Advice needed please. Dealing with DCA and Debt

[PriorityOne]

Hey folks, can I remind you that I'm entrusting my next moves to your advice. There is always a different point of views wherever you might find yourself, but let's not fall out over them please. I'm not worried about debt avoidance, I've been paying these people for the last seven years or more, but I don't agree with the amount they claim (they bought?) is correct.

 

Over the years I must have paid them far more than they purchased the debt for, so I think it's time to call it quits by whatever means. Please remember that these were the folks that were pushing me to pay more - only because they were afraid that I might die before I paid them! If you need to get angry, get angry at them - not each other.

 

Thanks,

Don.

 

We have a big difference of opinion Don..... it's entirely up to you how you wish to proceed.

 

Good luck in whatever you decide.

[Don Canard]

That's a shame what just happened there, I thought we all shared a common bond?

 

Anyway, update.

 

I received a letter from the DCA which informs me that they are unable to provide the paperwork I requested as the original creditor have failed to supply it. Therefore they say they are are 'closing their file'. having said that they then go on to say that I still owe them the (disputed amount) of money, and at any future time should they come into possession of the CCA I requested they will reopen the case.

 

My thoughts on this are twofold. Firstly relief of course, as other forum members suspected I now feel they were simply leaching me of cash. My second concern is the mention of re-opening the file at some future date. Even if this can't or never will happen I don't feel it is right to allow them to hold onto it. The figure they originally purchased as 'debt' owed by me is incorrect, so no matter if they did reopen the file the figure would remain incorrect and in dispute.

 

Is there any official way I can make this clear? I simply want to make sure that whatever unsatisfied debt they consider they own is not the incorrect figure that they are bandying around. I don't want to be held accountable for a sum I don't owe either now or at any future date.

[dx100uk]

so what did the cra file about this debt?

 

dx

[Don Canard]

i can't get one i don't have a credit card. I'll try and persuade my wife to give her details for one but she isn't keen on using cards over the internet.

[BRIGADIER2JCS]

You can get a £2 statutory credit report by

post and provide alternative ID evidence.

[dx100uk]

has to be your card sadly

it not for payment

but for verification only

 

not got any card with visa or debit on it

 

you'll have to use the £2PO method

 

see my sig.

 

shame you didn't do this 6 weeks ago........

 

dx

[Don Canard]

shame you didn't do this 6 weeks ago........dx

 

I'll try to get one by post then. Excuse me for being a bit thick regarding this but what exactly would have happened had I done it six weeks ago? How would I have benefit from that I mean? I know I've a lot to come to learn regarding these financial goings on so I'm still unclear as to how it benefits me to have the report.

 

What am I looking for and how would having the info earlier have helped? I suppose that's what I'm driving at. I need to know this stuff so that I can tell others without telling them wrong you see.

[silverfox1961]

Not sure if you are able to use Noddle. They are a free site although you will get adverts in your inbox

[BRIGADIER2JCS]

Your credit files are a mine of information on

the status of your credit accounts, defaults,

late payments, missed payments default dates,

last payment dates, CCJs you may not know

about, searches being made by DCAs and others.

If a debt does not show it COULD mean that it is

statute barred.

[Don Canard]

I have just used my bank account debit card on that noddle site mentioned above and it worked. I found that I have a good credit rating, and as dx guessed there was no sign or mention of the money that First Credit were taking from me. I have indeed been diddled good style! I've been paying them back since 2004.

 

Isn't telling outright lies to glean money from folk illegal? First Credit have taken a good couple of thousand pounds off me relating to that, and the cheeky b****rds wanted me to pay more before I went and died on them! Good god what type of world has this become.

Edited February 14, 2012 by silverfox1961
swearing

[dx100uk]

i'm sorry but yet again' the get the cca mob' led you astray.

 

ok i'd write a stern letter to all those that have been fleecing you demanding the money back

 

cant hurt.

 

not sure an sar to each OC night help, if there ARE penalty charges within 6yrs you can get back

or PPI, if there ws ppi then thats still up for grabs as there is not time limit.

 

but the 6yrs rule for holding paperwork might work against you.

 

dx

[BRIGADIER2JCS]

I know DX and I get some ''stick'' for recommending use

of the CRAs, they are a useful tool for everyone in debt

or not!!!!

[chattanooga]

I have just used my bank account debit card on that noddle site mentioned above and it worked. I found that I have a good credit rating, and as dx guessed there was no sign or mention of the money that First Credit were taking from me.

 

Bear in mind that noddle/callcredit are the least used of the three main agencies, I have several debts that don't show on that one but do on the others so don't take noddle on it's lonesome as gospel.

[silverfox1961]

Bear in mind that noddle/callcredit are the least used of the three main agencies, I have several debts that don't show on that one but do on the others so don't take noddle on it's lonesome as gospel.

Agreed but rather than sign up to Experian and Equifax online, just fill out the paper forms. Ok, it will cost £2 each but I much prefer it to the 30 day 'free' trial that if you forget to cancel, you get stung.

[chattanooga]

Absolutely, I only use noddle because it's free and as a true Scotsman it's impossible to resist

 

On a related note, I see you have said on several threads about getting bombarded with ads if you sign up for noddle...I have to say I've had none, not a dicky bird, admittedly maybe it's because my credit rating is so bad that NO ONE will sell me anything financial

[silverfox1961]

Give it time. Since I signed up, my spam folder has more than trebled with ads. I do get one from Wowcher which I know is passed on from Noddle

[chattanooga]

I used a unique email for them so it'll be easy to see if they start spamming me. Although they've had plenty time, I was part of the first trial wave of applicants.

 

I reckon they see me as a hopeless case

[dx100uk]

yea i'd agree with them:lol::lol::lol:

 

dx

[chattanooga]

Oi!