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Step by step - can someone confirm I have the right sequence please

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Appreciate some Help.


I'm more than happy to read through instructions on each step, but I want to ensure I have the right plan in place !


Cutting a long story very short.....

I'm helping a friend of mine clear his debts, but eventually making F&F settlements.


He has approx £35k worth of debts

- Egg (Cabot) - £5.5k

- HSBC - £7.2k

- Citifinancial - £8.8k

Barclaycard - £0.75k

Barclaycard - £5.5k


All showing on CRA



My thinking is to

1. CCA request

2. SAR for PPI & Charges

3. Then make F&F offers.


Is this the correct sequence, or would it be better to SAR first & then CCA ?




1. Whats the point of the CCA if my mate wants to clear the debt ? He acknowledges he took it out & spent the money, and wants to clear it, so if someone cannot provide the agreement & it is unenforceable HOW does this help him ? - it will still stay on his file




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the CCA might well put him in a stronger stituation to offer F&F



pers i'd sar then reclaim



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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