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Ready to Claim - a couple of questions

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I've gone through all our statements of which we have 90% and have calculated how much I can claim both at the interest rate charged by the cards and at the statutory 8%. But I've just got a couple of questions.

 

a) Some of the debts on the cards are now with Debt Collection Agencies - do I claim off the agency or the original card provider. On some there are Notice of Assignment on others I think the DCA are managing it for the card issuer. One was a Goldfish card which is now with a DCA when I tried to SAR Goldfish I got a letter from BC saying that they could not find any record of my account, I do have a Notice of Assignment for this one. So do I just claim this off the DCA

 

b) Do I tell them how much I'm claiming in total or do I let them work it out ? If I add the interest they charged me on the card the amount is scary !

 

c) The Mrs had a Next Directory account - has anyone had any success with reclaiming PPI.

 

Thanks

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ideally you should not claim the 8% stat on CC a/c's until/if you file court papers

however no harm in trying!

 

you claims all go to the OC.

 

as for the one from BC, if they have no record of your A/C then stop paying te DCA! they can do nowt without a valid CCA....have you cca'ed them?

 

yes include your spread sheets, shows you know what you ar talking about.

 

next as with all catalogue co's will claim they are not responsible for it, but they are!!

 

go get 'em!!

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thanks

So I include the interest I was charged but not the stat 8%

 

Do I go to the other DCA's or the cc company ?

 

I will CCA the DCA for the BC one.

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In all cases its the OC who remains responsible-even after an account is assigned.

As Dx says,section 69 interest is best left until later,however no harm in indicating that you will be looking to ask for it should it go to Court.

In most settlements without the need for Court action,its usual for the 8% to be given anyway.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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original creditor. in other words, whoever gave you the loan/card/etc.

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Sorry to bother you again - I know this isn't PPI but do I go the original creditor for charges or the DCA ?

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always the oc

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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