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Carter no longer collecting Consent order payments - now Wescott phishing letter - help


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carter/arrow/freds/wetcloths all the same lot anyway.

 

who was carter taking you to court for arrows?

certainly wasn't Lloyds!!

 

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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freddies don't do court

I bet its arrows

 

sri for side tracking BTW.

 

whos the owner on the cra file?

 

gotta be arrows they now own all of those companies

if Lloyds sold it something smells

 

did you ever get an sar off to them for all the statements?

 

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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Sorry, just checked back, it was Phoenix recoveries

 

same lot arrows!!

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

that wetcloths letter makes no ref to the consent ordr at all

I suspect they know nowt about it existence.

 

did you ever SAR Lloyds.?

 

as suspected arrows are behind all this

 

wetcloths have only just been acquired by arrows so.

 

the court case was discontinued

so they'll have to start all again to get you in court

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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Hi again.

 

No I have never contacted Lloyd's for SAR. Is this what I should do?

 

Also is there anything I can do to stall wetcloth in the mean time?

 

I think it would be hard to contest though considering by paying for the past 4 yrs is essentially admitting the debt. Although I am no legal expert just basing it on a moral stance more than anything.

 

I would just like to resolve this the easiest way possible as I am wanting to buy a house with the mrs and any adverse credit would stop that from happening.

 

Thanks again

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I am no legal expert - no neither am I . I leave that to the others!

 

I just get digging and gather useful info for all.

 

as it reads wetcloths do not mention anything about passed court actions nor the consent order

that's a std letter they send out seen it before.

 

I suggest yes you sar Lloyds ASAP

 

though if anything exists after this time in another matter

 

Lloyds sold it for a very good reason

 

we need to find it

 

was this your only Lloyds loan?

or was this a refinance of an old debt?

 

ppi? penalty charges?

 

yes of course your owe 'some' money that's for sure!

 

what if anything carter not taking payments has upon the consent order I do not know

 

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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thread title changed, moved to financial legal issues

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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Dx,

 

Sorry about that last post, really didn't mean to sound a bit snotty.

 

This was my only Lloyd's loan but there was no ppi. I would need to get statements to determine any payment charges etc.

 

I find this rather strange as the account was basically hassle free for carter as I was paying back albeit at a small amount per month. How they can pass it on without advising me is unbelievable and somewhat deceiving IMO.

 

Part of me wants to get in touch with wescot and rectify the issue but I really don't want to mention the consent order as as you point out might have been forgotten about.

 

I'll SAR Lloyd's this week and hope wescot give up for a week or 2. Would it be worth cca-ing them for the craic just to day things or even a stat barred prove I paid letter?

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The order is a little awry, the consent stays the case........ not sure why it would have noted an ineffective discontinuance within the schedule?

 

You may be better placed to set up a standing order using the original banking details and force the bugger to take the money [clearing any arrears], do what you can to remain within the terms of the agreement. In the meantime send it a brief letter advising how disappointed you are and let wetcloths know its subject to a court order.

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The order is a little awry, the consent stays the case........ not sure why it would have noted an ineffective discontinuance within the schedule?

 

You may be better placed to set up a standing order using the original banking details and force the bugger to take the money [clearing any arrears], do what you can to remain within the terms of the agreement. In the meantime send it a brief letter advising how disappointed you are and let wetcloths know its subject to a court order.

 

Thanks Mike

 

What do you mean by stayed the case? Does that mean no further action can be taken if I comply with the order?

 

Rather miffed at carter for not taking the payment though, not my fault but totally see what your saying. Keep my end of the bargain!

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Thanks Mike

 

What do you mean by stayed the case? Does that mean no further action can be taken if I comply with the order?

 

Yes, the case remains live [to some extent], 'liberty to apply' becomes effective should either party breach the order...... don't jump on that as a reason to cease payment though, 2 wrongs don't make a right and if you ended up having to state your case you'd be in a far stronger position if you were able to show you'd done everything reasonably possible to adhere to the order.

 

Rather miffed at carter for not taking the payment though, not my fault but totally see what your saying. Keep my end of the bargain!

 

I would imagine its been assigned again within a batch of data and somebody forgot to update its records

 

To be honest I don't keep up with who's in bed with who in the world of DCA's, it may be that Phoenix has sold its book and Wetcloths are hoping payment can be established without the cost of applying to the court.

 

I'd get the payments up to date and send the letters, wait for one or both to respond and take it from there.

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original court case thread merged for history of advise

 

dx

  • Confused 1

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

Dx,

 

Sorry about that last post, really didn't mean to sound a bit snotty.

 

you didn't!!

 

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

for those coming onboard not wishing to read the whole thread

 

carter pulled a fast one

merged a current account & a loan debt [but not stated in the PoC]

 

op got scared and made a consent order.

 

from the day of the consent order until june this year

carter was collecting £50PCM via a direct dibit as a result of the consent order.

 

carter stopped collecting [requesting/drawing] on the DD - not the OP.

 

OP then gets a phishing letter from wetscloths.

 

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

I think the OP needs to write to Wesclotts with a copy to Bryan Carter explaining the situation.

 

Something along the lines of.. you don't understand their involvement as you were making payments to Bryan Carter under the terms of a Consent Order which was sealed by the Court.

 

As you have not been advised by either Bryan Carter or the original claimant beneficiary of the Consent order - you do not know where Wesclotts enter the equation.

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Have you called BC to find out why they have stopped taking payments?

 

 

Now there's a sensible action to take :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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