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beaconsman

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About beaconsman

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  1. Hi, just got in and a letter from a certain dca..regarding an amount of just over £800 from a bank..i checked my credit file and a certain low dca has been checking my file every month for the last 6 months. What are my first steps in fighting this?..do i ask the dca for a cca? the first default was in 2005 according to my credit file..also how to get them to remove the searches as they werent authorised? (and yes it is me, i am back, after getting a kicking on behalf of my wife, but that is now sorted)..i just want to know my full rights and how to go about tackkling these lowlifes as they have also mentioned bankruptcy!! I have only just fought ousba and won over a ccj and has been removed, enabling me to get a bank upgrade within a week! Also been able to get a mobile phone on contract so dont want these gits messing things up for me..thanks.
  2. well, i have been tryog to get hold of the moderators and to no avail until they remove posts..freedom of speech? yeah righto..
  3. Right, lets get thigns straight, first off, upon having not very nice comments on here on my last post,|I have been lying low, last week,was court datewith us and a dca...if we hadnt have taken legaladvice and gained representaion, we wouldof lost,end of. Lost our house, so its allwell n good harping on about fight fight fight...sometimes you cannot. For us, even though we have agreed a vol charge,it is written in a contract by our solicitor who was a godsend...sumofem are decent out there. So, whilst i used to take advice of this site and take every piece of advice to heart, this could have lost us our home!! We got what we wanted and at least the dca know we have a solicitor so they are being very nice. becasue that was my wife's issue, i just got involved in it as didnt want to lose the house obviously..written in to it is the fact they cannot sell it etc..the other side only recieved instructions 3 mins fromcourt time, had not complied with sar etc..we culd have screwed him court but we had already withdrawn the application to set aside so wasa lost cause..first judge was right stuck up, thsi was months ago.,she refused the set aside even if when i got advice fro the affadavit. The judge last week was very nice, obviously much older and wiser than the previous one. So, thanks to allwho helped with the affadavit, but,wen it comes to your home,please seek legal advice. Plus, dca's are now using your professions against you..i.e teachers etc..as a set aside would have to be decvlared to your employer and bankrupty petitions...ery nasty tactics. So I am here, but wiull not tolerate the bashing i had last time from other members. We are gratefulfor the advice,and they do read this site...(dca's that is..
  4. all very well reading about the successes, what about the ones that havent been won, like ours?..if a judge says we would lose, then we will lose....plus she wasnt arsed about the fact they had failed to coply with a cca request.... 22 out of 25 set asides LOST! Not won, LOST! think there is a fair assumption, that yes, we have drawn a lottery with the judge and she is a bad one...
  5. Because the advice on here was it was so so easy to get a set aside..turns out it bloody well isnt....especially as off the record, the judge said we would lose and she had turned down 22 set asides in cases before us...and it was only a tuesday...
  6. Obviously for those who critisise my wife's opinions, fine, I came on here to help her, she doesnt want to fight them, unless she registers herself on here, which I will ask her too...by the way, my laptop has internet problems plus our service is being affected by the adverse weather here in the wolds..as for others nitpicking my spelling, oh dear..u really ought to get a friggin life...as for my teaching quals, no, i am not yet a qualified teacher, and have no intention to be...I want to work in Higher education..as for those who wish to question my experience or teaching skills...carry on, silence is golden as far as i am concerned..i have posted on here before for other things, now i am not too sure as this forum is getting to be like the one on MCN,(motorcycle news)..anyway ..arte et marte....If I need anymore advice on my own finances, then I may or may not be back judging by the comments as to the sincerity of who I am, if i work for a dca...not a good ad for CAG is it?..if anyone wishes to converse to me, i have no objections to pming and giving you my number....??..hmm, thought not....typing on a forum and slagging off other people is a cowards way...mano a mano...far better...anyway, I am off now to start my motorbike up as she is a bit chilly.. Thanks all to the genuine replies, I am sorry but this isnt my fight, its my wifes, she has decided to drop the action for the set aside.. Please no more comments about my profession etc..as an ex soldier i tend to get a bit offended as to the services i have given and some of you ahve (Correction, HAVE)! the right to post freely here...others in the world are not so lucky, so think on.....
  7. Right, Also, I Am NoW GOINGTo Get InTouch With The Moderators....... WHY WE ARENT FIGHTING, SIMPLE. THE DJ SAID SHE HAD SEEN 25 CASES ON MONDAY 28TH AND TUESDAY 29, OUT OF ALL THOSE, ONLY 3 WERE SET ASIDE, HER ADVICE WAS TO NEGOTIATE...AS WE WOULD LOSE.....EVIDENCE AGAINST MY WIFE FAR TOO MUCH, SHE WANTED MORE EVIDENCE FROM US THAT WE COULD PROVE AN UNENFOREABLE DEBT... AS SHE POINTED OUT, IF THEY HANDT HAVE TURNED UP THEN IT WOULD HAVE BEEN SET ASIDE..SHE ADVISED US TO SETTLE..
  8. Right, Beaconsman..is Me Why I Use That?..because I Am Originaly From The Brecon Beacons,,,in South Wales...and Am Ex Military...hence Beaconsman, Grow Up, Some Of You....
  9. RIGHT, LETS GET ONE THING STRAIGHT, I CAME HERE FOR ADVICE AND AFTER SEEING SOME OF THE OTHER POSTS BY BAZOOKA WHO CLAIMS I WORK FOR LEEDS LOSERS, THIS IS NOTHING TO DO WITH ME, IT IS MY WIFES PROBLEM....I WORK IN THE EDCUATION SECTOR, ACTUALLY, IN PYHSICS....OK?? i am sorry, i get right peed off when people think i am takin the p""" I honeslty thought they wouldnt turn up on 29th dec, but they did...we had a 70 day period to get more evidence...now we are receiving more letters and they havent complied with the original cca... my wife, oh she wants a voluntary charge and 50 quid a month, i have said, i want nothing more to do with it, she doesnt want the advice given on here and cannot convince her otherwise...
  10. my wife gets sickness cover with her job! full pay, a perk...redundancy?..she has been there 10 years and is in a profession which is required..not saying what..we will go down the avenu of a valid cca later...having a beer now and chilling...
  11. yes, 4grand to me is a lot of money. the judge has stayed the set asside. havent the energy or strength to carry on fighting, my wife will b off work for 3 months then be back in work as we cant afford a salary drop....bankruptcy?..well, maybe for you it isnt important, if my wife is declared bankrupt then she loses her job and career, so house will b gone as she is earns 3 times my salary! the mortgage is based on her income..doesnt take much to figure it out....too much to lose.,sorry
  12. and that, is a VERY big risk isnt it?....one that we are not willing to potentially lose our home and which would undoubtledly split a family up...
  13. huff n puff, the case law i quoted from other threads, was blown out of the district judge as being "irrelevant"..if that is the case, then surely it cannot be used in a set asside case, i have had good advice on here, no denying it..but it is our home..my wife is pregnant, and do not wish any further stress, on another note, if my wife cannot proove the debt is unenforceable, then the judge would rule in favour of the claimant, and a petition to bankruptcy WOULD be carried out?..would you be prepared to fight on little eveidence?...we r going to send a letter...on the other hand, if they still cant provide a cca..and the charging order is already ont he house and we pay..what action could we theoretically take?..
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