a nice change) so working my way through the posts - very interesting as always. Will watch the programme when I get home. Seems like it was a good start, hopefully will build a critical mass now and the government will kick the OFT into acting. Said it several times but rings true - the vast majority of us are can't pay (at least on their terms) and when they start from a presumption that we are all "wont pay" (together with the general arrogance and disregard that the programme sounds like it showcased the tip of the iceberg of) then we ha
  16. They are also hiring (anyone up for an undercover sequel): Collections Assistant Key duties: Negotiate payment plans and settlements with customers Analyse customer payment difficulties and work with customers to identify solutions Identify ‘won’t pay’ customers and determine appropriate actions to take
  17. Just googled Marlins site and the compliance page comes up first!! They do comedy as well!
  18. 100 viewing and rising - guess it was as horific as expected from what I have read here!
  19. Check out "expertcollectors" post on the dispatches site. Priceless! (or possibly worth an "adminstrative fee" for his/her trouble!) You would think the money loaned came from their own personal pocket! Still missing the point..... Most us are in the can't pay group, more specifically because of their take on what is "realistic"!
  20. The guest count is growing! Hope there are some folk among them who want help rather than watching from under their rickety bridge!
  21. watching their site with interest - looks like the DCAs watchers here have gone home for their tea!
  22. I've put up on their site refuting the allegation about debt avoidance as well (user names have been changed to protect the harrassed though!) They should publish at least one rebuttle!
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