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swift sterling advice please


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hi all, i took a loan out with swift sterling £1580 over 5 payments

 

1st payment of £230 paid, recently, but im not going to be able to make the next payments 4x £630.

 

so my question is

i'm going to offer £150 a month

 

im assuming to the value of the borrowed money .

 

now should i make this offer now or after ive defaulted,

 

im moving bank accounts so they cant get at my wages at the end of the month.

 

...will they then try and take the money out of my bank now

 

if i let them know before hand of my impending doom?

 

ive used advice before from this forum, it really does help.

 

has any one any idea of how this mob pursue you and are they likey to accept my offer?

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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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it looks like its quite easy to setup a payment plan with them.

 

 

if they've got your debit card number

then contact your bank and cancel the CPU.

 

 

else they can simply take it

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

it looks like its quite easy to setup a payment plan with them.

 

 

if they've got your debit card number

then contact your bank and cancel the CPU.

 

 

else they can simply take it

 

 

i have a current account i dont use with natwest, they don't know about it, shall i move my wages there? and shall i tell them before or after i cant make the payment?

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IMHO I would take control of things

not let them dictate things.

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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one thing i was going to ask...IF they agree to an amount, do i still offer to pay the whole of whats outstanding or am i entitled to offer just the full amount i borrowed?

 

i,m not sure.

 

i borrowed £1580, paid £230 and have 4x£630 to pay

 

so do i just pay £1580 less the £230 plus one months interest? would the accept that or do i have to pay all the interest back too?

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You pay the original amount loaned, plus contracted interest over the term of the loan. They have to justify everything else.

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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