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    • So as predicted relieved dq from Overdale.  Checked MCOL transaction history. Last entry is defence received.  Am I reading that correctly?   my understanding is I I ignore and wait for courts to send one
    • So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one? So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one? So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one? So as predicted a dq was received from Overdale  iv checked MCOL transaction history and the last thing on there is defence received   No dq sent by courts. Am I reading this correctly.    my understanding is I ignore the dq and wait for the courts to send one?
    • Hi  I've received letters acknowledging that overdales have received my caa request and CPR request. No info. I'm going to post you my defence for to look at tonight or tomorrow morning. H
    • Morning,  I have recieved a reply from my request for information. They have replied with the credit agreements for my 118 loan and two Captial One cards.  They have said thay as Vodafone is a telecommunications account it is not regulated so the original creditor is not obliged to provide a copy of the agreement.  What are my next steps?  Thank you 
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Was paying Link for 8yrs on B/card Loan


mystirio
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been Paying a dca for the last 8 yrs for a barclay card loan:-x

 

however with encouragement from this site i said enough is enough

i stopped my direct debit and sent them a CCA

 

today got a reply saying that my direct debit been stopped and to make alternative ways of paying

 

however nothing about the CCA

my plan is to wait and see what comes next:-(:-(

any avice:?:

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Good work

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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As well as PPI, have you looked at reclaiming any penalty charges incurred when you defaulted.

 

Do you still have old account statements that would show such info.

 

:-)

We could do with some help from you

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Thread moved into BC forum.

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 1 month later...

While they're in default of the CCA reply, they can take no collection or enforcement activity.

 

You didn't answer the Q's I asked in post #5 - can you answer them both ?

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 2 weeks later...

ho ho how unsurprising that was....

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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