Help re vet

[SabreSheep]

I also think that maybe there is some investigation work for that DCA you could do on her behalf.

 

If she is mentally unwell then DCAs and OCs have extra duties as she is a Vulnerable debtor. You may want to start a seperate thread about the dca and the debt. paying £1 a month for 20 years is excessive.

 

IN all it looks like you and her have been through the works. I do not know much about credit unions but I am wondering if this situation would be helpful here.

[SabreSheep]

Please do

Having suffered Mental health problems in my past, I hate to see others being victimised or preyed on, esp by DCAs

[SabreSheep]

This "interest" bit has me worried. Can a VET make a commercial credit agreement that charges interest without a credit license? Charging interest is one thing, paying in installments is another.

 

I think there may be more to push here which is why they are saying now they will refund the interest if paid off.

[SabreSheep]

http://www.lawdonut.co.uk/law/sales-and-marketing/offering-credit-to-consumers

 

Im beginning to read.

 

In meantime do you have a copy of the "agreement" and if not can you write and get one?

 

then you can scan it in/take phone photo of it and then convert to a pdf and upload it. (Remove ALL personal details though including any account number or their references and barcodes etc)

 

Guide is below

 

follow this:

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAGicon in the title

i'e Default notice DDicon-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

[SabreSheep]

I defiantly recommend getting that agreement. She must of signed it so its going to be difficult for them to change it

[SabreSheep]

The truth is beginning to out