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Gothia - advice on approach please


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Hi

 

I have a debt that originated Jan 2010 (pay day loan type) that I defaulted on, now being chased by Gothia - aka Red Castle Recoveries.

 

As it falls post the 2007 benchmark date, don't think there is any value in requesting CCA as it would be enforceable without one if my knowledge is correct?

 

I seem to recall that there is other evidence that they might need to produce in order to enforce - notice of assignment?? Is this worth pursuing via a SAR or does this stuff not apply either to a debt this recent?

 

Would be grateful if anyone could advise if this approach is worth pursuing or should I just make an offer?

 

Many thanks in advance

 

redminx

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i'll move this to the payday loan forum

 

i think you only need to offer the outstanding + 1 month

 

have a read in this forum.

 

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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Gothia tend to make all sorts of half price offers etc if you refuse to pay them. One of the easiest for coming to an arrangement with. They don't seem to fancy the court route from what I have seen.

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