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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • SPM87
      Advice and insight please

      By SPM87 · Posted

      I posted a couple of years ago about our debt situation and have been trying to pay off our debt as best we can. It is a possibility I maybe made redundant in a few months time, so I am trying to find out everything I can about what happens in today’s world when you can’t pay. I keep finding conflicting advice on various sites so I wanted to post this quote to get thoughts. It claims basically that the dca will likely get enforceable documents these days and therefore it’s likely you will have to pay dca at some point during the 6 year process.    on here I read a lot of comments assuming the exact opposite of this. A lot of the threads on here state the beginning of the process but I never see conclusive stuff about what happened from start to finish to get insight into whether debts post 2015 have been enforced etc. I hear a lot here not to pay dca companies but most my debts are post 2015 debts I am all up to date on our debts but if I lose my job it is likely I’ll end up where I tried to avoid in the first place. Which is destroying our files and dealing with DCA. I’ll post it below so you can see what I mean.   It is likely that any debts incurred after 2007 will end up with all the documentation being provided and being enforceable. Therefore you should use the time while awaiting responses going through your Income & Expenditure and considering any possiblity of making a full and final settlement. It can take a number of months to reach the stage of a hearing date and exchange of witness statements and normally you would be able to settle or come to an arrangement to pay before the court hearing, once documents have been provided, although this isn’t guaranteed.
    • dx100uk
      Judge & Priestly

      By dx100uk · Posted

      depends who said sols state their client is. IDRWW vis~IDR(worldWide) are a debt collector regulated & registered in the UK & USA    they are not solicitors. they use various 'for hire' - here use our letterhead paper tiger solicitors. its just a case of who's stupid enough to join their folly. IDR law used to be their fav but they lost do much money, they broke ties after almost being struck off and now do Will/Probate disputes only. IDR Legal are their sols wing. moriarty law Judge and priestly Taheel - a foreign DCA that use absolutely any trick in the book to extort money even pretending to be any of the above inc being the bank themselves in phone calls.           
    • dx100uk
      ENBD/IDRWW/IDR Legal - letter of claim now statutory demand

      By dx100uk · Posted

      And? dx  
    • dx100uk
      UAE debt IDR - Letter Of Claim

      By dx100uk · Posted

      AND? dx  
    • dx100uk
      IDR Letter of claim for Dubai Debt ive been paying directly to the bank for years - why are they sending this?

      By dx100uk · Posted

      And? dx  

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

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ComingHome

By ComingHome
in General Debt Issues

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ComingHome

ComingHome

Posted
Posted

2008 I suppose.....

 

The finger in the dyke finally gave-way and everything hit the fan.

 

I have no idea what the state of play is at the moment, but there were some big loans which the DCAs are probably still chasing.

 

Iam only now looking at things as next month sees the first "6 year" anniversary with the first problem.

 

I had contact with lenders, DCAs, door-knockers, etc throughout that year before finally dropping off the

 

radar and disappearing to another part of the country.

 

I was fortunate that I had left an old bank account dormant for 20 years & I have been able to continue to use this.

 

Other than that I don't put my name on anything.

 

No idea which claims proceeded past demands or if any made it to CCJ's (which I believe scuppers the 6 year rule?).

 

I would like to move back to my own part of the country but don't know where to start to see if the all-clear will sound next year........

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Bazooka Boo

Bazooka Boo

Posted
Posted

You can check for CCJ's here http://www.trustonline.org.uk/ whilst a CCJ would stop the limitation period, they still only have a certain amount of time in which to enforce the CCJ before they have to go back to court to get permission to enforce it.

 

Have you managed to get any credit since? Mobile phone?

Checking your credit file is also a good start, but be aware when you up date your address then they will also be able to see this.

 

Are they all loans?

With which banks and circa amount?

When did you first take these agreement out?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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dx100uk

dx100uk

Posted
Posted

credit file should be your 1st port of call

noddle is free

 

just make sure ALL your old addresses show as linked

 

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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ComingHome

ComingHome

Posted
  • Author
Posted

Thanks BB, dx.

 

 

Can't get on to Noddle - not sure if the site is down?

 

 

Not tried to get any credit - phone is PAYG.

 

 

Mostly credit cards & couple of bank loans. Really getting to the point where I can't remember exactly, but cards (3/4) were maxed out up to 10k.

 

 

Maybe 20K on one loan. Cards probably from 2000 & loans from 2002/3.

 

 

I use an address, but it's not "my" address.

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ComingHome

ComingHome

Posted
  • Author
Posted
OK anything that old can be CCA'd,

is all the credit with the same bank?

 

 

Yes, two bank loans with the same bank. The last one was early 2008. Oh, just remembered there was also £1k due after I returned a vehicle on HP and this was the shortfall which was immediately sold-on to a DCA again early 2008).

 

 

I've had a look at trustonline. Is it safe to give payment details on there?

 

 

(I'm still at the stage where I don't like cars parking outside the house lol).

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dx100uk

dx100uk

Posted
Posted

TOL is quite safe

 

have you moved in recent years mind?

 

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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  • 6 months later...
ComingHome

ComingHome

Posted
  • Author
Posted

Back again. Been very busy for the past few months. Just watching the clock ticking down now as things must be hitting the 6 year anniversary almost every week.

 

 

Had a look at the credit report sites but not sure what to put for my addresses for the last 6 years as I haven't had an official address.

It's been either with a mate or house sharing with nothing in my name.

 

 

Also don't want to put my current address down to have the report sent to me here.

 

 

Any way round it without causing other people problems by using their address?

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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Back again. Been very busy for the past few months. Just watching the clock ticking down now as things must be hitting the 6 year anniversary almost every week.

 

 

Had a look at the credit report sites but not sure what to put for my addresses for the last 6 years as I haven't had an official address.

It's been either with a mate or house sharing with nothing in my name.

 

 

Also don't want to put my current address down to have the report sent to me here.

 

 

Any way round it without causing other people problems by using their address?

 

 

 

If you can't provide verifiable identification data i.e. previous and current addresses, and

a current debit/credit card registered to your current address not even the free CRA Noddle will provide any service.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ComingHome

ComingHome

Posted
  • Author
Posted
If you can't provide verifiable identification data i.e. previous and current addresses, and

a current debit/credit card registered to your current address not even the free CRA Noddle will provide any service.

 

 

Ok, tanks.

 

 

It's really just any CCJs I'm worried about. Is there a central register where I could check for these?

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dx100uk

dx100uk

Posted
Posted

only trustonline as already suggested and done?

 

 

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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BRIGADIER2JCS

BRIGADIER2JCS

Posted
Posted
Ok, tanks.

 

 

It's really just any CCJs I'm worried about. Is there a central register where I could check for these?

Trust online £4 per address checked.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ComingHome

ComingHome

Posted
  • Author
Posted

 

 

anything on your credit file

like defaults or ccj's

vanishes after 6yrs never to return.

 

 

Hi dx,

 

 

Still trying to get a grip on my own "6 years" timeline.

 

 

How long after initial negotiations for the debt (ie default letter, demands, token payments, etc) have stopped can a creditor apply for a CCJ?

 

 

Then does the 6 years start from the date of the CCJ or the original default?

 

 

Cheers.

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dx100uk

dx100uk

Posted
Posted

posts from someone elses thread moved here.

 

 

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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dx100uk

dx100uk

Posted
Posted

SB runs from last payment or signed ack letter by you.

 

 

they have to start a court claim within that period

 

 

If they do the clock stop

 

 

if they get judgement then 6yrs from then or again your last payment if you pay toward a 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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