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DCA threatening to take old provi debt to court


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my sister-in-law has received a letter from a DCA

stating that they are taking the matter to Court (Northampton)

 

They do state a date when this action will take place.

The Provident debt is quite old.

She did not stop making payments previous DCA they just stopped taking them (via D/Debit) without any explanation

, then she made the mistake of phoning old DCA who was taking over.

 

 

My advice was to ignore any phone calls from them until they had at least sent her a letter.

As she had not received any letters from current DCA.

my s-i-law in her early 70's as is quite worried.

 

any and all assistance will be heeded

 

Thank you

DK

:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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It may well be that the debt is now out of date and so the DCA cannot take her to Court

-not that they could anyway if they do not own the debt.

 

 

Can you please find out when the last payment was made

and you are right of course that she should not speak to them on the phone.

 

 

As they are threatening legal action, she should insist that all communication be by letter only.

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Which dca. We also need dates, amounts, have you sent a CCA request?

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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Thanks for your response's

 

S-I-Law misread the Court part,

 

 

B-I-Law said it was To The County Court Business Centre, Northampton.

 

 

Just shows how underhanded the DCA's are.

 

That being the case immediate threat passed.

 

I need to know now what she has to do to take her own action against DCA

ie CCA Request or old debt or even on hardship grounds or other alternative ways to act.

 

As yet I have not seen sight of letter she lives approx 45 miles from me and she she telling my wife about it,

hence sketchy details so far.

 

 

I will be able to relay more details as needed soon.

 

DK

:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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We also need dates, amounts, have you sent a CCA Requestlink3.gif?

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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have not sent CCA Request yet

:welcome::rofl::welcome:

 

 

 

 

 

[sIGPIC][/sIGPIC]

 

 

 

:tea:

 

 

 

most of my knowledge is from the school of hard knocks

 

not based on any legal background

 

As quite a lot fellow caggers state seek Legal Advice

 

 

:ranger:

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dates

amounts

last payment

was the debt a rollover loan?

 

 

is this on her credit file

 

 

we need information..

cant advise without it please

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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