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    • Hi unclebulgaria67,  yes this is a review,  she doesn't really see the GP much as such, its only med reviews and if she is unwell apart from the diagnosed illnesses, she sees nurses for the diabetes checks etc, there is nothing new they can offer her so its a matter of managing and getting through the best she can, which is where I come in as her carer.  She had 12 months cbt for bipolar back in 2009, there are no new things added to cbt so there is nothing they can teach her there, her fibromyalgia is treated with pain relief, there is no nhs physical treatment as only a specialised massage is thought to help but the relief is short lived so the nhs don't provide it (understandably) there is no cure for the condition and we have tried everything.  I will just do my usual best and be there for any assessment which I will request is recorded and hope for the best. Thank you for replying.
    • I have not used a comparison site for some time now... Do they really pass your info on? When it says "we sometimes use your information for third parties to make your life better..."  Basically we just sell your data to anyone who wants it?! 
    • Well who hasn't had a few debts passed on eh?!  And who really wants to give the light of day to any of these scumbags. I accumulated 35+ yellow tickets NTK when parking at my shop premises and they have definitely ben passed on now, not that I care, because in my opinion they should never have been granted access to patrol that car park. 
    • I've asked you a number of questions in my post and you haven't addressed them. Please would you do this. It's a bit difficult having to chase people for answers all the time   Just to add to my original doom and gloom scenario, even if the vehicle is returned to you and you accept it – if it happens to you have received any parking fines or anything else during the period which it has been out of your possession, then you could also be challenged for that. If the purchaser does contact you again and you eventually decide to accept the return of the vehicle, I certainly wouldn't do it without having first ascertained the name and address of the purchaser – and verified this by some evidence – and also get a signed statement that they were indeed in possession of the vehicle from XXX date until XXX date. All very complicated and distasteful – but I'm afraid that this is the consequence of what your daughter has done
    • Not really. The signs have to go where they are practical. Every single yellow should have a time plate, and the motorist has to look for it - you can just say you couldn't see it. If it's there, and I assume the CEO took a photo of it, then the driver has neglected his obligation to find out what the restriction is before parking.   The only way you might be able to argue this is if the sign is next to a separate stretch of yellow line - eg, separated from the one he parked on by, say, a road junction or a parking bay. Every individual stretch of line needs its own sign.
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stressedoutmum!

Income and expenditure requests

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Hi all,

 

I posted last year for advice on token payment offers and had lots of success with my creditors. Apart from one...

 

They have passed the debt to a DCA. I wrote to them outlining the history of the account and offering £1 a month in line with what other creditors receive. They have requested I complete an income and expenditure form but I know I was advised before to be wary of doing this for a DCA. My question is, should I complete one?? If not, how do I respond to the DCA??

 

Thanks

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no never send them to a dca

 

only a judge can demand that

 

who OWNS the debt on your CRA file?

 

if not the DCA

 

pay the OC by YOUR internet banking site

 

they cant refuse that way.

 

i hope all your debts you are paying you've CCA'd them and they SHOW on your CRAfile?

 

dx


..

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The debt is still owned by the OC, it is being collected by a DCA.

 

I have CCA'd them and they sent an agreement that seems to be compliant.

 

I have continued to pay £1 per month to the OC.

 

Should I respond to the DCA?

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Dear Bill&Ben,

 

Thank you for your letter dated dd/mm/yyyy which I received on dd/mm/yyyy, the contents of which have been noted.

 

My offer of payment is final, no further correspondence will be entered into regarding your request for an income & expenditure form.

I have completed my own I&E and this is how I have arrived at the figure of £1 per month, which I will be paying.

 

Thank you for your attempt to view personal private information to which your not qualified to request, least of all view.

 

I look forward to your bank details in order to set up a standing order to pay this sum monthly.

 

Regards.

 

 

Just out of interest, before you send anything, who is the dca and what is this account for?

 

Do they have the legal right to collect any money on this?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Apologies, posts crossed, was making a brew!

 

If your paying the OC already, then ignore this shower, who is it?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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DCA is Moorcroft, the OC is Santander, who bought the loan from Cahoot (who refused to even consider the financial difficulty I was in unless I spoke to them on the phone(??)).

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i doubt if satans bank brought the debt

 

most prob took over cahoot.

 

have you looked at reclaiming PENALTY charges & PII

 

on ALL your acounts if things are tight?

 

have you ever looked at your CRA for about all your debts?

 

dx


..

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😄 That's what I meant!

 

No PPI and the few penalty charges have been reclaimed.

 

I got a copy of my credit file last year before the token payments. Haven't checked it recently, too scared 😞!

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log into the account online with MoorCrap and fill out the I&E leaving you with 5p for all of your creditors.

 

Moorcroft will then write to you to say they are no longer dealing with your account lol.

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