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Hi

Thanks for advice, not got access to details of exact payments at moment but i know roughly what they are, i pay £170 a month to payplan.

Cabot gets £63 mbna sold 4 accounts

Capital 1 £17 c/card

DLC £19 direct legal+ collections

Hbos £ 6 overdrawn bank acc

RBS £ 9 c/card

Tesco loan £33 pers loan

Link £12 c/c coop sold on

p/plan £10 insurance payment .

Re some answers i got back,

what i am worried about is the fact i own my own home/car and payplan say i could be made to sell them to pay off my debts off due to the amount equity i have, as even if defaults are off my credit file i still owe the debt and if the cca is not enforceable i would be worried if i stopped paying, could i be made to sell home to pay debt off, by action from the companies.

Edited by Valley Boy
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without an enforceable CCA no-one can go anywhere near a court

 

now sadly as you've started a new username

your old threads have vanished some how

but before they did I see you've been advised by me 4 times now to get some CCA requests running

but you always disappear and never comeback??

 

if we give yu advise this time

are you going to take it?

or

are we wasting our time again?

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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Hi

Thanks for advice,

 

not got access to details of exact payments at moment

but i know roughly what they are,

i pay £170 a month to payplan.

 

Cabot gets £63 mbna sold 4 accounts - CCA request for each one

 

Capital 1 £17 c/card

 

DLC £19 c/card sold direct legal+ collections - CCA Request

Hbos £ 6 overdrawn bank acc

 

RBS £ 9 c/card

 

Tesco loan £33 pers loan

 

Link £12 c/c coop sold on - CCA Request

 

p/plan £10 insurance payment - cancel it.

Re some answers i got back,

 

what i am worried about is the fact i own my own home/car and

payplan say i could be made to sell them to pay off my debts off due to the amount equity i have,

- only by a judge

 

as even if defaults are off my credit file

i still owe the debt and if the cca is not enforceable i would be worried if i stopped paying,

could i be made to sell home to pay debt off, by action from the companies.

- poss but they'd need enforceable paperwork

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

thanks to sterling work by the backroom boys

I've managed to get your old threads back

and those that are relevant

are now merged to this thread...

 

 

so I see you've gone thru the CCA request debacle before.

 

 

I seriously question you wisdom on paying any debt thru PP that you did nor get a CCA return on

that we saw and checked as enforceable.

 

 

beginning to sound ike your are 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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Share on other sites
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