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    • Letter said 10 going across company, 2 from cad team. Only 2 have been scored. Essentially I would have stayed but now my position is untenable I feel, how could I go back after being mistreated like this. So yes, I want more compensation because its been an unfair process.    We don't have a union. 
    • So your desired outcome is "going, but more money"?   How many people are leaving in total? Has a union or reps agreed the redundancy terms?
    • I can certainly see why your son booked there.  The place has rave reviews from previous guests.  I'm surprised they are being so unprofessional with your son.   On their page under "Questions" they've written   Hi there! On the booking listing on the search page it says free cancellation, however when I go to book it says non refundable. Please can you confirm whether there is free cancellation on this for November bookings? Thanks!   Hello, Our cancellation policy is free cancellation upto 60 days before arrival. However if White Cross Bay has to close due to a second lockdown, we will re schedule your stay or offer a full refund.   I would suggest your son write to them through Booking.com's internal messaging system (Bookings > Owls House > Contact the property) and if they don't reply within 48 hours demand that Booking.com intervene.    N.B.  After a certain amount of time and/or a certain amount of bookings this internal messaging system ceases to work for old bookings so it might fail, but, hey, it's worth a try, it'll only take 10 minutes..   On their COVID Info. page Booking.com go on about bookings after 6 April, basically saying that after that date everyone knows about COVID and that travelling is a risk so it's a good idea to book places that offer free cancellation.  However, before that date - which would apply to your son - I'm pretty sure they had some scheme where you could cancel even if not normally allowed.  Sorry to be vague, but again this is worth looking into.   I suggest these things on a "belt & braces" basis. Obviously keep fighting to get the money back through the Halifax as others have suggested!
    • Typical defence that you would expect in response...reads rather like a witness statement than a defence.   Be wary of point 25 .....are you currently indebted to the agreement ?.....they are relying on CPR 16.6 to use a set off defence.   Andy
    • Thanks Andy - I really do need to read up!  
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Unfair Debt selling Campaign 2010


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managed to get 15 prepaid envelopes all for .......

 

sister wont be needing them so

 

enclosed a copy of oft guidelines and a brief note stating please read/learn and adhere to:D

 

signed it

NDCAD

 

SAM:pLOWELL

 

actually they were posted for a laugh,to waste their time opening repeat letters,like my sis has been getting repeat letters from them.

 

I have actually payed out for 6 letters of complaint to OFT.

 

complaints also send to MP

with a petition signed by 812

 

 

 

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:

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actually they were posted for a laugh,to waste their time opening repeat letters,like my sis has been getting repeat letters from them.

 

I have actually payed out for 6 letters of complaint to OFT.

 

complaints also send to MP

with a petition signed by 812

 

 

 

SAM:pLOWELL DETESTER

 

Important to view the humorous side SAM.

However, I note that you have also followed the serious route as well:

 

Quote:

 

I have actually payed out for 6 letters of complaint to OFT.

 

complaints also send to MP

with a petition signed by 812"

 

Hopefully, others will follow your excellent example!

 

AC

x

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  • 5 months later...

I know this has been discussed on here several times and I can't find the right threads.

 

IS IT POSSIBLE TO FIND OUT HOW MUCH YOUR DEBT WAS SOLD FOR?

 

Surely this has to be information you can obtain.

 

I can see a million reasons why companies would withhold this information, but it must be available thrrough SAR. Is it?

 

What about property law which concerns sale of debts?

 

Freedom of inforamtion act.

 

help needed, thanks.

 

In short if you know what the debt was sold for (or should I say how little it was sold) you can use this as a HUGE tool for neg. or defense.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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I remember reading something that agrees with these figures but how do you obtain documented prove of the amount after all its your debt that is being sold.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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You can't find out. Unfortunately the sale of your debt doesn't have anything to do with you, strange as it seems. Your debt is property (in effect) belonging to your creditor. They sell that property (or in legal parlance - a chose in action) and it's their business.

Besides these bin-rummaging **** won't want you to know that they onoy paid about 10% of it's value so they can screw the rest out of some unsuspecting person

I am a lawyer, but I am an academic lawyer. I do not practice as a barrister or solicitor. You should consult a practising Solicitor BEFORE taking any Court or other action

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In reality the only way to find out is to be taken to court for non-payment and to request disclosure of the deed of assignment...and then its at the judges discretion to grant or deny it. The deeds are normally for multiple tranches of debt so they'll be like a formal contract that will run into millions worth of debt sold for hundreds of thousands.

