Full Final Settlement offer - MINT

[BRIGADIER2JCS]

Remedy solution to fix it? or just a continuing oversight?

 

Needs thought, imo I want to read the whole thread again!

[dx100uk]

here is the CCA request

 

whomever you are pAYING bar bank accounts send them one.

 

I think you'll be rather surprised

 

or mores

the point annoyed.

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

post the two off by !st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

[dx100uk]

just to clarify

 

cca requests goto the ones that are being thru the DMP. i'e Barclays etc

whomever is getting money from the plan.

 

use a blank £1PO etc etc as advised in the post

[neobass]

here is the CCA request

 

whomever you are pAYING bar bank accounts send them one.

 

I think you'll be rather surprised

 

or mores

the point annoyed.

 

adapt the following text to YOUR details.

DO NOT SIGN THE LETTER!

get a £1 BLANK Postal order

write on the back

for statutory £1 CCA FEE ONLY.

post the two off by !st class post, get proof of posting from PO counter

they have 12+2 WORKING days to comply.

 

firm demanding money

 

street,

 

town,

 

county

 

postcode

 

 

 

Dear Sir/Madam

 

 

 

Re:- Account/Reference Number 12345678

 

I do not acknowledge any debt with your Company or Associates

 

This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide, including a detailed statement of the account.

 

 

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.

 

 

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

 

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Trading Regulations 2008 (CPUTR).

 

 

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

 

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

 

 

We look forward to hearing from you.

 

 

 

Yours faithfully

 

Mr A N Other

 

Hi DX,

 

OK so I must send this to each one of my creditors, regardless that I have sent them FF offer?

[dx100uk]

yes I would.

 

p'haps start a new thread in the named bank forum of the original creditor

as each is returned [or not]

 

they have 12+2 WORKING days]

 

dx

[neobass]

yes I would.

 

p'haps start a new thread in the named bank forum of the original creditor

as each is returned [or not]

 

they have 12+2 WORKING days]

 

dx

 

I shall get this going. By doing so what do we expect to find out, that more of it is a sell out?

[dx100uk]

if the debt is enforceable!!

 

dx

[neobass]

if the debt is enforceable!!

 

dx

 

But from my standpoint these are real debts as I've got myself into the situation,

so by asking the creditors or DCAs something I already know seems odd.

 

The part you say enforceable,

I assume you refer to them bullying me into paying more than the debt is worth?

 

In which case CCA follow up is an essential move before any monies is sent there way

[dx100uk]

no its a legal requirement for anyone demanding money from you

under an agreement regulated by the consumer credit act, to hold

an enforceable copy of said agreement signed by you.

 

if/if not the demanded balance is correct or not

at this stage is immaterial.

 

typically where you get debts sold on by the original creditor

this is an indication there is something WRONG with the debt

 

thus they writ it off

 

pop it on a phishing list

 

and sell the problem on.

 

as with all debts, it a matter o fan information gathering exercise

 

never ever assume what is written in letters by dca's

or even worse heard on the phone is CORRECT.

 

ALL the DCA's are concerned in is getting money out of you.

 

they don't care about your rights/the law/the guidelines

if they can get away with fleecing someone

they will use ANY method to secure payment.

 

just look where your money to a dca goes:

 

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

 

dx

[neobass]

no its a legal requirement for anyone demanding money from you

under an agreement regulated by the consumer credit act, to hold

an enforceable copy of said agreement signed by you.

 

if/if not the demanded balance is correct or not

at this stage is immaterial.

 

typically where you get debts sold on by the original creditor

this is an indication there is something WRONG with the debt

 

thus they writ it off

 

pop it on a phishing list

 

and sell the problem on.

 

as with all debts, it a matter o fan information gathering exercise

 

never ever assume what is written in letters by dca's

or even worse heard on the phone is CORRECT.

 

ALL the DCA's are concerned in is getting money out of you.

 

they don't care about your rights/the law/the guidelines

if they can get away with fleecing someone

they will use ANY method to secure payment.

 

just look where your money to a dca goes:

 

http://www.homesandproperty.co.uk/property_news/news/millionairedebtcollectordigsdeepinsouthkensington.html

 

dx

 

OK I have blank £1 postal orders, so in the 'Pay' section leave it blank and just write on the back for statutory £1 CCA FEE ONLY - correct?

[dx100uk]

yes that's what the advise says.....

 

dx

[neobass]

yes that's what the advise says.....

 

dx

 

Thanks for the confirmation. In the post today!

[BRIGADIER2JCS]

Photocopy the PO with the endorsement re the stat fee.

[neobass]

Mint offer #2 refused, seemingly letterhead has now changed!

 

Awaiting response to CCA.[ATTACH=CONFIG]44679[/ATTACH]

[dx100uk]

if they are offering any kind of discount = ignore the debt

 

dx

[neobass]

Should I also cancel the DMP? and give £1 token payments from now on?

[dx100uk]

yes sri that should have been one of the first things we told you to do.

 

don't 'blindly' start paying anyone again

await the letters to flood in.

 

well deal with them debt by debt

 

dx

[neobass]

Should I contact my DMP and tell them I am cancelling the agreement or tell them I am reducing my payment to £1 per creditor?

[dx100uk]

write to the dmp and cancel

 

dx

[neobass]

OK, then should I setup individual standing orders with the DCA for £1 token payments?

[dx100uk]

no

 

not until we check each debt

 

await the letters

 

then we cca them as necessary

 

dx

[neobass]

OK will hang fire and get a letter going to dmp then

[neobass]

No CCA response! Sent letter FORMAL COMPLAINT/ ACCOUNT IN DISPUTE

[neobass]

Received letter back today, they are wanting me to sign the copy of my letter. Am I safe to do this?

[BRIGADIER2JCS]

Yes