Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×
Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Barney1966

Registered Users

Change your profile picture
 View Profile  See their activity

  • Posts

    21

  • Joined

  • Last visited

 Content Type 

Everything posted by Barney1966

  1. Barney1966
    Hi. Ten months after I had any contact, have today received a letter from Dca thanking me for a payment ( I haven't made one) and telling me I still owe them money! The debt is statute barred and th lthey have never responded to the CCA request I sent last year. I have all the correspondence from last year, but would welcome advice as to how to get these people off my back?
  2. Barney1966
    Probably yes from 2006 would have made a couple of £1.00 payments - Had some financial hard times so they would have been intermittent £1.00 payments to few DCAs. Certainly nothing to any DCA since 2009 though.
  3. Barney1966
    Had no dealings with any DCA since 2009 so would have been before then.
  4. Barney1966
    Hi, Have finally received the SAR from CAP One. Has all the details requested and advises that debt was sold to DCA in 2006. Letter is dated in early August!? - Have not heard anything from DCA for 8 weeks. Any advice on what my next steps are? Thks
  5. Barney1966
    DCA have come back (after 12 days!) with a letter saying they don't have all of my information on file they have requested the agreement from the OC and will contact me when they have something. From what I've read on other threads i was expecting them to make reference to the process taking 40 days etc, but theres no mention of this so not sure what to make of the letter i have and whether this is a good sign or not!
  6. Barney1966
    Yes filled it in and sent it back. See what they come back with.
  7. Barney1966
    Yes , sent to Cabot. SAR to CAP1 -
  8. Barney1966
    For the CCA - Left it blank and they sent it back - filled in as requested and returned - recorded. SAR was sent recorded with the payee details filled in as that's what is requested on the OC website for SAR.
  9. Barney1966
    So as expected Postal order was sent back as not filled in correctly - Does anyone know why they do this? Surely it delays the process for them more than me! Or am i missing something?
  10. Barney1966
    Ok thanks - I'll make sure a copy of the CT bill goes with the letter.
  11. Barney1966
    Thanks DX - That makes me feel a bit less anxious. - I sent the CCA yesterday (by recorded, havent had a chance to view the boards so missed the advice on Spec Del!) So will see what happens in the next couple of days. Re the SAR Request - Should this be signed or left unsigned? Thanks
  12. Barney1966
    Oops sorry!
  13. Barney1966
    Thats great - Thanks This is what is set to go to them today! Template removed (please do not post copy of templates to the thread...they are for members only)
  14. Barney1966
    Thanks ill sort out the SAR today - Re the CCA: Why a blank PO? wont they just send it back as not correctly filled in? Need a bit of help with CCA - Which section should i be quoting? All three sectuons 77/78/79? or just s78? - Bit confused!
  15. Barney1966
    Thanks for all the responses. really are appreciated. CCA will go tomorrow morning to be on the safe side and will sort out the SAR as well. Only problem with that is that i have no idea what the CAP1 account number is anymore. Does that matter or can they do this all on the addresses? CCA has a request for Statement as well as Original agreement. Ok checked Credit report. Everything looks fine.
  16. Barney1966
    Hopefully this is uploaded correctly. Copy of lettter received from DCA Hope this is ok. Couldnt get the file any smaller
  17. Barney1966
    Sadly No and No! Aas and still am quite green about this. Although rapidly learning:-)
  18. Barney1966
    Normally i wouldnt have - Had problems with DCA's before during a bit of a "difficult period" so am a little bit familiar with the types of letter they can send. Managed to settle with previous DCAs though. This one was much stronger than ive seen before. Will post up later today when i get home .
  19. Barney1966
    Hi thanks for the reply. SAR goes to DCA or the origial lender? And is it there a standard template i can use?
  20. Barney1966
    Hi Thanks for the reply. As far as i can remember i think any payments would have been about Aug/Sept 2009 - when i was disputing the charges. The card was taken out in 2001/2002 i think certainly no later than 2004 anyway.
  21. Barney1966
    Hi first post here and would really appreciate some help/guidance Description of the issue Received a letter from Cabot (DCA) on 10/07/2015 threatening legal action, CCJ, relating to a Capital One Credit Card. Letter was dated 04/07/2015 giving me 7 days to respond. Amount being claimed is 4100 Last contact i had regarding this was in 2009 when i disputed the amount as i think it included loads of charges which i knew nothing about, but never heard anything back so assumed they had written it off. I've since moved house but until 10/07/2015 have not received any correspondence from DCA for this debt in the 6 years i've lived at my address so i assume they are trying it on as any debt would be or about to be Statute barred. Quite concerned about the CCJ threat though as the letter was quite strongly worded. After reading some of the debt forums I've sent a "prove it" letter this morning by recorded delivery but from what i've read about this DCA and their solicitor Restons im inclined to think this will antagonize them and they will go ahead and try for a CCJ anyway. I have a CCA request prepared to go tomorrow but could use some advice. Am i doing the right thing? And if they go for a CCJ how do i defend it? Appreciate any advice i can get. Thanks

Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...