 

The notice of assignment will tell you its been sold and thats all thats required under the law of property act 1925(yep serious, thats how old and ancient this law is)

 

S.

Are You as Anonymous on CAG as You Think You Are? *Link*

 

The CAG is a free help site,should you be offered help that requires payment,please report it to site team.

 

Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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  • 1 month later...

From small acorns….

I'm gonna stand up and be counted and try to progress the quite frankly barbaric practice of selling on misery when the OC has written a debt off.

I’ve enlisted a solicitor friend and Facebook entries will pop up amongst other projects.

At this stage I not looking to change the world, but just to put the message out.

Few people understand that debts are sold for pennies in the pound usually 10p the bank has already written it off, claimed back huge tax benefits and still made money.

That’s when the real misery starts when DCA attempts to turn a profit.

It really is profit from misery and the practice has to stop, I know that most on here agree with me.

The strategy is simple educate, campaign and fight for change.

We need action not talk, so although discussion is good, suggestions put into place and coordinated assaults (Non Violent) are better.

I'm working on a few draft letters to MP's and the such, help always accepted.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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no debt should be sold if it is SB, or does not have enforceable paper work. Only the OC should be able to default you and register your information with the CRA's.

 

Possible legislation should be in force which obliges the OC/DCA to at least inform you of the default date from the OC, and the last time a payment was made towards the account. They can then ask all they want if its SB.

Edited by 247orbital
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no debt should be sold if it is SB, or does not have enforceable paper work. Only the OC should be able to default you and register your information with the CRA's.

 

I`m with you both on your campaign. Give me a shout.

 

We should at least be able to put our side to the CRA`s BEFORE they place anything on our records. The Unilateral use of CRA`s by loan companies etc. is digusting.

 

Count me IN!!! Even if it does get violent. LOL:cool:

Edited by mark1arby
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Like the link that was posted should have the workings of first draft letter soon to hit MPs it is after all an Election year.

 

How do you go about press releases highlighting the practice????

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Why not sign my petiton to stop DCAs marking your files, I believe the whole debt buying issue should be heavily legislated and stopped as it doesnt help people - only the companies and is very one sided.

 

Here is the link to my petition

 

Petition to: state that only the original creditor can place a negative marker on your credit file. | Number10.gov.uk

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Why not sign my petiton to stop DCAs marking your files, I believe the whole debt buying issue should be heavily legislated and stopped as it doesnt help people - only the companies and is very one sided.

 

Here is the link to my petition

 

Petition to: state that only the original creditor can place a negative marker on your credit file. | Number10.gov.uk

 

Signed It Days Ago!!! I agree entirely. There should be a way Wecan have our sayBefore this goes on our files.

 

Cheers, MARK

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Thanks Mark, perhaps the legislation could read

 

"A debt which has been unpaid for 3 months receives a primary default, this should NOT be placed on a customers credit rating until a further three months has elapsed to allow negotiations to take place. The letter must clearly state the following (I fully believe we need to close as many of their loopholes as possible in getting legislation drafted)

 

"On xxx date an agreement was entered into between xxx and xxx. On xxx date no payment had been received on said agreement for three months, therefore a primary default will be registered on xxx date with the CRAs..." If no payment is received after xxx date or no negotiations have taken place a secondary default will be registered on xxx date."

 

By giving three months between the two defaults it will stop them messing around and playing games... the fun then will be the next part that I have thought out

 

"Any DCA placing more than 200 secondary defaults with the CRAs during a three month period will have their files audited by an independant body to see why their collections processes have failed."

 

If people want to discuss this I am happy to start a new thread on "Proposed Legislation for DCAs..."

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If people want to discuss this I am happy to start a new thread on "Proposed Legislation for DCAs..."

 

I'd be interested in that thread, SG1. For example, I'd like legislation which forces DCA that buy a debt to a) declare how much they paid for it. b) limit the amount they can collect to say 10 or 15% above the paid price. c) and still conform to CCA regulations :-)

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I've not read all the thread but do have an opinion. I agree with what you say but if the banks were prevented from selling a bad debt what would happen. They'd simply use a DCA as a collector paying them even more for anything they collect.

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