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


  • Tweets

  • Posts

    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
ben1305

please help!!!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3952 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

Hi guys,

I have a dca chasing me for a debt with welcome finance.

I took out an hp agreement around 2000.

The car broke down. i had taken out mechanical breakdown insurance (aswell as all the other insurances that welcome added without making me aware).

To cut a long story short welcome refused to fix the car under the mechanical breakdown insurance. I then told them that i would not be paying them anymore money until they fixed the car.

They still refused then decided to repossess the car.

 

I heard nothing from them for many years so assumed that i owed them nothing as they repo'd the car.

 

To my suprise i've been getting hassled by JBDR debt recovery for several months. always by telephone and it can be several times a day. I've told them every single time to write to me. They say they have sent several letters out but we have never recieved a single one.

 

The last time they called i told them that what they are doing is harrassment and that i would take the matter further if they did not stop.

 

They said its not harrassment when were trying to help you blah blah blah...

 

What i would like to know is who to send the cca request to. do i sent it to JBDR (the dca) or do i send it to welcome?

 

I dont have any paperwork regarding this as it was so long ago and i've moved a fair few times since!!

 

I'm desperate to get this sorted as they ring me at home and at work.


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

if its 2000 then its atatue barred me old fruit

 

you could fire that letter off

but me thinks you've got yourself on a phishing letter list.

 

i'd ignore them

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

the last time i heard anything from about this debt was around 4 years ago. since then i heard nothing.

Then all of a sudden i get bombarded with phone calls from this jbdr.

Is this still statue barred???


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites
the last time i heard anything from about this debt was around 4 years ago. since then i heard nothing.

Then all of a sudden i get bombarded with phone calls from this jbdr.

Is this still statue barred???

 

was your last payment over 6 yrs?

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

Share this post


Link to post
Share on other sites

yes my last payment was over 6 years. I have not admitted liability for this debt in writing or by making a payment over the last 6 years.

However i do have a ccj from welcome due to this. Would this affect the statute barred???


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

I'll move this thread to the Welcome Finance Forum.

 

 

If the creditor has previously taken you to court and you have received a County Court Judgement, you will be unable to use the Limitations Act 1980 to dispute the debt. If the judgement is over 6 years old the creditor may need the permission of the Court to enforce the debt.

 

A CCJ is never spent, and the court could enforce it at their discretion even after 6 years has passed, although they would need to show a valid reason it took so long to collect the debt.

 

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

thank you maroon


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

hi ben

 

when was the ccj issued

do you have confirmation from the court

 

in the early days, welcome hardly went legal

to much dirty laundry

Share this post


Link to post
Share on other sites

I couldn't tell you when the ccj was issued but i'm sure it was over 6 years ago.

 

Is it possible to find out from the courts about the ccj or would i need to get my hands on my credit file?

Edited by ben1305
cos i'm a muppet

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

do one of these free online credit checks in your case

that is if you have no past debt hiding in the closet

 

if the ccj was over six years ago, they would be very hard pressed to get any court to enforce it now it has droped off your credit file

but needs to be confirmed

 

send the dca the telephone harrasment letter to begin with

 

 

send them this

 

Harassment by telephone

 

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

__________________

 

 

my feelings on this is the dca have no chance

not even a court option

Share this post


Link to post
Share on other sites

Thanks post. I'll try the harassment letter.

Forgot to mention, I had a rather interesting phone call from JBDR on friday. They rang me (yet again) telling me i needed to agree to pay up.

Conversation went something like this...

 

Muppet.. Can I speak to Mr L***** pleas

Me.. Speaking

Muppet.... Its blah blah from JBDR

Me..... I've told you before to write to me as i will not talk to you

Muppet.... We have sent you 5 letters

Me...... no you haven't

Muppet... yes we have, the last one was sent on 25th june.

Me.... I have NEVER recieved ANY letters from you

Muppet.... What a suprise that you dont recieve letters about your debt

Me..... Actually i get letters about debts just not from you.

Muppet.... You lying

Me..... EXCUSE ME???

Muppet..... You'ra a liar. You have recieved them as we sent them.

Me.... prove it....

Muppet.... You're a liar

Me...... IN WRITING.... click.... i put the phone down.


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

thats the way to deal with them

from now on keep a log of the calls

record them if you can, you are allowed to and not tell them

 

send recorded delievery

 

let me know asap if the ccj or default if any is off your credit file

 

they are realy chancing there arm this lot

prob got the account for pennies knowing they have no chance to enforce or collect

Share this post


Link to post
Share on other sites

until the harrasment letter kicks inn

 

tell the dca you dont acknowledge any debt and as usual every thing in writing and just put the phone down

Share this post


Link to post
Share on other sites

thank my old pal cyber for this:-)

 

AFAIK whoever owns the debt has to apply for enforcement, but I seem to remember reading somewhere that if a DCA buys a debt which has a CCJ they have to enforce it within 6 months, no doubt someone will correct me.

forumbox_top_left.gifforumbox_top_tile.gifforumbox_top_right.gifforumbox_left_tile.gif

Share this post


Link to post
Share on other sites

just signed up for my credit file (and my partners) with experian.

so now all i gotta do is wait.

As soon as I have it I'll letyou know whether the ccj is still there and if so how old it is.

Thanks for your help so far post!


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

Just another bit of info for you...

The ccj was registered against me at a previous address not my current address (moved twice since ccj). will this have any effect on the enforcibility of the ccj?

any help is greatly appreciated.


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

if the n1 claim form was served at a previouse address with out your knowledge

 

thats grounds to have the ccj set asside. like it never happend

 

common tactic that with our dca friends

  • Haha 1

Share this post


Link to post
Share on other sites

would that be possible even with the length of time passed?


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

the ccj is still active

its just the permission of the court would be needed to enforce

we will put the set asside on the back burner for the moment

its not needed

Share this post


Link to post
Share on other sites

cool. Just for my info does it matter who had the ccj made against me?

eg if welcome ccj'd me would the dca be able to act on it?


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

thats the point

it seems the ccj is over six years old

they would need the permission of the court to enforce

as its been so long

no chance

 

thats why welcome have floged it to the dca

 

as stated

if a dca does not start enforcement action with in 6 months of the debt assignment

 

they can then swing for it

Share this post


Link to post
Share on other sites

Deleted

Edited by ben1305
I'm an idiot lol

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites

I remember telling a dca to prove they had a legal right to recover the debt and heard nothing. then after years this JBDR (who specialise in recovering unrecoverable and old debts) turn up out of the blue.


My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

Share this post


Link to post
Share on other sites
thats the point

it seems the ccj is over six years old

they would need the permission of the court to enforce

as its been so long

no chance

 

thats why welcome have floged it to the dca

 

as stated

if a dca does not start enforcement action with in 6 months of the debt assignment

 

they can then swing for it

 

 

DCA will be granted permission within 12 calendar months of purchase date,IF UNDER 6 YRS.they also need valid cca and doa.court details will still be held if within 6yr of ccj date.

 

OVER 6YRS.they will only have 6 calendar months.still need cca/doa. BUT also need court details as they are removed from central court files.

 

you need date of judgement and doa of dca.

 

imho.as post says cant see it going anywhere thats why the lemon has been off loaded to dca.

 

SAM


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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...