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DG Solicitors CCJ - (almost) offering settlement figure


DesperateSusan
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Hi,

 

I have a CCJ which was for overdraft fees with HSBC.

 

The amount was about £3000.

 

They won the case and a £50 per month payment was agreed with the court which I have been paying regularly.

The amount outstanding is now down to about £1500.

 

I recently had a letter from DG Solicitors saying that because I had kept upto date with repayments that they thought I could afford to pay more.

 

The letter also suggested that they may offer me a discounted full and final payment and I should call their office to discuss this.

 

My situation has changed and I can probably afford to pay more, but the £50 a month suits me at the moment.

 

I am interested in the full and final offer, but I can't see how I can approach DG solicitors about this without indicating to them that I could afford more than the £50 a month.

 

Is the F7F offer likely to be at a significant discount?

 

Is there a good way of approaching them about it?

 

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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they PCM was set by the judge

 

DG CANNOT change it.

and if they do, they are in contempt of the judges ruling.

 

so you are safe to write and offer a settlement.

 

i'd suggest starting off at £500.

 

when did they get this CCJ?

 

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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should be on your credit file

 

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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Follow dxs advice. They seem to think they are above the law.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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you said a CCJ.

 

so they got a charging order too?

 

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

you said a CCJ.

 

so they got a charging order too?

 

They did. CCJ and charging order.

 

What's most annoying is that the debt was entirely made up of bank charges.

 

(At least the debt before court and solicitors fees etc).

 

Thanks,

Edited by DesperateSusan

Brought to my knees by the banks, but up and standing again. Nearly.

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Did you ever use BCOBS or get the FOS involved?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Did you ever use BCOBS or get the FOS involved?

 

I never used BCOBS, but I did start down the track of reclaiming bank charges - everyone was having a go back then - but I didn't follow through with it. I was over whelmed by other stuff going on in my life at the time.

 

I think I am more able to cope with things now, but doesn't the fact that HSBC/DG won in court mean that I have no recourse now?

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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a charging order does not actually 'have' to be paid

 

unless the judge orders it.

 

so did you attend court

on the CCJ

and the CO?

 

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

did you know they were taking place

but just ignored them?

 

tell us the story of this debt

 

its beginning to smell.

 

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 did know they were going ahead, but I ignored them.

 

The story is that I got into financial trouble:

i had several credit cards,

I was using one to pay off another and

I was running an overdraft at HSBC that I kept exceeding every month. And

 

every month charges were added making it even more difficult.

I seem to remember getting charges of £150 a month for many months.

I think they had a cap at that figure.

 

I was under pressure at work, pressure from continual DCA calls and my marriage was breaking up.

 

Although I did some prep work to reclaim the bank charges,

I didn't go through with defending as the other life pressures were too great.

It seems feeble to say it now.

 

As part of the process of reclaiming I got a figure for the amount of charges in the debt and it was about £2150

- they were chasing a debt of £2000.

 

I did receive a letter about plans to obtain a charge order on the property

and about the court case, and though I tried to look at them I didn't have the capacity to defend.

 

I filled in a income/outgoings form for the court and offered £50 per month which was accepted.

I've been paying ever since.

 

I doubt I can lay hands on the original documents for any of this

- since the split-up many things got lost.

 

Does that help at all?

Brought to my knees by the banks, but up and standing again. Nearly.

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hey no sweat

 

we've all been there

 

no need to feel bad about it.

 

it might serve a greater purpose to start the process of getting all the paperwork

 

might throw something up to get something back.

 

why not send HSBC an sar to get everything.

 

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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