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very old B+B mortgage shortfall CCJ - order to attend court - help!


divadeb
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I'm so confused right now I don't know we're to start with this SARs.

 

 

I can't understand any of the paperwork.

 

 

Some of the logs are written so small I can't read them,

some of the paperwork has printed out green and I can't make out some of the writing,

lots of it has codes that I don't understand........I'm at a total loss

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They should have provided you with a code sheet to be able to translate what they mean. If they haven't they are in breach of the requirements.

 

They must supply any documents in a readily legible format. failure to do so is also a breach.

 

Write back and remind them of their duties and tell them that the next port of call will be the Information Commissioner if they do not fully comply with the request.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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well you might find if you scan them

you can zoom and change colour to B&W too

 

 

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 wasn't sent a code sheet so don't know what some of the paperwork means.

 

I can't scan anything etc as I only have an iPad.

 

Is there anyway I can take a photo of some of the paperwork for so someone can have a look at what I'm faced with.

 

Also any tips on filling in the income/expenditure form as they want it back ASAP

and I don't want them to enforce the CCJ as they might apply for an attatchment of earnings.

 

Many thanks.

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photo the statements

and the mortgage agreement please

 

this I&E

if its not from B&B you ignore it!!

 

and where this about a CCJ come from?

what CCJ?

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 the only thing you haven't got is copies of letters they sent me over the years asking for payment and income forms, you don't want all them sending as there is about 150 papers lol

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best I can do

if anything is missing or blurred

resend me a better copy

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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things that strike me

 

life insurance reclaimable

PPI reclaimable [or life mis stated on agreement as PPI?]

 

from the statements - reclaimables

 

trace fees [lots of £26 fees throughout

[lumpsum /legal 2006 june

costs 1997]

instruct sols fee 1996

 

I also question the need for contents ins

 

redemption fees don't sit right with me either

 

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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Dx .......I'm glad you can make out what it all means lol ......

What do I do now?

Did you read tha latest letter about enforcing the Judgement if they don't get the income/expenditure form back.

Thanks again I don't know what I do with yours and everyone's help.

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several are undated

you've covered the date up

is this the letters from Darren furlong?

 

if it is it says instructed

doesn't mean anything.

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 ..... Yes that's the one......they will instruct solicitors to commence legal proceedings to enforce the Judgment they hold..... Do I ignore? What is my next plan of action and can anyone guide me in the right direction. Cheers.

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Instruct is dca speak for might could may

 

Might instruct them

Doesn't mean they will

They might advise differently

 

Something really really smells here

 

Next move

Already detailed in post 34

 

Get reclaiming spreadsheets going

Total up all I've mentioned there

 

On the court case

It was a repo case

 

Why did you never attend?

 

And the house went for £13k!!

What..

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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contents insurance nowt to do with building

but any buildings insurance can really only be reclaimed if you were told

no mortgage unless you took the insurance with it or you had cover from elsewhere.

 

 

Life insurance is another one they coud argue was needed

but again if you had a pension or work related life cover it will be another unnecessary cost

but really for you to prove that it wasnt needed.

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Dx I don't understand what you mean, sorry for been rude lol

 

instruct is DCA speak for might could may

 

Might instruct them

Doesn't mean they will

They might advise differently

 

My house was repossessed and I never went to court as I had already said they could have the house.

 

 

I had months and months of battling with B&B to the point I had no more fight left in me.

It led to a nervous breakdown.

They sold my house at auction for £13,000.00 I was gutted.

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Dx I don't understand what you mean, sorry for been rude lol

 

instruct is DCA speak for might could may

 

Might instruct them

Doesn't mean they will

They might advise differently

 

.

 

 

simply put

it doesn't say WILL anywhere

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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The last letter from Darren Furlong doesn't say they WILL anywere in the letter

only they will instruct solicitors to enforce the judgement.

 

Is this what you're on about.

 

 

The income form doesn't say who has sent it so don't know if it's from B&B.

Sorry if I sound daft.

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have I got that letter?

and did the I&E come with 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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ok all eventually came thru even the supposed blocked emails

 

here is every doc you have sent to me

please check that its all here and let us know.

 

two things standout

 

its a threat-o-gram..doesn't say will anything

 

looks like you got spoofed on building [ if you already had it?]

contents - not needed

ppi - not needed [see below]

 

critical life - not needed [ mentioned elsewhere in their docs as PPI?

but it wasn't or was it the otherway around.

 

lots to reclam that's for sure

but i'm noy even sure you owe anything.

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....... These are all the letters that are important, all the other letters are just requests to contact them and I&E firms.

 

 

They did also send me a letter offering me to settle the account at a discount of £15,000.00 lol.......

 

So what's next, Please. Thanks.

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ah that's use full

you should check there are no more discount letters too

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

say you owe £46k but years ago were trying to settle for £15k...

 

blimey so a £31k discount..

doesn't say much about their confidence of winning it then.

 

pers I'd totally ignore them.

 

obv points to there is little if anything they can actually do to you

and these letters are mere threat-o-grams to instigate a response.

 

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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