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    • Hi Thankyou for your response    yes it is ! I sent of a SAR and within the comms Log Lloyds advised PRA  no CCA or paperwork available  .  hence account unenforceable.   The default is listed as PRA so does that mean it’s active ?  I can’t see a default for LLoyds on there.  I will follow your advice Thankyou 
    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
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      We had a 10yr  finance contract for a boiler fitted July 2015.
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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I'm now in a position to offer some small f&f's to my creditors and looking for a bit of advice. Not sure of the best way to go about it as there seems to be so many conflicting information on here. Is it worth doing? Has anyone successfully had f&f's accepted? Or has anyone been hassled after f&f's been accepted? Grateful for any info please. Thanks.

Edited by Massamum
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Hi Massamum.to answer your questions. F&F well worth doing.


Many of us have made successful F&Fs and yes many have been hassled after paying F&F.


The most important thing is to ensure you write the correct letter and do not pay any money until you have in writing what your F&F will achieve.


Is your credit file trashed?


Assuming it is,you need to make your F&F offer on the strict understanding that your credit file is marked" settled in full" it would be great if all markers where withdrawn,this is unlikely.You also need confirmation from your creditor that there will be no 3rd party involved at a future date


Get the creditors agreement in writing before you part with any money,they will try to get you to pay first,DO NOT.


Bit more info on the value of your debt that you wish to F&F and what % you intend to offer,and also who with.


Regards FS

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I'd add to that - if any of the debts to be cleared are in more than one name, no other party will be pursued for the balance (unless it's and ex that you aren't on good terms with!).

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Before going the F&F route, it would be wise to know the pros and cons of doing so. Look at the link in my signature or go HERE

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

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That was interesting reading Silverfox and BB, thanks.


Thanks for the advice Firstship. My credit file was well and truly trashed a long time ago! I have five creditors and owe in the region of £55k.


MBNA debt was sold on before the date given by creditor for me to resolve so rescission of contract applies – that debt is £15k but arrears were only about £2k – any ideas of how much I should offer here?


I have a £10k loan and £5k overdraft with Lloyds that are still doing the rounds of various DCAs, I’ve been ignoring them for years but want to get rid of them once and for all.


Also a very old Lloyds credit card debt of £15k, they can’t find the original agreement but I want to offer f&f just to get it off my credit file.


And lastly, £8k on an old Egg debt that was sold on (probably for not very much).


This letter was at the bottom of Sequenci’s debt diaries (offered by Sevenhorses)


The Loan Company

Company House,

Church Street,



R1 7HG


Dear Sir/Madam


Without Prejudice


Account No: 4563210025897412


We write with reference to the money which you are claiming on the above account.


We can confirm that we are unable to offer to pay the money which we owe in full. . However, we can raise £_____ and we want to offer this as an ex-gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released from any liability.


We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as having been paid and the account closed.


Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.


We look forward to receiving your reply.

Yours faithfully

Mr A N Other


Is that enough do you think or are there any other letters out there that are foolproof? Would really appreciate some help with writing correct letter.


Thanks folks. Please bear with me, my internet access is extremely sporadic at the moment.

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The wording is important, so is the Third Party cheque, heres some info:- http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers


Also read number (7) in my signature.


At the end of the day you want to clear your debts, so a question of actions, rather then debating whether to have a go.

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i'd pay no-one nothing till you cca them & reclaim unlawfull charges / PPI>


waste of money.



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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i'd pay no-one nothing till you cca them & reclaim unlawfull charges / PPI>


waste of money.




Thanks DX. I CCA'd them all a very long time ago, some enforceable(ish), others not. Not too worried whether they accept or not to be honest as I can carry on ignoring them til the debts go SB :-) Only reason I'm doing this is to clean up my credit file. Not going to offer them very much - compensation for all the stress they caused me at the start and before I wised-up.

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The wording is important, so is the Third Party cheque, heres some info:- http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers


Also read number (7) in my signature.


At the end of the day you want to clear your debts, so a question of actions, rather then debating whether to have a go.


Cheers Rebel. I do want to get rid of them, just unsure of the best wording to use.

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  • 2 months later...

Hi Massamum , Just wondering how you got on with your F&F settlements. Did any accept ? , what sort of percentages did you offer? is there any advice you could offer as I am about to go down same road . Thank you.


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