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SD received, CAI/1st Credit/Connaughts re BOS Credit Card debt


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42, Should we cancel the dd for 160 and set up a standing order for say £60? And say that in the email?

 

To form an agreement recognised under English contract law you need consensus ad idem between the parties, that is, both parties to the agreement must agree to the same thing.

 

Your proposal above would constitute a unilateral agreement to which the creditor is not bound.

 

Set aside the SD, then re-negotiate or e-mail the creditor and request that he discuss this matter with you with a view to negotiating a reasonable re-payment plan that is within your means.

 

Kind regards

 

The Mould

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Further to my above post. If you do cancel the DD then you will also be breaking the agreement that has just been reached between the parties, the creditor will use this to his advantage in Court and argue that you make an agreement with him and then repudiate thereon, the Judge would grant his SD.

 

Kind regards

 

The Mould

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I believe this was a verbal agreement over the phone, imo could be said to have been under duress.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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lol..theyve also sent this letter...not sure what the "illness" bit is all about though? My wife only said she had to stop work as our son was out of school for a while with his autism???

any way...it looks like a "mini" victory for now...should we cancel the dd for £160 now as they have admitted its in dispute and are not currently pursuing the SD??

IMG-20130131-01290.jpg

IMG-20130131-01291.jpg

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hehe lemon debt!

 

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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