Jump to content
  • Tweets

  • Posts

    • And as for “what if I get sick the last week” (or those last three days)......   well, you’d get sick pay. Would you go into your new workplace?   HMRC may not be bothered by 2 overlapping jobs of course, but if NHS CFS (counter fraud And security) noticed that either: a) you were claiming over-lapping sick pay for 2 jobs, or b) you were claiming sick pay for one job while well enough to turn in for the other: expect them to view at least one of the sick pay claims as fraudulent!   if you annoy your “difficult” manager : they might be difficult enough to highlight it for the local NHS CF specialist
    • Hello, Can someone advise if the attached is a valid charge please?  I had parked in the car park and paid but then got delayed and have ended up with a ticket for parking longer than I should have done.   I know they will refuse the appeal but is this charge enforceable?   Charge Notice.pdf
    • The dealer is called Carwise in Epping. It's not the most established of premises. When i was there i'd say there was about 10-15 cars inside and an office. I've seen these reviews of them which seem to replicate my experience. https://www.cardealerreviews.co.uk/dealership/hr-autos-epping-essex-england (note previous name). It's quite worrying.    
    • To me, it isn't just about social distancing and hygiene measures. I'm far from the first to say it but until there's a reliable track and trace system, I don't think this can be managed properly.   Children may not suffer as much as adults, although some do, they can be asymptomatic and pass on the virus to the rest of the family.   https://www.walesonline.co.uk/news/uk-news/lockdown-david-king-second-wave-18739973
    • When will most schools actually re-open in September ?   And when they open, will they be providing teaching over the number hours 9am to 3pm  ?   I am thinking of the school I attended, which was a large Victorian building, with many modern extensions.  The classrooms which could accommodate about 35 Children elbow to elbow, will only be able to accommodate 20 at the most with any reasonable distancing.   Or does the whole class  of say 35 stay in a bubble and the teachers move around to teach the different subjects ?    I can see many schools opening later in September, not for all pupils for all days and not doing the full hours.   This is going to be very difficult to manage for all those concerned, including parents looking to return to work.     
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 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 
      • 16 replies
Go Get Em Floyd

For a credit card debt to be sold on does it

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3658 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

have to be first defaulted, then terminated and then and only then can it be sold?

 

I have a default letter, it roughly corresponds to the date of the default added to my credit file (but was added by the DCA not the original creditor)

but no termination letter. What I have after the default notice is a few months down the line a letter from the DCA stating that they own the account and to pay them?

 

Would therefore the account have to have been terminated for the DCA to then take up the reigns?

 

Also, is there a particular format the DCA must write to me in when stating that they've purchased the debt?

Share this post


Link to post
Share on other sites

Hi

 

A little clarification for you.

 

When you see a DCA's name next to a default on your credit file, their name will have replaced the original defaulter, the original creditor.

 

There is no prescribed format to an assignment letter but according to the Law of Property Act, assignments should be sent by registered post (Recorded Delivery in modern times) and I bet they never did that

 

The best thing you could do is to SAR the original creditor and check your account history when it comes back to see what has been done to your account.

 

In answer to your first question, yes.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Share this post


Link to post
Share on other sites

Thank you for clearing up some of that. It has been over 6 years since hearing from the original creditor, I have assumed (rightly or wrongly) that since the DCA wrote stating that they owned the debt that they indeed owned the debt but after sending them a subject access request I can see nothing within it that shows where if any there is communication from the original creditor and there is nothing by way of a credit agreement from the original creditor. At the very least I would have expected sight of the original credit agreement.

Share this post


Link to post
Share on other sites

sometimes, when you send a SAR they will state that copy agreements are not covered by the DPA1998.

Your option in that case is to send a CCA request to them.

 

There is an issue with banks in that they are obliged to keep account information for 6 years after an acount is closed so whether they will have all the info you require is uncertain


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Share this post


Link to post
Share on other sites

When did you last make a payment or acknowledge the debt in writing, if it was over 6 years as you stated then it is Statued Barred.


I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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...