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SampleX

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About SampleX

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  1. Thanks for the words of wisdom. So, having read the text of the letter that I sent them way back when (and I have the registered post receipt for it still) would you say that it constitutes a perfectly acceptable CCA request. I'd hate to find out that it wasn't properly worded or legally acceptable. So should I just continue to ignore them and not put anything back to them in writing, on the basis that if they DO suddenly take me to court, I simply 'countersue' on the basis that the CCA is issued and never responded to/satisfied? Or will a court, nowadays in the credit crunch, j
  2. Hi again... Seems amazing to me that I'm back on this thread, however it has to be added that a number of the issues that I raised over a year ago are still not resolved. With many of them I have instructed DCA's and lenders what I require in order to proceed further, and they not only fail to follow instructions, but also fail to take 'further action' themselves as a result. Here's one that just raised its ugly head again... Link Financial... I sent the following letter, after consult with some folks on here, over a YEAR ago... ---------------------------------------
  3. I'll give a testimony now... I'm actually in no better a position than I was when I started looking here, and certainly am no closer to any 'arrangements'... But how I feel about everything has changed a lot. Through the strength and encouragement that I found here, I've been able to deal with things in a different way... These people no longer intimidate me. Am I avoiding them? Absolutely. Am I paying them anything? Absolutely not. Do I acknowledge that I owe a debt? Certainly. When the DCA's in my different circumstances start to treat
  4. What if the original DCA has not put anything to me in writing other than the usual 'your account has been passed to us, please ring us so we can help you pay us.' I did find AIC in a serious breach of the rules of debt collection from the OFT... aparrently they're not supposed to make the situation unworkable... 'Mr Kennedy' did just that... he pushed me into a cyclical argument where I could pay in full, or... well... pay in full... I kept telling him to take me to court, and he kept saying 'we can avoid all that if you pay in full'... He was not in a 'position' to negotiate on behalf o
  5. And what do I do about the fact that AIC who may have been only 'acting' on behalf of the bank in question still violated a legal obligation, even though they've forwarded it on.
  6. OK... I DO like that letter, BUT... AIC stopped being involved altogether, and have passed it to another DCA... do I still have any grounds to claim the agreement is null and void in the absence of paperwork on the basis of AIC's involvement, or does the whole thing start again, now?
  7. Here's a question... if I CCA the DCA and they DIDN'T have the original agreement, or the deed of assignment at the time I CCA'd them, can't they just have one knocked up anyway, to present officialdom back to me in return?
  8. Are creditors known to take reduced balances, paid over time? It strikes me that debt management and IVA type arrangements offer reduced balances, but with monthly repayments. Aren't the creditors better agreeing 40% reduction paid over time, than having an IVA firm demand 60% reduction paid over time?
  9. Hello there. I'm not sure that I didn't post this before but I can't find my former thread... I had a debt with a bank over a credit card. Long story short, the bank offered to settle for a 40% payment. I have this in writing. I responded in writing immediately accepting the offer and asking how and when they wanted me to pay them. I was ignored. I sent that letter three more times, including after having received a 'since you're ignoring us, we're threatening you with legal action' letter. Some of the letters back to them were even recorded delivery. Anyway, they then assign th
  10. Hello there. I'm not sure that I didn't post this before but I can't find my former thread... I had a debt with a bank over a credit card. Long story short, the bank offered to settle for a 40% payment. I have this in writing. I responded in writing immediately accepting the offer and asking how and when they wanted me to pay them. I was ignored. I sent that letter three more times, including after having received a 'since you're ignoring us, we're threatening you with legal action' letter. Some of the letters back to them were even recorded delivery. Anyway, they then assign th
  11. SampleX

    Please Help...

    What's the situation of 'legality' on buying someone's debt for less than the debt amount and then trying to enforce the full amount as an exercise in opportunism? Surely, if my debt is sold by the rightful owner of my debt, for a tenth the value of the debt, the debt can only be enforced for the amount that was paid for it, since the creditor has conducted a partial write off in their own interest, and conceded that the value of the debt is only 10% at enforcement? Presumably my credit rating is blacklisted BY MBNA as a result of the partial-write off, so why then should I be penalised doubly
  12. Right. The plot thickens. The bank seem to no longer regard me as the subject of the account. However, my folks have served the bank with a SAR and paid the £10 fee. In the letter requesting SAR we required that transcripts of telephone calls be included and all correspondence. What was sent to us was a two page communications summary, the briefest of notes, with no names of staff and the like, and little to follow up. We were not sent copies of letters, we were not sent transcripts of phone conversations, yet the bank seem to think that this is full disclosure of SAR. My o
  13. SampleX

    Please Help...

    Anyone else? Any advice? All round, what is the situation with debt collection agencies... If my mate has an unpaid account with a customer, and it's, say, Three Grand, and he's having problems getting it paid, if I give him £500 for the debt, do I have the legal right to enforce something that was not, technically, owed to me, in order to make £2500 for doing nothing, for providing nothing? Or can I only enforce my right to have my £500 back, and run the risk of having to write the rest off? I cannot see how it is legal for a company that claimed that I owed them £4800, to then
  14. SampleX

    Please Help...

    Hello again, all... The DCA in question was Link Financial. Now... I may have made a mistake... But, I was taking advice from all over the place, and I think somewhere down the line I've sent them a letter that wasn't correctly worded... In March I sent them this, in respect of the communications in this thread... ------------ Link Financial Ltd PO Box 30095 LONDON SE1 7WU Dear Sir/Madam Re:- Your Reference XXXXXX Response to Letter Dated XXXX February 2007 (XXXXXXXX) In respect of an alleged debt which you claim I have with your com
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