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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 
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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.
       
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      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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def!!!

 

dx

:lol:

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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help needed on one point my wife had ccj in june 06 never been chased for amount of ccj it is coming off credit file soon but we have now started to get letters from a dca about the amount before it went to court in 06,we have no idea who it was for,is there any advice you could give us to get this sorted out,we only found out about the ccj when looking recently at credit file

 

to stop confusion

i would start a new thread on this one

but i'd sit on your hand

the dca will know nowt about the ccj

 

dont tell them!!

 

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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So RW needs to go back to court and have themselves substituted as the owner of the debt? I am writing to Barclay in Leicester to see if they can dig anything up.

 

Something funny did happen when I last done my enhanced CRB (criminal records check) for Portsmouth City Council for my work, I was asked to attend Waterlooville Police station to have my finger prints and DNA taken? When I asked why - they said there is another person with matching details who committed a bugulary locally and lives in my town with my name? Obviously he doesn't have my fingerprints. There could be some foul play maybe?

 

I will wait until Barclay get back to me with regards to account info they have or what I might have got up to in a parallel universe that I was not party to.

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the CCJ will be NOTHING to do with anything crimibal

it 'was' a civil debt.

 

to be honest

i'd not be writing or contacting anyone anymore

 

the real issue here is your continued phone conversations with robbersway

 

you got them thinking they could spoof you with a little more BS.

 

they will NEVER EVER put in writing the garbage they state on the phone

to spoof debtors into paying.

 

i one saw a post here recently that stated a whopping 75% of a DCA's income

is on debt they had no legal right to collect on.

 

DONT be a mug anymore

 

ok

you didn't know about CAG then

 

but you DO NOW.

 

ignore any futher comms by WHATEVER method.

 

and get on with your life

 

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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Share on other sites

RW have got their phony solicitors to send a letter saying that this debt is not statutory barred and it will not be going away.

 

It also says I should make a payment offer within 14 days.

 

I still do not aknowledge this debt is mine nor am I offerring them something until they have been back to court

and had the debt resubstituted in their name right before the judge chucks it out for being so delayed in claiming it.

 

Barclays still have not come back to me to shed any light purely because I think they can't?

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ignore

 

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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You are doing the right thing, if they cannot prove it is you then they should shut up.

 

You can now report Barcalys to the Financial Services Ombudsman and Robbers Way to the OFT and Trading Standards, tell them they are abusing their position, demanding money with menacies and without proof you are the actual debtor and generally harrassing you to the point of despair.

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