Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


sythe

Coping with DCA's

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4027 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

This is my take on the question of unenforceable debt.

 

A credit aggreement goes into default, the creditor passes the account to a DCA. At that point the debtor quite rightly requests a copy of the original signed and executed credit agreement and a statement of the account showing all debits and credits.

The DCA pass the debt back to the creditor, as they know without those documents they cannot legally pursue the debt. They may try frightening the creditor into paying but in truth they have no right to do so. So the creditor passes the debt to another DCA and the whole rigmarole starts again.

 

The debtor should therefore proceed as follows:

 

CCA the creditor directly, at that point the account is in dispute and cannot be inforced by anyone until the relevant documents are supplied.

 

The only correspondence that matters now is a letter to the debtor from the creditor containing.........yes you've guessed it "a copy of the original signed and executed credit agreement and a statement of the account showing all debits and credits."

 

Should anyone contact the debtor whilst those documents are in request, they are in breach of the Consumer Credit Act. The debtor should then write making a complaint to that effect. If the complaint is not dealt ie the requested documents turn up, then after 8 weeks a complaint can then be sent to FOS. Eventually there will come a point when the creditor simply runs out of agents who are not the subject of a complaint.

 

The statue of limitations will eventually render the debt uncollectable.

 

"SIMPLES" :grin:

Share this post


Link to post
Share on other sites
CCA the creditor directly, at that point the account is in dispute and cannot be inforced by anyone until the relevant documents are supplied.

The a/c can be put in dispute 12 working days after the DCA received your original CCA request. It doesn't matter how many other DCAs it's passed to, until the CCA is provided it will remain in dispute. If anyone tries to pursue whilst in dispute you complain to the world & his brother. :)

  • Haha 1

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

thanks again..........I've really got the whole point now.......thanks to your help............someone really should start a campaign to make the creditors supply this stuff before they can put an account into default.

 

kindest regards krj8

Edited by karenruthj8
spelling

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...