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    • My advice - submit the completed Tax Return first. Then worry about who owes what to whom. That's dealt with separately from the form itself. Have you checked your account with HMRC to see what they owe you (or you owe them) as of today? What's the situation?
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    • Hi @BankFodder
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Droyds setlement offer, any advice? catalogue debt (Redcats).


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We have a debt with Droyds which is currently being paid via pro-rata payments.

 

There is an enforceable credit agreeement and the debt is post April 2007.

 

The total outstanding is about £237 and we may be able to get some help to pay it off as a 'full & final' payment.

 

Any advice on what would be a reasonable offer to make?

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whats the debt type?

 

any PENALTY charges or PPI?

 

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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Personally I would suggest £50 -£75 as a first offer on condition that all adverse data is removed from credit files.

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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Reply to dx100uk: there are no charges or PPI and it is a catalogue debt (Redcats).

 

Thanks BRIGADIER2JCS. I guess that you just negotiate from there on until you get a result?

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Reply to dx100uk: there are no charges or PPI and it is a catalogue debt (Redcats).

 

Thanks BRIGADIER2JCS. I guess that you just negotiate from there on until you get a result?

Yes, or you could offer the 10% - £23.70 in a very generous settlement.

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

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BRIGADIER2JCS, this might sound really stupid but what do you mean by '...you could offer the 10% - £23.70 in a very generous settlement'?

 

Do you mean that we should just offer £23.70 as a 'full & final'?

 

Also, what are the chances of them taking an offer that low?

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BRIGADIER2JCS, this might sound really stupid but what do you mean by '...you could offer the 10% - £23.70 in a very generous settlement'?

 

Do you mean that we should just offer £23.70 as a 'full & final'?

 

Also, what are the chances of them taking an offer that low?

 

You won't know unless you offer it :)

 

Remember that these companies add 33% to the cost price of the item plus the interest you pay. So in reality you only owe them about £30

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10/15% of the debt is the starting point for negotiations on a F&F settlement.

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Start low... Always start low... Absurdly low! 10% is great!

Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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Thanks for the advice everyone. Will be sending off the offer by recorded delivery tomorrow. Will keep you updated.

 

The following should be included in the offer letter.

 

Conditions of F&F payment offer.

 

1. All adverse data is removed from Credit reference Files

2. The remaining balance is NOT to be sold/assigned to any third party for collection at any time.

3.Payment will be made within 7 days of my receiving written acceptance of this offer and the conditions set out above.

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

Please Consider making a donation to keep this site running!

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  • 3 weeks later...

why do you need to settle this?

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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We have been offered some help, as I stated in my first post, to clear some small debts. This is one, of three, of the smallest that we have.

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what is the default date on your cra file?

 

see below

 

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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opps sigs not working sri

 

see below:

 

 

 

C
redit
R
eference
A
gencies
:
Experian
Equifax
CallCredit
noddle

fed up with DCA's calling get a TRUECALL BOX!! -
HERE

Sort Your Debts Now - -
here

 

Start Your Own Thread
-
HERE

 

1. Single Premium PPI Q&A
Read Here

2. Reclaim mis-sold PPI
Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges
Read Here

my views are my own...seek legal advice if ness

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- act on a private message asking you to visit another website, make contact 'off list' or by telephone

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alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message -
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DX

RIP Martin3030

rant.gif

 

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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Hello dx100uk.

 

We have just checked with Experian and discovered that the debt has never been defaulted on, it just states 'satisfactory'.

 

Further, after checking our filed letters from Droyds

we noticed that on one occasion they have threatened court action and on two occasions they have threatened legal action.

 

Didn't think that they could do this without a default?

 

Strange, another letter does refer to a 'default plan'...

 

Any ideas?

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that's interesting

 

so when was your last payment on this?

 

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

sri just seen your in a DMP.

 

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

so the debt is due

 

doubt if you'll get a discount then

 

whos shown as the original creditor o the CRA?

 

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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  • 5 months later...

means they are offering you a discount

 

so theres some there to be reclaimed!!

did you ever SAR the OC

 

PS is as bad as a default/CCJ

 

it will kill any attempt to get credit for 6yrs

[or if the debt is defaulted till the debt goes on its [the defaults ] 6th birthday.

 

don't fall for it

 

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

Thank you for replying dx.

 

Have not sent a SAR as we cannot recall any charges being put on to the account. We don't even have a default notice for it but will check the credit file if it is supposed to be on there. What can they do if it has no defaulted?

 

Not going to accept the 'partially satisfied' statement as you have suggested.

 

Will reply when we have checked the credit file.

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you need to sar

 

there must be something wrong.

 

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
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