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    • I have debts of my own and will sort another advice separate for them as now I’m not working and a full time carer for wife & daughter I’m struggling to pay them so will want advice on letters to send them for reduced payments etc But for now I need to know what to do about PayPal as its really making me worry and is making me ill but ive got to try be strong and put on brave face for wife & daughter I dont want them picking up on something is wrong & worrying me
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Hello,

 

I've just popped over from the parking forum, where I am an avid spectator.

 

I am a carer for a lady who has mobility, and other problems.

 

A few months ago, she insured her car with a different insurer to the one that she'd had for about 5 years.

 

She acquired a "Mobility" car recently, and cancelled her existing policy, because the new car comes with insurance, which also allows me to drive.

 

However, she stopped her direct debit payments a bit sooner that she perhaps should, but realised what she had done, and sent a cheque for the outstanding amount, together with a covering letter, and an apology.

 

This letter was only sent about 12 days ago, but now she's getting phone calls from an outfit calling themselves DLC, Direct Legal Collections, [what's the "legal" bit, I wonder?]

 

The phone bit is a waste of time, as it happens, because one of her "other problems", is, that she's quite deaf!

 

I'm quite aware from what I read on the "other side" that DCA's have limited, [for "limited", read "no"] powers, but how un/reasonable are this lot?

 

Should I get her to write and explain that the debt is in dispute, and that there is no debt, it's been paid, or are they a bunch of wazzoks that will just ignore it, and send further landfill?

 

Anyone?

 

Thanks in advance,

 

Sam the Eagle


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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I would contact the insurance company in the first instance and see what they are playing at


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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OK, I'll get her to do that, thanks.

 

Sam


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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OK, I'll get her to do that, thanks.

 

Sam

 

i would do that for her if i were you if shes deaf- otherwise the phone bill might be quite steeep!

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Made enquiry - it seems that they are insisting that there is a "Cancellation Charge", of about 40 pounds.

 

Does anyone know if they are likely to take her to court for this amount; I'm more used to reading about Private Parking Companies who are all [problem], bluff and bluster!

 

Sam


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Further to my previous post, it seems that she wrote in her letter that the cheque was "in full and final payment of my account".

 

As they have cashed her cheque, with the knowledge of that statement, have they shot themselves in the foot?

 

Sam


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Further to my previous post, it seems that she wrote in her letter that the cheque was "in full and final payment of my account".

 

As they have cashed her cheque, with the knowledge of that statement, have they shot themselves in the foot?

 

Sam

 

no

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Thank you,

 

Sam


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Thank you,

 

Sam

 

sorry should have qualified that.........

 

it is not possible for one party to impose terms and conditions (enter into an agreement) with another party unilaterally

 

stating that this payment is in full and final settlement when it falls ahort of the amount owed is in effect attempting to impose a settlement on the other side

 

but as the payment is for less than that owed the other party is entitled to seize the payment in part payment of his debt

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if its just £40 it would be best to settle and move on, pay the insurance company not dlc


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Thanks, she has already decided to pay it, I understand.

 

Thanks for all advice received.

 

Sam


All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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Hi all,

 

it seems a DLC want to harass me over an alleged mortgage debt from 15 years ago. Cutting a long story short, bought as house with a mate and paid a £1000 mortgage indemnity fee, after a couple of years he buggered off, tried to transfer someone else onto mortgage but Halifax would not let me do it, struggled for a year trying to pay mortgage then got repossed. There was £20k deficit, but I was suing other party (ex-mate) as he caused situation. Had 2 letters about debt in 1994, then heard nothing until now. Had a number of escalaing letters from DLC, now upto the 'may send someone round to collect the money', wife starting to get upset and worried. My understanding is that due to the lack of contact over the last 14yrs this alleged debt is not enforceable (statute barred?) Anyone got some advice, clarification?

 

Many thanks,

 

SpursDorch

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If you have no acknowledged the debt in writing or made any payments towards it in the last 12 years (mortgages only, other debts 6 years) then it is statute barred and they know it!!

 

Send them the statute barred letter from the templates library here (letter M) http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html. Make sure you change all the references in the letter from 6 years to 12 years.

 

Send by recorded delivery - keep a copy of the letter and print off the signature receipt from royalmail website - keep safe with the letter.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Ell-enn,

 

Finger trouble on the first reply!! Anyway, thanks for the advice, I thought that was the position anyway. Bottom line is that the last time I spoke to anyone regaring this situation was back in May 1994, just after the haouse was re-possessed.

 

I did point out to my wife that despite the formal and frightening letters, all of the actions detailed in them may happen (meaning we know what the score is and are just trying our luck!!)

 

Thanks,

 

SpursDorch

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