Can you deal a better final full discount with DCA's like Lowell etc?

[citizenB]

They cannot send a statutory demand for under £750.00 !!

[somethingelseplease]

Some of my debts are over £1000

 

How would I know if a Statutory Demand is legit and real and definitely not to ignore it ?

 

Has Lowell,Red or whatever they call themselves sent out a legit SD demand?

 

Once I thank everyone for the help I'm receiving, I'm totally new at this and would certainly have paid the 50% if it hadn't been the help from here....I would have regretted it later

[somethingelseplease]

This one was from Fredrickson which obviously isn't a part of Lowell....I think ?? anyone can clear this up (seems strange to get this from them and yet Lowell still manage to send one out from themselves)

 

It was a yellow card posted 5" x 4" size

 

Edited August 6, 2012 by somethingelseplease

[MrHat]

Another threat-o-gram

[dx100uk]

got/had loads of those

 

ignore!!!!!!!!!!!!!!!!!

 

dx

[citizenB]

This one was from Fredrickson which obviously isn't a part of Lowell....I think ?? anyone can clear this up (seems strange to get this from them and yet Lowell still manage to send one out from themselves)

 

It was a yellow card posted 5" x 4" size

 

 

How was this received ? In an envelope ?

[somethingelseplease]

It was just posted the way it was

[citizenB]

Please, report that to the OFT. They are NOT permitted to embarrass you in that manner !!

[somethingelseplease]

Ok how do I report them?

 

Thanks

[BRIGADIER2JCS]

You can download the appropriate form from the OFT website.

[LostAtSea]

I greatly respect the fact that you want to pay off your debts

but please consider who you are dealing with.

 

DCA's pile misery on people, using any and all underhand, immoral, if not illegal tricks in the book.

 

You owe it to your self and others in similar positions to make these people jump through any and all hoops you can legally find.

 

You have a right to ask for coppy's of CCA's and they are legally required to provide them.

 

If you have been miss sold PPI you can and should reclaim it.

 

If you find unfair charges you need to reclaim them

and once you've done all that you can sit back in a position of strength and consider offering a full and final.

[somethingelseplease]

Hi guys,

 

Sorry to bump this back up but ....

 

Did I read somewhere about credit agreements being taken out before or on 2007? Was there a factor to consider?

 

I have just looked at one of the accounts in my email and it the confirmation email was on the 30/09/2007

[somethingelseplease]

Ok I've just had a reply back from Michelle (Team Leader) Lowell

 

Mr Saxo

*

Thank you for your reply to my e-mail, Unfortunately I am unable to send you confirmation as requested by you to update your credit file as “SETTLED” as this is going to be fully Satisfied it will only be partially Satisfied, so we cannot update this otherwise, as we have to reflect the correct details* on the credit file.

*

I can advise that this would not be sold onto any other company once this has been paid, and that this an agreement between yourself and the Lowell group, and am happy to put this a letter for you

*

If* you have to go down the Bankrupt root due to this I am sorry that you feel that way, but we can not change the details unless this is paid in full.

*

Please advise if you still require a letter for the things I can do, or if you wish to pursue the bankruptcy root please let us know.

I look forward to hearing from you, so this matter can be resolved.

*

Kind regards

Blah blah

[gust]

if they strike a deal with you for 50% then the agreement is to pay THAT figure off - so you would be paying 100% of the AGREED amount surely?

 

if you bought a TV with 50% off from the original price, you have fully paid for it. not partially paid for it.

 

would this not be the same ?

[dx100uk]

no point in wasting your money then

 

ignore them

 

dx

[IdaInFife]

I would be different from dx and gust - not saying that they are wrong but i did what you did just to get rid of them all - I wasn't bothered about my credit file as it was defunked anyway with defaults and such,.

 

I did exactly what you are trying to do.

 

I was happy with the settlement figures and as long as I had it in writing that no third party could come after me for the rest - I paid them all off and glad i did.

 

Really it's now up to you what you do we cannot say what is in your best interests only you can determine that.

 

You have all the info you need and need to determine what you feel most comfortable with.

 

It is a hard decision

 

Ida x

[somethingelseplease]

What companies were you with and did you haggle with a discount?

 

Thanks for your advice

[IdaInFife]

Hiya - think most of the dca's that are around and more than 1 account with most as well.

 

I got anything between 30 - 50 % to pay off them - i wrote to them all offering 20% and then they all came back with what they would take,

 

but as above it has to be your decision what you feel you are most comfortable with

[citizenB]

I would be different from dx and gust - not saying that they are wrong but i did what you did just to get rid of them all - I wasn't bothered about my credit file as it was defunked anyway with defaults and such,.

 

I did exactly what you are trying to do.

 

I was happy with the settlement figures and as long as I had it in writing that no third party could come after me for the rest - I paid them all off and glad i did.

 

Really it's now up to you what you do we cannot say what is in your best interests only you can determine that.

 

You have all the info you need and need to determine what you feel most comfortable with.

 

It is a hard decision

 

Ida x

 

I have to agree with Ida, if you have confirmation that they will NOT sell on the debt then for them to do it at a later date would cause them no end of grief.

 

You could, as a safeguard, send a Subject Access Request and specifically request the transcripts of the telephone calls and any other communication in respect of this particular issue.

[gust]

when did you send your CCA requests?

 

have they responded yet?

Edited August 26, 2012 by gust

[somethingelseplease]

when dod you send your CCA requests?

 

have they responded yet?

 

Nope no response yet and sent them on the 10th I think it was

[gust]

you need to send in dispute letters then as they are in default of your legal request

 

use this and amend to suit

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

print copies for yourself too and send recorded.

 

they cannot collect until this is satisfied

[somethingelseplease]

Hi Gust

 

I had a look at the letter and mate.....I'm confused as to what needs deleted lol

 

Looks really good though, does this mean they can't collect until they send the agreement or does it mean they can't do nothing now?

 

I have also went onto the Royal Mail tracking and been only give this:

 

Your item with reference ********** was delivered from our HOLBECK Delivery Office on 13/08/12

 

But I can't find where you view the signature of the person who signed for it

 

EDIT: It's ok found the signature

Edited August 26, 2012 by somethingelseplease
edit

[gust]

just send it all but amend the dates pretty much

[dpick]

These days it means that they can do anything short of taking you to court, though they will try that if they think you do not known they should not.

 

dpick