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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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impact37

Credit Agreement Unenforcement Process - Clarified?

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Hi Guys,

 

I'm a bit perplexed with all the conflicting info on this and other forums. I'm Happy to make a generous donation if i can find all of this info in 1 place or links to the correct info all in 1 place for ease of use.

 

Do we have or can we put together an updated Process from start to finish for writing to credit card / credit companies with the goal of getting the debt unenforced or "written off" whatever the term is.

 

Please correct me and add more info where required, here is how i see the process / info required with my very limited knowledge.

 

 

1) Initial letter to be sent, wording and requests and what exactly are we requesting?

 

For example when i applied for my cards (used incidentally for a Sole Trader business) i applied mainly via phone or flyer application forms that you find in magazines. What would the response to my request be to this? Please cover this scenario.

 

2) Payment to be sent with initial letter.

 

*some posts say send £1 postal order with the letter and some say, £1 + £10?

 

 

3) Detail the time the credit company has to respond with the requested info before we need to respond or whatever step 2 is?

 

*some posts say they have 12 days, some say 21 and some say 30 days?

 

 

4) Subsequent steps when we get the required info enforceable by the credit company or unenforceable in our favour?

 

 

 

Thanks

Ian

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there are step by step instruction & FAQ's on the homepage

or use the search in the blue bar above.

 

CCA request is £1 and they must comply in 12+2 working days.

 

and SAR is the otherone that gets you all the paperwork/statements they have on you to assist in reclaiming unlawful charges/PPI if mis-sold. thats £10 per Co. & they have 40 calendar days.

 

dont get too drawn in by the rubbish of all these claims co's on the TV and the web.

an unenforceable CCA is not some magic bullets that instantly wipes debt away.

 

http://news.bbc.co.uk/1/hi/business/8393768.stm

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hey Dx,

 

12 + 2 so you mean 14 working days. What significance is the + 2?

 

Cheers

Ian

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"there are step by step instruction & FAQ's on the homepage"

 

point me in the right direction dx can't see the full process as requested.

 

Cheers

Ian

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Don't forget this is a learning exercise and if you end up in court its' you that needs to be able to present the legal argument in your defence...so whilst an A-Z templated process sounds wonderful its ain't that easy as the DCAs break the rules and DJs don't understand them.


Live Life-Debt Free

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hi, can anyone help, i have exhausted every avenue trying to obtain a true copy of signed credit agreement from barcalycard, sent the £1 - never got a copy sent a subject access request £10 - never got a copy, but got all letters and statements and telephone records (no correspondance of sending my details to all 3rd party debt collectors and credit reference agencies) or a full explanantion of as to why they sent my details to 3rd partys as requested. debt collectors are still sending letters to inform me of doorstep calls to valuate my property for the taking even though i sent the appropriate letter stating under common law i withdraw the right for them to visit etc.. i have explained in writing these actions are unlawful as barclaycard have let the account into a default situation and have passed my details unlwafully and they are acting unlawfully on barclaycards behalf etc, but they are ignoring everything, but the debt collectors recently sent a letter stating that they have "great news" they will reduce the amount of debt if i contact them for a one time settlement offer !!! well since i have had unlawful charges and interest added since the account fell into a default situation they can JOG ON !!!! But is there anyone with any advice ? oh i have always stated in all correspondance to hte debt collectors that they should let a court of law deal with this and to inform me of the court date and time so that i can attend the hearing but i have never had any mention of this in any correspondance recieved from them just demands for payment. can anyone help me with this, thank you so much x

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hi, can anyone help, i have exhausted every avenue trying to obtain a true copy of signed credit agreement from barcalycard, sent the £1 - never got a copy sent a subject access request £10 - never got a copy, but got all letters and statements and telephone records (no correspondance of sending my details to all 3rd party debt collectors and credit reference agencies) or a full explanantion of as to why they sent my details to 3rd partys as requested. debt collectors are still sending letters to inform me of doorstep calls to valuate my property for the taking even though i sent the appropriate letter stating under common law i withdraw the right for them to visit etc.. i have explained in writing these actions are unlawful as barclaycard have let the account into a default situation and have passed my details unlwafully and they are acting unlawfully on barclaycards behalf etc, but they are ignoring everything, but the debt collectors recently sent a letter stating that they have "great news" they will reduce the amount of debt if i contact them for a one time settlement offer !!! well since i have had unlawful charges and interest added since the account fell into a default situation they can JOG ON !!!! But is there anyone with any advice ? oh i have always stated in all correspondance to hte debt collectors that they should let a court of law deal with this and to inform me of the court date and time so that i can attend the hearing but i have never had any mention of this in any correspondance recieved from them just demands for payment. can anyone help me with this, thank you so much x

 

 

you need to start YOUR OWN thread

 

not hi-jack someone elses.........

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I'm going through a solicitor guys, thanks for your help.

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to dx100uk

i am so sorry i have annoyed you, i am new to this site and have obviously trodden on your toes. once again i apologise and thank you for your kind and nicley worded response, thank you so much for help, i hope no one helps you in the same way. jadey1972.

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to dx100uk

i am so sorry i have annoyed you, i am new to this site and have obviously trodden on your toes. once again i apologise and thank you for your kind and nicley worded response, thank you so much for help, i hope no one helps you in the same way. jadey1972.

 

:eek:

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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