Help with Various Debts and DCA's

[dx100uk]

so carry on with the CCJ payment.

pers i'd stop every other payment of silly small sums to anyone else.

all you are doing is running the statute barred date to infinity.

 

Original creditors dont do court.

 

just ENSURE everyone you are stopping payment too has you current and correct address going forward.

 

you'll get a TON of deforestation through your letter box.

pers i'd ignore EVERYTHING, just scan it and/or put it in a file for that particular debt.

 

these debts can NEVER comeback on your credit file as i suspect they were all defaulted +10yrs ago.

 

3 golden rules.

never move without informing the debt owner if its within 7yrs since your last payment

never ignore if/when a letter of claim arrives for any debt.

never ignore county court papers from northants bulk court.

 

 

[Shanidev]

dx100uk thank you very much for this advice. Wish I had known this 10 years ago. I suppose it's better late than never.

 

Sorry for taking your time. Going back to hsbc, should I ask for CCA or SAR or should I just offer them a 'full and final' figure. 

 

Thanks in advance

[dx100uk]

let it run.

see where they go like the others.

 

stop being scared of dca's too.

they are not bailiffs.

 

dx

[Shanidev]

As it happens they had sent two letters that my other half did not stress me about as I was dealing with a family situation.

 

First one asking me to call them and second to say that the dca with be administering the account.

 

They arrived about a week apart and I am waiting for dca letter.

 

Not sure what to do here.

I am dreading phone calls, home visits or public harassment or confiscation of property like car or phone etc. Please help.

 

[dx100uk]

1 hour ago, Shanidev said:

I am dreading phone calls, home visits or public harassment or confiscation of property like car or phone etc. Please help.

 

what part of a dca is not a bailiff do you not understand?

 

dx

 

[Shanidev]

Sorry for being so paranoid.

 

Two reasons got me sweating:

the letters came from prelitigation department and my previous mistake of returning dca's call.

 

They threatened to breakin through even front door, exposing me to my social circle to confiscating my car.

 

mbna did not respond to cca request, broke every guideline and dca took me to court.

 

Thanks for putting my mind at rest and putting me on track.

 

Much appreciated.

[dx100uk]

no such thing as a pre litigation dept, just another bloke in a different coloured skirt sitting nearer to the bog in a call centre.

 

a dca can do nothing of the sort you mention above, which is why you never ever phone them...they LIE simply to scam people out of money that hey use to buy their drinks down the pub that night.

 

as for the varde court claim you had on an old mbna card debt sold to them.

you sent back forms admitting the debt, no wonder you got harassed.

[Shanidev]

Varde (MBNA) debt has since gone to PRA Group who sent me statement at the time plus bank details but no communication since.

 

Two letter were from HSBC headed pre-litigation department.

Yesterday, I received an automated 'contact us now'.

 

And this morning, letter from PO Box 189, Huddersfiled.

 

Through the window I can see it has Debtline in bold.

 

I am dreading opening it.

I have had letters from there in the past that I did 'Return to Sender' following advice from someone on YouTube.

Now, not sure what to do here. I have no idea on how best to deal with these people. 

 

Also, if I stop the nominal payment could they take me to court and then use 'he has been making payments' as evidence of my admittance? I have stopped nominal payment on one of them and waiting with baited breath. 

 

Please advise

 

[dx100uk]

a dca is NOT A BAILIFF

totally powerless

 

why not open and scan up the letters.

 

all you are doing by keep making payments is be a nice little cash cow and run the SB date to infinity.

payment is not necessarily admittance of a debt no, just you got conned .

 

they might not hold any enforceable paperwork!

why do you think the OC sold it in the 1st place and not crushed you themselves in court...weird that eh?

 

dx

 

 

dx

 

[Shanidev]

Well, I finally gathered up courage to open the letter. In summary, it says 'acting on bank's behalf, you have failed to contact, we know you are there, we will pester you until you contact'

 

Pardon me for being so thick. I am a little nervous. No doubt, I am going to receive further letters. Won't be contacting them. Do I just scan and file away? What's the better path; I have sent them back before when I do not recognise the sender. 

 

Thanks very much for your help.

[dx100uk]

scan 

dont bother sending back always was a stupid move

 

dx

[honeybee13]

Hi.

We've had your report of this thread. It's open again, please add your update here.

HB

[Shanidev]

I stopped token payments on one of them. Received letter saying they have noticed... your debt still stands... important to call us... etc. A month later they have sent the same thing with income-expenses sheet asking to complete it to help them help me. I didn't dare stop token payments on the other as long time ago the bank wrote to me saying wescot will now administer the account.

I am stressed a little with course they might take and also what to do with the second one. Please advise.

Thanks in advance

[AndyOrch]

Quote

the bank wrote to me saying wescot will now administer the account.

 English = Wescot will hound you as we cant be bothered and if you pay them they will take their cut as we have already wrote it off as a loss ......administer 

[dx100uk]

a dca is not a bailiff

stop paying them and being a nice little DCA cash cow.