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claimform, 1st credit/moonbeever - old LLoyds Credit Card 'debt'***Settled by Mediation ADR***


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no it wouldn't it would go to your pocket the debt has been sold

 

however, as said ppi cannot directly be used as a defence to a claim.

 

Ok, thanks DX, I do have quite a few years of statements. Would their lack of any T & C's go in my favour or not? As mentioned above considering all things would it be best for me to negotiate a settlement with 1st credit and avoid a possible CCJ?

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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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blimey!

 

well every one of those as you state is reclaimable

 

at their rate too

CISheet v101.xls

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

Ok, thanks DX, I do have quite a few years of statements. Would their lack of any T & C's go in my favour or not? As mentioned above considering all things would it be best for me to negotiate a settlement with 1st credit and avoid a possible CCJ?

 

let things run for now

 

they are not exactly doing well in my eyes

 

let andyo and the rest decide that move

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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Im not far behind you I submitted my defence in full to 1st credit /moon beaver on 19th May and 28 days have elapsed and I've heard absolutely nothing ! Good luck to you .

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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  • 2 weeks later...

Must be pdf format too small to read.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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So how does their disclosure look ...agreement and notice of assignment?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Well the agreement wont wash cant even read it.....where is the NoA?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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NoA looks okay ...assuming you received it on that date.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks Andy. They have not sent any T & C. There is over £700 of late payment fees and charges within the amount. Is it advisable to contact 1st Credit and negotiate an installment repayment plan? Or do I have any viable defence whatsoever as my Sect78 request has been complied with, I am not sure what to do. Thanks for your time.

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Hold your nerve.....lets see if they do wish to proceed...you will know when the Directions Questionnaire arrives (N180) and we can review your options then.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hold your nerve.....lets see if they do wish to proceed...you will know when the Directions Questionnaire arrives (N180) and we can review your options then.

 

Regards

 

Andy

 

Hi Andy,

 

The N180 has arrived.

 

Regards

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Simply complete... tick yes to mediation and submit it by the date stated.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 2 months later...

Grafter how did you get on ?

Dec 2006 SARS request :p

 

5th Feb 2007 initial request inc list of charges totalling £1706.50 without 8% interest :o

 

15th Feb 2007"bog off " letter received.:(

 

19th Feb 2007 LBA sent with further copy of charges:|

 

4th April £750 goodwill gesture paid into bank

 

11th Aug 2007-another £704 charges since and lloyds served me with enforcement notoice

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Thread title amended to reflect the outcome.

 

Thanks for the update grafter.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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