DebtBoy69
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Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
Thanks so much - reading up now -
Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
I did previously get a letter of claim - apologies didn't upload it - but was sent with solicitors. Then I sent a request and PAP form and got that 'credit agreement' among the other documents. Should I wait for another LoC? All creditors have been told about change of address yeah. -
Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
Sorry for the delay. This should be all documents redacted information this time - apologies for page 4 I tried to adjust it, but it still kept being blank. I've moved house recently, so the original credit agreement is dated then, however, another has been sent as I told the company I had moved. I received it today - but it doesn't have a date on it. So not sure from what point this 30 days notice runs from or until... Thanks again for all the help and being so patient - happy to re-adjust if anything is wrong, hopefully everything is as needs to be. *Edit I had to compress it, hopefully it's still readable - I can re-do it if necessary... just let me know! Hoist Notice of Assignment Default and Credit agreement.pdf -
Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
Credit agreement scan-compressed.pdf Oops sorry - I need to include all the other paperwork - will try and sort it tomorrow. I assume i need to include the default notice too -
Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
Hoist have now sent the CCA among all the other documents requested they said they require response after 30 days. do I have to do anything/what do I need to do now? -
Lowell/overdales - Mobile phone debt
DebtBoy69 replied to DebtBoy69's topic in Telecoms - mobile or fixed
My old thread is locked : but hoist sent a letter with my credit agreement for the account detailed: they said they require response after 30 days. do I have to do anything/what do I need to do now? -
Lowell/overdales - Mobile phone debt
DebtBoy69 replied to DebtBoy69's topic in Telecoms - mobile or fixed
Great thank you, will update on progress -
Lowell/overdales - Mobile phone debt
DebtBoy69 replied to DebtBoy69's topic in Telecoms - mobile or fixed
I got the letter of claim - should I just proceed as before? Is there anything different re: mobile companies and credit cards? Thanks -
Lowell/overdales - Mobile phone debt
DebtBoy69 replied to DebtBoy69's topic in Telecoms - mobile or fixed
Okay great thank you I'll wait for the LoC I think I owed £200ish for 6months remaining which then jumped to £446. The 'estimated' total is of course bullshit and is £603... with solicitor/court/judgement costs to try and scare me; I assume. -
DebtBoy69 started following Debts in the UK now with DCA's and Lowell/overdales - Mobile phone debt
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Hi! You guys helped so much with my previous debt (which I had the letter from the DCA that it is unenforceable) so thank you! I have a £440 (now £600 according to the letter) debt with network 3 for a phone contract I stopped paying when I moved abroad in 2018. I haven't engaged with the DCA except to clarify my address, and haven't paid anything since July 2018. They have sent a letter from Overdale on behalf of Lowell - 'Notice of Acting' - is this the same as a LoC, or should I wait for a LoC? If I do get a LoC, is the process for mobile phone payments different? Thanks!
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Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
Hoist sent through the notice of assignment for Barclays and hoist. Both dated 10th April 2019. letter says account on hold while they get the remaining documents -
Debts in the UK now with DCA's
DebtBoy69 replied to DebtBoy69's topic in Debt management and Debt self-help
Separate debt but got a letter from intuim or whatever offering to write off 2,700 if I pay 600. of course I have no intention of doing this - but my question is why would they do this? I mean is it profitable for them to do this? And surely the default is still on your credit file; so their promise of your credit file being clear isn’t the truth right? -
Hoist and old Barclaycard debt - Pre-legal assessment letter
DebtBoy69 replied to DebtBoy69's topic in Barclaycard
Sent to hoist, got a receipt and my £1 postal order back. Apparently they don’t need that for a CCA request anymore. They sent a letter stating they’re looking into the request. -
Hoist and old Barclaycard debt - Pre-legal assessment letter
DebtBoy69 replied to DebtBoy69's topic in Barclaycard
Great thank you Will send CCA and the PAP form from that post -
Hoist and old Barclaycard debt - Pre-legal assessment letter
DebtBoy69 replied to DebtBoy69's topic in Barclaycard
Hi received a letter of claim it has a reply form attached. what should I do from this point? thanks again LoC attached, too Thank you! Updated attached Howard Cohen LoC 2.pdf
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