Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • you ring you bank    
    • i suspect the charge on the Land registry site against the house reads:   2. (XX.XX.2007) RESTRICTION: No disposition of the registered estate is to be completed by registration without a certificate signed by the applicant or his conveyancer that written notice of the disposition was given to XX Council at P.O. Box XX, STREET, TOWN, POSTCODE, being the person with the benefit of a Charge under Section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   ..............   that is a restriction k and is useless to the council, as all 'legally' your have to do is inform them AFTER the house has been sold . then it's too late money has gone.   dx
    • I have got a copy of the charge. The Land Registry responded to say that the document attached to the RX1 was as follows. The A4 document headed 'Health and Social Services and Social Security Adjudications Act 1983 and National Health Service and Community Care Act 1990' is a statutory charge. However as the person concerned (your late father) was one of joint proprietors of the property, the charge could not be registered or noted. Instead it was protected by registration of a restriction.   This is a statutory charge that has arisen under section 22 of the Health and Social Services and Social Security Adjudications Act 1983.   Unfortunately the Land Registry blog was discontinued on 30 June 2020 [I only found out today!] they're waiting for a new platform which could take a few weeks - so I haven't been able to obtain any other advice, other than what I found in the Hardwick and co website today which stated that S22 of HASSA had been repealed and stated that    After 1 April 2015 a Local Authority will only be able to recover unpaid care home fees by securing a judgment debt either in the County Court or the High Court (s69(1) of the Act). and The Act increases the time limit for the recovery of a debt comprising of unpaid care home fees from three years to six years from the date the sum becomes due   hence I thought that as the fees had not been paid and more than 3 years had elapsed that perhaps the charge was no longer extant?    If the restriction is such that the CS only has to notify the council [and there's no restriction on me selling] then I thought the sale could proceed while I continue to battle it out with the council. Who haven't been in touch now since 2016.   This is all very complicated - I'm sure it could be simplified!!   Thank you      
    • You've been here since 2013 so you must be aware that the tell people all the time to read our customer services guide and to record their calls. We try to remind people that if they don't record their calls then sooner or later they will regret it. I think if you do anything morning telephone you should have read our customer services guide first because then you would have the evidence you need to persuade people that you did take the action that you saved it. I suspect one of the problems it will be managing to establish that you let people know in advance. If there is a delivery which signed for that you may find that Amazon and also your bank may not be very happy about helping you out. Although the bank may activate the chargeback, they may later on after a further "investigation" for the money back from you. Suggest that you send Amazon an SAR.  
    • Thanks. Do I go to the bank and ask for this, or is this something I have to apply for outside the bank?     
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
loudand

Advice Needed with DCA's & Default Notices

style="text-align:center;"> Please note that this topic has not had any new posts for the last 1596 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I have a number of defaults on my credit reports they are about 4 years old.

 

 

I am thinking of writing to each creditor/collection agency asking to produce copies of the default notice and the credit agreements.

 

My question is this.

 

 

If a creditor or collection agent cannot send me copies of the original default notice

and the original default becomes unenforceable

 

 

is it possible for them to issue a default notice following this for the same account?

 

 

therefore a 2nd default on that same account would be on reports for another 6 years?

 

Thanks in advance.

Share this post


Link to post
Share on other sites

nope can only be defaulted once. By the OC

 

 

are you paying these fleecers?

 

 

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, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Well I'm unsure what to do to be honest.

 

I have 3 defaults with Lowell Portfolio

 

 

1. A couple of weeks ago i received a CCJ notice.

 

 

I paid the full amount the next day so it wouldn't go to court so that account is settled.

 

 

The other 2 i have arranged a payment plan with Lowell to ensure that the other 2 accounts don't escalate to CCJ's.

 

if i send them a letter requesting the default notice etc and it turns out to be unenforcable they cannot issue anymore defaults for that account as it has to be the original creditor?

Share this post


Link to post
Share on other sites

so you never questioned the legality of the debt

before blindly paying a DCA to prevent a CCJ?

 

 

that's prob why they are doing this now

 

 

they mugged you blind.

 

 

forget the default notice arguments for now

the CCA is more important

if you are blindly paying

 

 

what are the debts?


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, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

I’ve made a couple of posts on here and the responses have been very helpful.

 

 

After reading through this fantastic forum I have decided to outline each of my defaulted accounts in detail

and I would appreciate if someone could give me advice on what to do next.

 

As you will see the majority of the accounts are over 4 years old so ant action

I take I could do without the risk of court litigation arising from this action (if possible).

 

Just to note that I have no previous experience of challenging DCA’s or Creditors

nor have I had any experience of the court process (until recently –explained below)

 

So here goes.

 

Cabot Financial (UK) Ltd (Credit Card Account)

Account Started: 25-10-2010

Default Date:20-01-2012

Default Balance: £306.00

Balance: £304.00

This was a Cap One CC. I haven’t made contact with Cabot as yet. I do have a CCA & Default notice request letter prepared.

 

Lloyds Bank

Account Started: 20/04/2012

Default Date:21/21/2012

Default Balance: £30.00

Balance: £0

I had a 2nd Current account which went over limit. I would have cleared this being a very small amount prior to the default being placed but I didn’t see the default notice.

 

Vodafone

Account Started: 02/12/2011

Default Date:01/05/2012

Default Balance: £65

Balance: £65.00

What to do with this please?

