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    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full


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Im in England now but all this debt was created in Scotland,

7 defaults are from 2010/2011,

originally the debt was £20k.

 

I have been on 2 payment plans

a DPP and a token payment plan through Step Change.

 

After a long period of unemployment i had to sell my house to relocate for work.

 

Im now in a position to clear my debt.

 

I owe 7 different amounts which add up to £15,600.

 

I want to know if its possible to negotiate a reduced settlement figure for each debt.

 

I wanted to do this myself as Step Change seem to have wrong info regarding the amounts i owe,

 

also one guy suggests they might be able to negotiate a reduced amount,

 

another tells me its very unlikely.

 

So i thought i would maybe handle this bit myself.

 

Any tips on how to deal with this ?

 

Has anyone else been successful in negotiating?

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who says all your debts are even legally enforceable?

 

can you list your debts and what they were who with and who owns the debt now?

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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Firstly, check your credit file via http://www.clearscore.com and also http://www.noddle.co.uk and see which are still on your credit files

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Thanks guys. I already ordered an experian credit report so i need to wait days until i can access it. I joined clearscore but its not very detailed, i dont see my defaults listed anywhere, it just lists my negatives, i have cleared the Santander account so my balance should be zero.

 

#####################

 

from clearscore site

 

Negatives

 

You have had at least one account in Default or Repossession (LINK FINANCIAL LIMITED)

You are not on the Electoral Roll at your current address

At least one of your accounts has been seriously in arrears (SANTANDER CURRENT ACCOUNT)

You have no active credit card accounts

 

###########################

 

Here is a list of my debts, my last credit report 2 years ago they were all on there, they stay on my account for 6 years so over the coming months they are set to expire. One debt is an overdraught and the rest are credit cards.

 

Barclaycard (originally Barclaycard credit card) = £2972 / default date 11/02/11

RBS Natwest cards (originally Ulsterbank credit card) = £2216 / default date 28/09/10

Moorgate Loan services (originally MBNA credit card) = £2997 / default date 31/01/11

Moorgate Loan Services (originally MBNA credit card) = £2555 / default date 31/12/10

LLoyds Bank (originally Bank of Scotland overdraught) = £2005 / default date 13/12/10

LLoyds Bank (originally Bank of Scotland credit card) = £1959 / default date 24/12/10

Link Financial Outsourcing (originally barclaycard credit card) = £904 / default date 10/12/10

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so by next feb all will not be showing on your credit file [6yrs from defaults]

so you need to get your voters sorted asap

 

send Moorgate 2*CCA requests

send link a CCA request

 

when were the take out dates of the others 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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Yes so fortunately it wont be long till the defaults expire.

Do you mean the voters register?

Im staying temporarily at my girlfriends house,

im looking to find a place to rent soon,

is it best to register once i move into my own place.

I dont want my poor credit history to tarnish my girlfriends address.

 

Why is it i have only to send the CCA requests to Moorgate & Link ?

 

The start dates are listed below ;)

 

  1. LINK (BARCLAYCARD) CC -----27/11/08
  2. BARCLAYCARD CC--------------02/12/08
  3. LLOYDS (BOS) CC---------------28/11/08
  4. LLOYDS (BOS) OV-DR----------02/06/08
  5. MOORGATE (MBNA) CC--------10/06/04
  6. MOORGATE (MBNA) CC--------14/02/09
  7. RBS (ULSTERBANK ) CC--------09/04/08

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those debts still with the original creditors are really not worth bothering with

and I see they are post apr 2007 so even if they don't have a signed agreement

a recon will do.

 

some of the others aren't looking too rosy either as they are post apr 2007 too...

 

so it could well be not much will be knocked off for a settlement.

 

on the ones that are still with the OC's

there are letters in our library to offer settlements.

i'd be sending them one each.

start at say 50% of the listed value.

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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Thanks again for the advice.

Am i right in thinking you are suggesting i only contact the ones with original creditors?

Would that include

 

BARCLAYCARD CC--------------02/12/08

LLOYDS (BOS) CC---------------28/11/08

LLOYDS (BOS) OV-DR----------02/06/08

RBS (ULSTERBANK ) CC--------09/04/08

 

is this the correct letter template, i dont know if there is another template for credit cards

 

'Mortgage shortfalls: Full and final settlement letter '

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I dont want my poor credit history to tarnish my girlfriends address

 

Old wives tale. The debts go against you. Not the address youre living at.

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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No,

the ones that are still with the OC,

because you took out the agreements post 2007,

they are now able to reconstitute the agreement in order to satisfy and enforce in court.

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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Full and finallink8.gif settlement for any debt

 

 

Mr A N Other

1 High Street,

Newtown,

Kent

R21 4RH

 

June 28, 2006

 

 

The Loan Company

Company House,

Church Street,

Newtown,

Kent,

R1 7HG

 

 

Dear Sir/Madam

 

Re: 4563210025897412

 

We write with reference to the money which you are claming on the above account.

 

We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £775 and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability.

 

We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full.

 

Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment.

 

We look forward to receiving your reply.

 

Yours faithfully

Mr A N Other

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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excellent many thanks for the template, ill get this sent off asap.

