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12yrs with Debt solutions 4U - help


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Hi,

 

was hoping for some advice regarding 12 year old credit card debt passed to Robinson Way.

 

Up until a month ago debt solutions 4u were paying £1 a month for me but they are no longer in business.

 

I made new standing orders to my creditors of £1 so there are no missed payments

 

I was contacted by Robinson Way stating that they had put my account on hold for 45 days to sort things out,

 

They requested a financial statement which I have not yet sent.

 

They are phoning me daily but I have said that I will only communicate by letter.

 

Last week I requested a copy of the CCA (template letter)

 

I have today received a letter from them stating that they have asked for a copy of the agreement/statement to verify that I am liable to pay the amount due, which is £5,651.61.

 

they have placed my account on temporary hold pending receipt of the documentation.

 

My question is what should I expect to happen next

 

. Any advice appreciated.

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Good thing you've asked for a CCA request now, but bad times you been paying for so long especially after 12 YEARS!

 

Wait for an agreement to turn up. If it doesnt, those clowns are out of luck Also it will need to be a copy of the original, not a recreated agreement

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Receptaculum Ignis

 

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Sounds like you got had by the fee paying DMC too!!!

 

Get a CCA request off to all the fleecers you appear to be blindly paying money too...

 

I smell a cash cow here

 

List your debts please

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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Robinson Way £6,651

Robinson Way £6,237

Cabot £10878

Cabot £10554

Allied international £3261

Bls Collections £2328

 

Have been paying £1 to each of these interest frozen for at least 10 years

 

Went to a DMC because when they took over the 10 or so phone calls stopped.

 

Seemed good sense to me as I was not in a very good place then.

 

My income has improved as I am now in receipt of state pension, but I fear that this would all be gone in a payment plan.

 

There is equity on my house (joint owned).

 

I do not want to go down the bankruptsy route as my wife is not in the best of health & we would if possible like to enjoy a couple of more years in the house.

 

The house is mortgage free.

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Very very high possibility of being cashcowed there. CCA all of them asap. Cabot and robbers way would have taken you to court long ago for debts that size if the debs were enforceable. I bet youve even had offers of discounts on them too.

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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You'll prob find the DMC was run by ex dca employed too

 

Do you know the type of debt each was

 

And don't worry about your house

No chance of that being touched

 

Don't ever ever forget

 

A dca is not a bailliff

And has

 

No such legal powers whatsoever

 

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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Hi,

All the debts are credit card debts. Had an offer of 85% off a £10914 debt owned by Equi Debt but didn't have the money, think they sold the debt on to Cabot. That was 4 years ago, Can these people take me to court & get a CCJ against me? Also an offer of 25% off from Allied International

 

Its pretty safe to say that those debts wont get near a court. They could try, but after what you just said, they would be very stupid to do so. Youve just told us right there that one of them isnt enforceable, so the rest need checking too.

 

Youre being cashcowed big time. Calm down, get a cup of team, and it will be pretty damn easy to write off 1, if not all of these debts from your life.

  • Confused 1

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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might put to get an sar running to each ORIGINAL CREDITOR

 

get all the statements

 

odds on theres PPI and poss penalty charges to claim back

 

sorry yo've been have blind.

 

might be interesting to SAR the administrators of the CDMC too

 

there will be a 'pot' of money they were hlding to offer F&F settlements on your behalf...

 

wheres that gone.

 

into pocket of XXXXX

 

same as all you payments to all the DCA's.

 

simply funds then sending out 10'000's more fleecing letters

in the hope that other mugs fall for there crap.

 

one anyone you send a CCA request off too exceeds the 12=2 working days deadline

 

you cease payment to that DCA

 

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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sar time to them too

or their administrators

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

there will be administrators over seeing the closure

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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Dx is referring to a subject access request for the data that they hold on you . This costs £10 . There is a template in the library

 

The £1 requests you refer to are CCA requests and should go to the current owner of the debt (or DCA you are dealing with)

Any opinion I give is from personal experience .

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Hi Fletch70.

what is a claim?

I have no idea what the woolwich account is for don't recall any statements or cheque book etc

 

I meant a county court claim, and reading back, no they haven't.

 

See my previous post

Any opinion I give is from personal experience .

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SAR request to DMC (no longer trading).

Posted an SAR request to last registered address of DMC on 1st Noc 2015.

Debt solutions 4U.

Checked tracking details of tracking & came back with this

 

Status: We have your item

An attempt to deliver your item with KxxxxxxxxGB was made on 03/11/15 but we were unable to deliver

as there was no access to the delivery address.

 

The Item will be returned to SOUTH SHIELDS to await instructions from the addressee or will be returned to sender.

 

You can arrange a redelivery online, call the SOUTH SHIELDS office to arrange a re-delivery,

or collect the item from SOUTH SHIELDS by bringing proof of identification and address.

 

There are instructions on the card on how to collect your item or arrange a Redelivery.

 

Has anyone any ideas on How I could get an SAR from these people

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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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https://companycheck.co.uk/company/05546434/DEBT-SOLUTIONS-4U-LIMITED/directors-secretaries

 

 

check out the directors lots of old dissolved previous names

 

 

dx

  • Confused 1

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
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