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pdf them 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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1st letter shows your name

now removed.

 

 

right so they have been sold the debt.

 

 

no indication that I have found that asset go anywhere near a court on these

 

 

willy waving.

 

 

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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Well don't get me wrong if it was my debt Id be fighting all the way but this one isn't even mine ..

 

 

.. On a side note looks as if we might be moving next week out of my mums house which is good news.

 

 

Should I tell them he doesn't live here?

Should I set up a payment plan and then try and claim some of it back via the irresponsible lending route? And maybe offer a full and final?

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No.. not all, dont fall for the DCA tricks. If it does go legal then you can defend. And if you do, it will be interesting how the judge would see how the constant rollovers and the constant taking out of loans.

This could get interesting.... Please stop worrying. If it comes to legal , we can help defend.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I know what your saying but I'm really unable to tell my partner about this. So if it does get to court and he has to go in person what would I do? Id be pretty screwed then ... Thanks for all help so far with this both of you

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we have serious suspicions that many of the so called court cases are a put up job by a mole or company/dca personal relation

just to frighten others into paying. look we won in court

 

 

its rare you get one case in isolation, you usually see lots if they do goto court.

and there are not.

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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No problem, DCAs threaten and Intimidate... Thats all they do to get paid...

 

So... Get me all the stuff for LS that i asked for earlier and we can get this show on the road. Plus as the debt has been sold on... Any redress etc will be payable to YOU!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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There were 16 loans in total with Lending stream - First loan 15/2/2012 Last loan 03/8/2013

 

4 defaulted when I realised I had to get out of the payday trap. All the others were paid back in full.

 

The default amounts were £114 , £212 , £525 and £100 - these were all running at the same time ....

 

Asset collections are claiming £2400ish :!:

 

Looks like they lent out roughly 4600 in just under 18 months for all 16 and at one point the repayment to them was at over £1000 a month .... Talk about shameful, how embarrassing!

 

There were monthly ones pretty much coming in and going out to payday UK too :|

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Youch, would you mind getting a statement from them? LS Not Asset...

Also Tell us more about PDUK? How bad was that?

 

Summarise it using the questions in Post #15

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I know 😩

Yes I will get a statement ... Will let you know once I have it.

 

PDUK were probably about as bad from what I can see, I'll post up tomorrow, have literally just finished work and my eyes can't focus properly lol.

 

Oh and as always thank you for taking time to help and advise. Good night.

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Just popping by to say I am still going with this,

just been having a really hard time lately with my housing situation

 

finally after months of sleeping rough at my mothers house with my family I was offered social housing only to then have the offer withdrawn after a credit check so I have really not been in a good place in my head.

 

I have emailed LS to ask for a statement for all loans, does anyone know how long this should take?

 

I will try and post the PDUK info up after work tonight/tomorrow. And will be back again once I have the loan statements.

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IF LS havent responded within 48 hours, chase again.

Awaiting the PDUK stuff... Im finding that lots of cases have to go to the Ombudsman for resolution.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi, LS have replied saying I need to pay £10 for a SAR.

Ill get that sorted next week then - working away for the weekend.

 

Payday UK

Last loan in 2014 rolled twice and then defaulted and still owe them £287

32 entries on credit report wasnt rolling at first but was paying them off and then borrowing again same month then they started being rolled.

 

I don't know if I'm reading the report right or not, but it would seem since sep 2011 and feb 2014 paid them over £12,000 and the last three entries don't have figures on them so probably closer to £13,000

I feel a bit sick seeing that.

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Hi Redmadam... Yes £10 for a SAR but not a full statement of all loans... But then again the SAR is the right option.

Get it shipped off.

 

£13k...? Arh thats quite bad... Follow the same process for PDUK... Either SAR Them or put up the full loans list in a PDF / Spreadsheet.

 

Do me a favour... Use a spreadsheet to track all the loans and sum up everything that was paid.

 

FWIW... Is there anything that look likes an (Advance Against Income) or (Payday Loan) showing on the CRA?

 

I also have two other thing to say...

 

Number 1 - You have a good heart to go to this trouble and help out your partner... Just make sure he learns from this... :)

Number 2 - What other forums have you been on? IF need be PM me... But Id rather know so we can see what other advise you have been given....

There is a correct way to do this...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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