The library has so many documents i was not sure which one to use.

I appreciate all the assistance and i made a wee donation by paypal yesterday.

 

My list of original creditors looks like this.

I called BOS the original debt is still with them, LLOYDS own them they said.

 

 

I still get a statement from Ulsterbank so the debt is still with them also.

i can go ahead and send a letter to the following 4 companies?

 

BARCLAYCARD

BANK OF SCOTLAND CC (LLOYDS bank plc on stepchange statement)

BANK OF SCOTLAND OD (LLOYDS bank plc on stepchange statement)

ULSTER BANK CC (rbs natwest cards on stepchange statement)

 

Will i just pay the other 3 in full or should i make some kind of offer over the phone?

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You need to get full statements, check for anything to reclaim such as PPI/unlawful penalty charges etc first before you go sending letters.

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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Make sure you check enforceability and check for anything to reclaim before you go offering F&F settlements. I know you want to get rid of them quickly, but it may pay well to do some homework first.

 

i was told, because they are after 2007 they can be enforced in court

 

You need to get full statements, check for anything to reclaim such as PPI/unlawful penalty charges etc first before you go sending letters.

 

i never had ppi, there is a good chance that there are charges that can be challenged but i would rather just clear my debt, if they accept a reduced amount then this will cover any of those costs.

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i was told, because they are after 2007 they can be enforced in court

most probably yes

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 was told, because they are after 2007 they can be enforced in court

 

Probably. Not 100%. get checking. If its enforceable, then you need to do research so you can reclaim.

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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for sake of clarity

 

 

 

  1. LINK (BARCLAYCARD) CC -----27/11/08 - CCA request
  2. BARCLAYCARD CC--------------02/12/08 - poss F&F after reclaiming
  3. LLOYDS (BOS) CC---------------28/11/08- poss F&F after reclaiming
  4. LLOYDS (BOS) OV-DR----------02/06/08- poss F&F after reclaiming
  5. MOORGATE (MBNA) CC--------10/06/04 - CCA request
  6. MOORGATE (MBNA) CC--------14/02/09 - CCA request
  7. RBS (ULSTERBANK ) CC--------09/04/08- poss F&F after reclaiming

there is NO HARM

for the sake of £1 in sending a CCA to the original creditors ones mind

the better or additional idea is send an SAR get all the statements

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 many thanks for the information, i really appreciate your help.

 

Is there any chance of getting more fee's added while i write for this information? Step change is no longer making token payments.

 

Is there a database of addresses of where to send the CCA or SAR ? Or will i need to call each creditor for this? I have an address for Barclaycard and Moorgate.

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if you use our search cag box of the red top tool bar

they are all here on threads

 

ie type in

link financial address

 

and you'll get a list of threads with it in

likewise for the others.

if you're stumped on any

shout

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 only one i know off the top of my head is BC

 

Barclays Bank plc

Data Control Dept

Radbrooke hall

Knutsford

Cheshire

WA15 9EU

 

id send the Lloyds stuff to the HBOS address

 

HBOSlink3.gif PLC

DSAR

PO Box 791

Leeds

LS1 9LR

 

For SARs relating to RBSlink3.gif credit cards;

 

Data Protection Officer, The Royal Bank of Scotlandlink3.gif plc, credit card Centre,PO Box 6050, Southend-on-Sea SS99 1WL

 

MBNA Europe Bank Ltd

PO Box 1004

Chester Business Park

Wrexham Road

Chester

CH4 9WW

 

Barclaycard

Registered Office 54, Lombard Street, London, EC3P 3AH

 

just to clarify

you only need to send ONE SAR per bank

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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Barclaycard

Registered Office 54, Lombard Street, London, EC3P 3AH

 

SAR's for BC go to Knutsford dx, it has a dedicated Data control Dept

 

Martin

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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are yes remember that one now

 

 

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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Thanks for all the effort you guys are putting in. I have been working over the weekend so i was waiting till today to get back to this thread. There is a bit of a variation on the addresses i had for Barclaycard and the ones posted so i decided i better phone the creditors and get an up to date address.

 

I was told by the woman at BOS that i cant get a SAR for my old bank account, i could only get one for my old credit card debt. Is this true, remember i have one credit card debt and one overdraft debt with BOS.

 

Do you mean i only pay one fee to a creditor even if i am requesting for 2 accounts?

 

Here is the addresses i was given.

 

Link Financial (CCA REQ to be sent)

PO BOX 30095

LONDON

SE1 7WU

 

----------

 

Moorgate Loan Services (CCA REQ to be sent)

PO BOX 16140

SOLIHULL

B91 9HH

 

-----------

 

Barclaycard (SAR to be sent)

PO BOX 5402

NORTHAMPTON

NN4 1ZR

 

----------

 

BOS (SAR to send)

 

HBOS

DSAR

PO BOX 548

LEEDS

LS1 1WU

 

------------

 

Ulster Bank (SAR to send)

Ulster Bank Customer Services

PO BOX 5747

SOUTHEND ON SEA

SS1 9AJ

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Sar is for all accounts

She talking sillies

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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