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Variety of debts


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As the end of year is coming I have been reflecting upon all the debts that I have

and been worrying myself sick knowing 6 years is around the corner when I originally defaulted.

I am out of work due to cancer treatment and started to worry about these debts again knowing 6 years is only a few months away.

 

Debt 1 is a Credit Card...£15,000 was taken out prior 2007.

It has been swapped from DCA to DCA numerous times and has been sold on to Vulture Company 1.

I have been paying each month £10 to the DCA of Vulture Company 1 and have been doing so for a number of years.

Not disputing I owe the debt as had card since 1996.

 

 

I am unsure what if anything they will do.

...Will they continuing accept this offer at this rate or go legal on me.

I have been complying with them and paying the repayments on time given my limited income.

 

I just dont want to open a huge can of worms by asking for a CSA on them

and if they find it they pursue legal on me.

Is it best to just carrying on paying until if I ever receive a solicitor letter off Vulture Company 1

threatening legal action to do it then?

 

Debt 2 is another credit card....£3,000 was taken out AFTER 2007.

It currently is still sat with the original creditor and I am paying them £5 a month.

I am paying them via a DCA who pays the creditor.

I assume they will sell this debt on at some time and been reading it could be a terrible company that they could sell it on to.

I am aware I cant do the CSA request on Debt 2 as its after 2007.

But with these I have been paying what has been agreed to the DCA monthly and on time.

 

I am just worrying myself sick about these debts and controlling them all.

I have done what I can paying them and not hiding away given my income.

But if my income stays the same I cant see them keeping accepting this level.

 

What your thoughts to ease my worries on it all......

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name names

 

 

and sorry a CCA request is the way to go on both.

 

 

and me thinks you could be a cash cow here.

 

 

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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I am just worried naming names on here will only cause further issues if they are viewing on here....just paranoid about these debts.

 

I thought a CCA wont work on cards taken out after 2007?

 

Wont questioning the debts legality make them go legal quicker on you?

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CCA will work before and after. If its been passed around multiple DCA's, basically theyre laughing at you and saying to each other, " Here, try this guy, he coughs up without question".

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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I am just worried naming names on here will only cause further issues if they are viewing on here....just paranoid about these debts.

 

I thought a CCA wont work on cards taken out after 2007?

 

Wont questioning the debts legality make them go legal quicker on you?

 

How will they know who you are as you haven't given your real name?

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks for the PM

 

 

but you REALLY need to put the names up

you are being cash cowed esp on the debt from 1996!!

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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My serious honest thoughts on this is to dump payments right down to £1 a month, this is the LEGAL minimum payment you CAN make and should they attempt any puerile 'legal' action, then they will be laughed at by the Judge as you're paying them already.

 

You're being cash cowed here, you need to stop their supply of pocket money.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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