Cabot ...chasing Barclay OD debt. + lots of other debts

[dx100uk]

and get a copy of your and your hubbys CRA file too

see below.

 

dx

[dx100uk]

you need to get your CRA file

 

if you got approved for rent

then you must have a good report

 

so...

 

that means that NONE of the consumer credit debts are showing

 

that usually means they are over 6yrs old [from default date and have been removed

and most prob statute barred ...

 

 

so...

 

this means that MOST of your comsumer debt NO LONGER EXISTS!

 

CTAX & TAX credit are priority debts and will not show on your CRA file [keep paying!]

 

all the other i suggest you are p'haps being fleeced on.

 

dx

[dx100uk]

no DCA has any legal powers unless they OWN A DEBT.

and they can supply an ENFORCEABLE CCA.

 

they are NOT BAILIFFS!!

 

 

CRA file details are below

 

dx

[dx100uk]

nope not covered by CCA

 

i would suggest you ignore them for now till you get your CRA file

and see who owns the debt

 

dx

[dx100uk]

not at all

if i didn't like a voluntary site..i'd not post!

 

dx

[dx100uk]

dnt get bullied

stay off that phone

 

get yourself well first

 

they cant do anything to you

 

dx

[dx100uk]

you need to get that cra file

 

lets see the truth on all your debts.

 

as for lowlife & the £1 trick

ignore them it IS SB'd.

 

dx

[dx100uk]

you don't OFFER you TELL.

 

its YOUR MONEY

take control...and GET that CRA file please.

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

LETTER 1

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

could you please as a reciprocal goodwill guesture,

refrain from levying any penalty charges & freeze the interest on my account.?

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions would do nothing to help me.

i thank you for your time.

signed

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

if you have sent the above and they refuse

then write back........

.

.LETTER 2

 

i'm sorry, but you have failed to assist me during a period of financial difficulty,

against all the guidelines and codes issued by the relevent bodies and authorities

that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges

& freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

[dx100uk]

you should ideally be matching these debts up with your CRA file entries

 

how old is the catalogue?

have you ever seen the agreement?

 

dx

[dx100uk]

ok prob not worth contesting.

 

have they hit you with £12 fees?

 

dx

[dx100uk]

was that you initial offer?

[dx100uk]

what post 21 ....letter 1

 

what did you say you were going to £1?

 

if that's a ll you can do then do

 

dx

[dx100uk]

you sure its a DN?

 

not a NOSIA?

 

notice of sums in arrears? [ hence the £12 fee?]

 

DN's don't carry a charge.

 

 

anyhow.

 

regardless

 

neither of those two letters

stop you paying

 

if you are happy you owe the money

then you should be making some kind of goodwill gesture toward the debt.

 

you've asked them to reciprocate

they haven't.

 

you could send letter 2 as well.

 

nail you intention to your flagpole

the fact that they refuse to help you

will go against them dearly.

 

dx

[dx100uk]

great idea

 

stick by your plans

 

its YOUR money

 

they SHOULD be helping.

 

if you have an internet banking webportal

 

that's by far the best way to do these goodwill payments too.

 

dx

[dx100uk]

DN makes no odds..

 

in fact it helps you.

 

I would not be using any other method [DD SO] just use BACS when it time to pay

that way you have a record on YOUR statement WHEN YOU paid.

 

please do not fall for all the threat-o-grams on any debt

 

now go check the others.

 

dx