 

Lowell Portfolio 1 (Communications Account)

Account Started: 19/07/2010

Default Date:31/08/2012

Default Balance: £151.00

Balance: £0

 

Now approximately 2 weeks I received a letter from Northampton County Court which was a notice of pending court action.

 

 

When I received this letter I panicked,

I rang Lowell and they explained a 3rd party was now dealing with the account on their behalf (Lucas Credit Services).

 

Whilst Lowell had me on the phone (just after receiving the CCJ letter)

they told me I had 2 other accounts with them.

 

 

These are listed below and it will explain what I did.

 

I spoke with Lucas and stupidly paid them the full amount including costs which was a total of £997.63.

I really wish I had educated myself before paying them

it was honestly a knee jerk reaction and I walked straight into their trap.

 

Lowell Portfolio 1 (Vanquis Credit Card Account)

Account Started: 19/07/2010

Default Date:31/08/2012

Default Balance: £1245.00

Balance: £1,245.00

Whilst speaking with Lowell after receiving the pending CCJ notice on the above account I agreed to setup a payment plan with them for £25.00 per month. I paid them £12.50 on the phone there and then.

 

Lowell Portfolio 1 (Communications Account)

This is the 2nd account Lowell told me about during the phone call.

Now I have access to all 3 CRA’s I can see there isn’t an entry for this account.

Whilst speaking with Lowell after receiving the pending CCJ notice on the above account I agreed to setup a payment plan with them for £25.00 per month. I paid them £12.50 on the phone there and then.

 

Wonga

Account Started: 31/08/2011

Default Date:30/12/2011

Default Balance: £1151.00

Balance: £1151.00

In Feb 2015 I received an email from Wonga stating that they have bought back the account and I no longer have to pay Wonga nor PRA Group Ltd any money. They also stated the CRA’s would be updated accordingly. 1 year later this account is still on my credit as unsatisfied.

 

PRA (UK) Group Ltd (Payday loan)

Account Started: 11/04/2011

Default Date:01/12/2011

Default Balance: £1056.00

Balance: £1056.00

Now I believe this account is the same account as Wonga. I cannot recall anything else at that time with that value.

 

Natwest (Current account)

Account Started: 17/12/2001

Default Date:31/08/2012

Default Balance: £457.00

Balance: £0

This was an old current account with an overdraft.

 

Any help on what to do next would be very much appreciated and if you need any additional information please let me know.

Thank you in advance.

Share this post


Link to post
Share on other sites

Well on some if them you fell for their threatening letters. Bad mistake.

 

As for all those that are credit account send the CCA to all of them this goes to the DCA dealing with them. Cancel the payments and arrangements until you have these documents. You should have come here first. Better late than never. It may now pay you to start individual threads for each of your debts in the correct forums.

 

Vanquis: I bet there are plenty of fees to reclaim and their ROP too. Get the CCA'S off to each of the DCA'S asap.

 

Vodafone head over there and look for the link to contact the Web advisor call Lee.

 

I will update shortly on the others.

 

In future don't call a DCA pop in for further advice. Only call them if you must then record your calls keep everything in writing. But tbh stay off of the phone completely.


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

With the Pra account I may have some useful information that I found last night I'll link to that soon...


If I have been of any help, please click on my star and leave a note to let me know, thank you.

Share this post


Link to post
Share on other sites

old & new thread merged.

 

 

just send the CCA request to those it applies too.

there is no point in sending any default query letter etc

or whatever you are going on about

the defaults are there till their 6th birthday.

 

 

might be an idea to split the mbile accounts off

and go start a thread in the telecoms forum.

 

 

same for the Payday loan stuff

in the payday loan forum.

 

 

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, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites
With the Pra account I may have some useful information that I found last night I'll link to that soon...

 

Thanks i'm intrigued to see this.

Share this post


Link to post
Share on other sites

So i have an update regarding the Wonga & PRA defaults.

 

Last night i sent an email to Experian asking them to raise a dispute for these defaults as i believed they are for for same Wonga account.

Today i had a response.

 

Thank you for your contact received on 23 February 2016

 

*Wonga Com(Account started 31/08/2011)

*PRA Group (UK) Ltd(Account started 11/04/2011)

 

The entry recorded by Wonga Com shows the name of the company that the debt was originally owed to. The second entry recorded by PRA Group (UK) Ltd shows that the debt has now been sold to another ompany to collect.

 

Although the debt is now being recorded twice, only the entry recorded by the debt collection agency will have an effect on your credit rating.

 

Both entries will be retained on your credit report for six years from the default date.

 

If you require any further assistance, please do not hesitate to contact us.

 

Following receipt of this email i rang Experian to ask them if they 100% sure they were the same account and they confirmed they were. They raised a dispute their end.

 

Me being quite an impatient bugger i decided to ring (i recorded it) Wonga. They confirmed that my account should of been updated due to the buy back. They asked to email them a screenshot of the unsatisfied default from my credit report. I will do this tonight.

 

Again being impatient i decided to call PRA UK again i recorded the call. PRA UK have absolutely no record of me whatsoever! Not for the conga debt or anything else!

They have asked me to send a screen shot of the default record.

 

What should i do next other than the screen shots? Is there a template available to order them to remove an incorrect entry i can send along with the screen shot?

Share this post


Link to post
Share on other sites
With the Pra account I may have some useful information that I found last night I'll link to that soon...

 

Any news on this pal?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...