My Debts & Various DCA's & Letters

[willtheywontthey]

If an OC ask for money and you ignore - you then get this OC's 'in-house' collector hassling you - is the inhouse collector then a dca or not? Is the inhouse collector allowed to default you etc\/

 

Is the inhouse collector then part of the OC or separate company. think most inhouse collector have set themselves up as separate legal entities so the inhouse part doesn't really apply then does it - it's the same as any other dCA?

 

I have Mercers in mind. They apparantly are barclaycards's inhouse collector but then again they are a separate Ltd.

 

Then we have other DCAs which may not be separat legal entities to 'mother' company?

 

Can anybody then explain what difference is - if any? Also how does this ffect sar, cca or anything else?

 

At moment I have Mercers assling me but I do not want to reply to them. Debt not sold to them nor passed on. Had no news from Barclaycard so do not see why I should reply to Mercers if that makes sense?

 

Also added to that Mercers now writen to say they 'will' a local dca to collect payment. is that allowed? - they 'will' and to 'collect' payment rather than 'may' and 'discuss'???

 

Also should Barclaycard not have warned me that Mercers would be writing / hassling?

 

Have noticed that Mercers say that they have not been able to 'contact' me which is no quite true - I just have not replied.

[willtheywontthey]

I've got debts, please buy my kidney - Times Online

[nuke em]

I've got alleged debts, please provide proof of claim!!!!!!!!!!

[angry cat]

SHOCKING!!!!

 

Faced with mounting debts and a two-year-old daughter to care for, James Smith felt forced to consider drastic action. So the British nurse has been advertising one of his kidneys for sale on the internet."

 

How, can anybody be put into this situation?

 

Good Grief, what has is come to when people even contemplate such things?

 

Holds head in hands...

 

Is GB/UK really akin to a third world country?

[Undercover-Elsa]

Dear Me!!

Why not offer everything from one side..eye, lung, kidney, ovary etc

as a 50% full and final....

[debt4get]

Dear Me!!

Why not offer everything from one side..eye, lung, kidney, ovary etc

as a 50% full and final....

they only except hearts...they are in short supplies at dca's

[dcakiller]

That will be the next thing in the threat monkeys script to encourage you to selll organs to pay them "you could sell kidneys,liver,lungs or spleen and pay us off"

[willtheywontthey]

Is a NOA basically the document that notifies you that a dca had bought a debt.

 

Which party sends it?

 

When do they have to send it and how (in person / registered post?)

 

Does it have a set layout / wording?

 

Are there other types of 'assignments'?

 

How can a OC or DCA mess up this part of the process - if at all? Any snippets of a law anywhere that clarifies?

 

Thanks.....

[Blue Boo]

subbing.......

Edited September 27, 2009 by Blue Boo

[Pinky69]

The law covering assignments is the Law of Property Act 1925 S136. It's not that DCAs get it wrong - they and the assignors just don't bother about it at all. You have been around long enough to know now that consumer law is of no interest to banks and DCAs - they just do what they like in the hope the customer won't know any better.

[minmac]

This is a tragic story and just proves how desperate people are, in these terrible times.

 

Although I have never considered this I have sold plenty of my homely possessions this year after I was made redundant just to get by.

[Blue Boo]

Sorry for any problems caused i was just trying to help, Ive been looking for a template letter for request for a NOA myself,but could not find one so i picked this from another site. Is the information in the above post completely incorrect Then?

Thanks

BB

[vint1954]

Is a NOA basically the document that notifies you that a dca had bought a debt.

 

Which party sends it?

 

It has been said on CAG, that either party can send it. I would have thought personnaly that the original creditor would have tro send it. If I sent you a letter stating that you had to pay me now instead of MBNA, would you?

 

 

When do they have to send it and how (in person / registered post?)

 

I beleive it is supposed to be sent registered post.

 

Does it have a set layout / wording?

 

Unsure

 

Are there other types of 'assignments'?

 

I beleive the 2 types are simple and absolute. The first can be returned easily to OC, if it does not pan out.

 

How can a OC or DCA mess up this part of the process - if at all? Any snippets of a law anywhere that clarifies?

 

Thanks.....

vint

[loobyloo85]

A notice of assignment is where a debt owed to a party is assigned (sold) by that party to another. The party who owes the money then pays the new lender. Notice of assignment of a debt should be in writing. and issued by the original creditor.

[vint1954]

Dear Me!!

Why not offer everything from one side..eye, lung, kidney, ovary etc

as a 50% full and final....

Or a pound of flesh. Ring a bell?

[kiptower]

merchant of venice

[willtheywontthey]

thanks one and all.

 

Pinky - yes I have just about realised that they all do what they want regardless but I do like to keep 'on the ball' regarding whether they are flouting some law or another - it all adds up for the defence for when I need it in court if at all.

 

1925 law eh.... lol

 

any clues as to where I should look within that Act? ( Law of Property Act 1925 S136)

 

should NOA go from OC to the DCA they sell it to or to me?

 

How come an OC can sell it to a DCA and then get it back again? Does that mean they sell it back or sale is 'reversed' ie void?? Is that then another NOA each time it is 'sold'?

 

am very confused.

[dcakiller]

Doorstep collecters will now be replaced with organ collectors( maybe I should not give dca's any ideas)

[Rooster-UK]

Well it couldn't be done in this country, it's illegal to sell organs in the UK.

 

I have a heart available, one owner; 75% working, but one leaking valve.

Also a pancreas, but it will make you diabetic as it produces no insulin.

 

Offers on a postcard to.........

[dcakiller]

I do not think dca's understand can't be done and illegal.

[cashins]

should NOA go from OC to the DCA they sell it to or to me?

 

It must come to you and it is considered served if sent by registered post and not returned by the postal service. This must be done before any legal action commences.

 

David

[willtheywontthey]

and they are not breaking any OFT guidelines regarding 'further borrowing'!

[willtheywontthey]

so to get a letter from a DCA they have bought the account is NOT the NOA? Basically got diddlysquat from OC. First I heard was letter from the DCA.

 

What is it the DCA 'gets' from OC then - if I SAR the DCA should I get a copy of this whatever it is.

[Rooster-UK]

"...........we can, of course, consolidate all of your loans into just one brain"

[willtheywontthey]

Should I be getting monthly statements once an OC has defaulted the account? It seems I'm getting statements off some OCs and none off others. Some are adding late payment fees still. Some have written to say they have terminated account and still they put in late fees eg RBS / Mint. They have all defaulted the accounts as far as I know. (Need to SAR Eexprian to find latest).