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    • @Andyorchnot what I have seen as all parties have signed for Sponser to be100% liable for fees.   @dx100ukthats what I thought it sounds like to be fair.
    • During that time my credit rating was shot yeah.    I got caught in a cycle of small payday loans with Sunny. I had an arrangement to pay with the company sunny sold the loans to.    I put in a irresponsible lending complaint and about 2 years later I won this and sunny paid me back a large chunk of what they loaned me. (had the choice to deny and push for more, but looking at it now I did the right thing)   I remember  going for the 118 loan at the time and was amazed I got it.  Then when I paid for a good 6-8months on the 118 loan I got offered the "loan top up" for another £1500. Which I of course I took 🙄.  I eventually got the total owing down to 2k (which is now 3.2k with AZ) but then ran into payment problems.    To answer your other question I have not paid any other DCA any monies.  Right now this 118 debt is the only debt I have.    Surely if I dont act quickly the likelyhood of the pushing  a CCJ is greater? Or do you believe because the debt is "toxic" that it wouldn't get that far?    Thanks again for your help. You wouldn't believe how much you have calmed my anxiety and stress. 
    • Allegedly ......Well thats something for you to address within your statement backed up by evidence by way of exhibits...I have had to edit your previous post referring to this amongst other remarks please refrain from making these statements within your posts and putting the forum at potential risk of liable remarks.
    • Yes she is the sole owner of the house.   swift are horrific, they are so horrid and I am desperate to help her in any way!    I will get these forms completed and I am prepared to battle and fight if needed.    thanks so much talk soon. 
    • Thankyou -    i shall do as advised , any tips or tricks to make sure summary judgement avoided    for instance , I read judges don’t like to award judgments when edit complex matters are involved etc , so that would a clear point to provide evidence on - with the falsified debenture affecting execution etc 
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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.
       
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      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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My Debts and my journey into and after failed IVA..


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cnt see any indication of what the devil the IVa company were upto in court just because the IVA failed.

i can see it was done thru PayPlan, bit it wouldn't have been payplan that did it

some fleecing mob like Harrington Brooks or alike.

 

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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they are not 'entitled' to anything now and since the failure never were.

the IVA failed. so did any obligations eitherway.

 

it doesn't use that word at all.

 

read it properly.

 

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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The gist of this is that I made a PPI claim in respect of an Egg loan and although the claim was upheld,  the letter I received stated that the funds I would be forwarded to my Practitioner as I am currently in an IVA or declared bankcrupt. This is incorrect information and although I asked where they obtained this information, they did not respond to the question. 

 

It was only after re-reading the letter months later after reading an article online, (it was received in December 2019), that I decided to write to company.  They have written back to me stating that I need to contact Paypal regarding this as they contacted Paypal and they have stated that the 'redress from the complaint belongs to them'. The amount award was over £4000.

 

As I am no longer in an IVA how can this be the case and what can I do?

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if this was Canadian Square operations the refund is coming from?

they very often make mistakes

like trying to pay YOUR PPI refund to a DCA that had latterly bought a debt.

 

the IVA failed in 2013!! thats +7yrs ago.

 

please dont let them get away with this as that money wont go off your debts anyway as all will now be statute barred anyway and the money will go into someone back pocket!!

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 most certainly NEVER use resolver

they are getting far too friendly with banks now

 

you need to exhaust CS's complaints procedure 1st before you can involve the FOS.

 

can we see this response in PDF please.

 

you need to complain, it's not on !! nor correct.

 

 

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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pay pal?

 

CS cannot pay your PPI to anyone bar YOU , the IVA failed +7yrs ago.

you need to complaint to CS about this.

get them to state WHERE is any legislation it states they can pay a PPI refund to a IVA provider whereny it failed +7yrs ago

 

there is NO legal remit that exists even IF the IVA were completed ....it was +7yrs ago and is totallY dead now.

 

 

 

 

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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