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    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
    • receiving a default NOTICE (forget simple default cal markers) does not mean it will get sold on... OC's very very rarely do court themselves.  if it does you would receive a Notice of Assignment from the debt buyer/DCA.  as for reduced payment if it remains with the OC and they issue a DN, no harm in trying but lets get all your ducks inline first. dx  
    • okay thanks do you know how long it will take for it to get to the DCA or could the OC try and issue a CCJ? even though it's unlikely also for example would the OC agree to a reduction and a small payment over a super lengthy period of time if agreed? Rather than go through chasing apologies again for all the questions, just trying to understand all the possible scenarios.  
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Halifax Agreement Enforcable


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So you took this out in 2005?

 

What's the story behind it please? What do you want to achieve?

 

Is this in response to a CCA request you sent?

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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atts unapproved

as the T&C show your pers details

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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Atts unapproved just means that the info you left on the scans identify you, you just need to ensure that you fully redact all info that can be used to ID you.

 

So you had a 5K loan? When was the last time you paid or acknowledged this in writing?

 

How much do you owe now?

 

What is the reason why you stopped paying this?

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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I sorted the attachment! Thanks!

I paid the debt for the last 6 years with Payplan however I stopped payplan a few months ago! It defaulted February 2011 so will drop off next year.

Now the aim is to fix my credit score, so that I dontget fleeced on interest rates anymore.

It was for a credit card and there is 5k left. Its managed by Apex.

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Who is shown as the owner on your credit file..HBOS?

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

Unfortunately you won't be able to fix your credit file, the damage is already done, and until this drops off next year, whether you pay it or not, your credit rating won't improve.

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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Erm, did you take the card out and spend the money on it?

 

If so then yes.

 

If you're having difficulty paying this? then have you written to the bank informing them of this?

Have you agreed a payment plan with them?

Have you stuck to it?

 

Why did PP stop?

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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OK, but debt avoidance isn't going to help you, nor is that what CAG is about.

 

Have you written to the bank and told them that you're unable to maintain the agreed payments?

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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OK, but debt avoidance isn't going to help you, nor is that what CAG is about.

 

Have you written to the bank and told them that you're unable to maintain the agreed payments?

 

I am not about avoiding it! an if I do who cares, they lent the money(unsecured investment) which didn't pay off.

So on the one thread everyone say CCA them...

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Sorry uploaded the wrong one! Fixed!

Thanks for spotting it.

 

Regarding the images in that post... Is that all they sent? Because if so, its not compliant.

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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Nothing right now. They havent even sent anything that could be considered a reconsituted one, even though they need to send a copy of the original. THey know this.

 

Also, who is chasing you. Halifax or another company.

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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Theres nithing else you need do for now unless you receive a claimform.

 

On the face of it the agreement is not enforceable, but that wont stop them trying to claim from you.

 

Come back if they issue a claim

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they'll sell it on

 

 

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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Share on other sites

wheres the agreement mate - till then bugger off.

ignore

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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