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IF card - what to respond with next as Im puzzled.


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Sorry for posting this here as its not strictly supposed to be here but the IF section is quiet and wanted a response.

 

Have CCA'd IF for my Credit card, they responded with a Recon agreement, I sent a letter saying this wasn't acceptable and then got this back and I'm thoroughly confused as what to do next!

 

773c17cc.jpg

b0b1e22e.jpg

 

http://i7.photobucket.com/albums/y267/durtydurtydurty/Docs/773c17cc.jpg

 

http://i7.photobucket.com/albums/y267/durtydurtydurty/Docs/b0b1e22e.jpg

 

Where next?

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why are you disputing the debt?

 

was it not yours?

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Fair question, Same reason everybody is disputing there debts on here I guess. The debt is squarely mine but whilst I pay IF a fix amount every month and havent deviated from it for almost a year I think I live in the hope that they wont produce my CCA and they'll disappear and forget about me.

 

Im kidding myself I know but it doesnt hurt to try. I spent the money and whilst I could go bankrupt or do an IVA I should pay it back and 'man up' as it were....

 

Is that what you were getting at or have I missed the point?

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well it wont matter if it is un-en, the debt still exists, just that they 'might' not be able to go the court route.

 

can you outline that payment history please.

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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