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VOLVO v Moorcroft (Nationwide credit card)


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Hi

 

Have a credit card from nationwide going back to 1988 and have sent them a section 78 cca with no success and they have stated no agreement available and sent t & c's which only relate to mid term of the credit card usage.

 

However i have now been advised by moorcroft and nationwide that moorcroft have been asked to collect.

 

Sent moorcroft a letter advising nationwide in default of my cca request and that they return account to nationwide.

 

moorcroft have replied account on hold whilst they contact nationwide

 

VOLVO

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ok great

 

no cca = no pay!

 

have you ever thought of reclaiming

 

and deos this debt show on your cra file?

 

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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Hi dx

 

Yes they have registered it with the CRA's.

 

I have stopped payments and told them no payment until cca complied with.

 

If i reclaim, does this acknowledge the debt?

 

VOLVO

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whendid you stop paying

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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it wont as such ack the debt, but anyway you've done that till last year anyhow

 

if the reclaiming wipes the debt

problem solved

 

PPI , PENALTY chagres .

 

do you think you have stuff to reclaim.

 

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

  • 1 year later...
ok great

 

no cca = no pay!

 

have you ever thought of reclaiming

 

and deos this debt show on your cra file?

 

dx

 

 

Just recieved notice from CCS on Nationwide letterhead that account has been passed to CCS as nationwides agent to collect outstanding balance.

 

Also, just recieved letter from CCS advising me to contact them to agree a repayment programme.

 

Replied advising return account to Nationwide until they comply with my original CCA request

 

VOLVO

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passed or sold?

 

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

passed or sold?

 

dx

 

Hi,

 

Apparently just passed to and not sold, althought they previouslt passed to good old Moorcroft who returned it to Nationwide after a previous letter cvoncerning non CCA compliance.

 

This is a prior to April 2007 agreement so i guess as Nationwide have previously confirmed in writing that they have no records (circa 1989 conception) then i stick to non cca 1974 sect 78 compliance for the credit card.

 

VOLVO

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