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hamadryad

partial settlement v full and final

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Assuming that the debts will die with me, what’s the harm of £1 a month. Precious little available for £1 a month really, to avoid the hassle!

You do make a fair point though, about control.

H

Edited by hamadryad

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Because the second you pay them again, even a quid, it resets the statute barred clock.  I never paid Capquest  a  penny, I ignored all their letters, and texts, put them to the back of my mind, and guess what, it's now 30 days from being statute barred.

 

If they sent me a PAP letter tomorrow the debt would be statute barred by the time they could produce a claimform, and I'm really glad I took the advice here and totally ignored them.


We could do with some help from you.

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Hi,

did you get visits?

im guessing I would for an almost £10k debt. I think they’d see it as worth it. 


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Visits are an empty threat. It doesn't matter how big a Capquest debt is, there is always something wrong with it. 


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 OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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11 hours ago, hamadryad said:

Assuming that the debts will die with me, what’s the harm of £1 a month. Precious little available for £1 a month really, to avoid the hassle!

You do make a fair point though, about control.

H

The debts already dead/defunct/unenforceable. WHy would you want to pay them something when you dont have to?

1 hour ago, hamadryad said:

Hi,

did you get visits?

im guessing I would for an almost £10k debt. I think they’d see it as worth it. 

If someone is dumb enough to come to your house,  tell them in whatever way you want to jog on or youll call 101 for harassment.


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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your cat has more rights 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi dx,

 

i have been through rough some of the past paperwork for some of these things, and came across a letter from crapquest which said they were no longer responsible for that particular matter & were therefore closing the file.  

Your thoughts?

 

Also, can I just get rid of all the past crap from these people?

 

h


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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sounds like ethat ones dead too.

 

pers i'd scan everything to PDF before you ever shred stuff.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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It’s a letter from a while ago, and it’s a matter they’ve contacted me about recently.

theres teams of paper to scan in!


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi dx,

 

seems an an awful lot of work just to store all that paper.

woukd there be any consequences of me just shredding all of it?

 

h


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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yes they have 6yrs

so get on with it.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I’ve stored them elsewhere now, out of the home.

‘Chatting’ with London1971, I get the impression that I can safely ignore the letters. I hope that that is the case!

When I get a reliable laptop/pc, (and quiet time to myself), I’ll sort all the scanning. I do have an external hdd that I can put them all on, at least.

 

H


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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well you've been here +8yrs now you should know the score by now...


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I have problems with my memory though, so I occasionally need reminding.

Anyway, I’m going to ignore all the letters, and put it to the back of my mind.

just hope nobody turns up here to hassle me!

 


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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Hi all,

 

just checked my credit report on Credit Karma, and I’ve had a search from ‘Lexusnexus’.

do I need to be concerned?

Since they are a data mining company from the states, is this the precursor to potential legal action?

 

H


There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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uk too they own several uk tracing services

cant hurt you.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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So no need to worry then.

Thanks.

I’ll ignore everything for now. I’ll check, of course, but they can swivel now I’m 67!

 

Is there a way I can stop these thieves though?

id sure like to become anonymous!!

 

H

Edited by hamadryad

There is a tide in the affairs of men, which, taken at the flood, leads on to fortune;

Omitted, all the voyage of their life is bound in shallows and in miseries.

On such a full sea are we now afloat, and we must take the current when it serves,

Or lose our ventures.

 

:tea::tea:One the other hand......Sod this, I'm off!:tea::tea:

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well I would hope that by now ...some 293 posts and 8yrs of being here you've learned that's what they are.

don't be anon ever ..never run from debt face them out

as you've found 9/10 its all hot air. 

 

just never ignore a letter of claim


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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