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Need advice - £70k debt - should I quit DMP now?


torch1
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Not if you have already sent IDEM one...Wescot do not buy debts...just chase.

 

You mean IDEM are paying Wescot to do them same thing that IDEM do, send out letters?

Why would they do that? IDEM already sent me CCJ PAP forms etc. Are Wescot more likely to initiate the court action than IDEM then?

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only the owner of a debt can do court

 

as for why they are doing this

how on earth do you think the industry works?

 

its all DCA's can do threaten

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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Are Wescot more likely to initiate the court action than IDEM then? Do you read the abover post?????????????? wetcloths are only hopeful commission collectors = no powers use their letters as spare paper for another room if you run out

:mad2::-x:jaw::sad:
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  • 3 months later...

Today I received a white county court claim form from northampton for the MBNA Credit card 2008 – now with PRA GROUP - £2723 – defaulted 2012.

 

On 12th Nov PRA Group wrote to me in response to my returned PAP form where I stated I dispute the debt because I need more documents or information. Specifically I wrote:

 

I need a copy of (1) the Default Notice, (2) the Notice of Assignment, (3) a complete set of statements detailing exactly how the debt has accrued detailing: (a) All Transactions, (b) Any additional charges, be them by the original creditor or you PRA Group (UK) Limited, the debt purchaser or any predecessor, © Details of all contractual interest added by whom and on what date, (d) List of ALL Payments made toward the Agreement.

 

 

The PRA group letter on the 12th said, that in response to my query (PAP form) please find enclosed copy of statement of account from MBNA and a copy of the credit agreement (was an online application 2008) plus statements from the MBA credit card (virgin).

 

The letter goes on to say that they will put the account on hold for 30 days until 12th December to allow sufficient time to receive the letter and contact them.

 

Today I received the county court claim form.

 

I don't know what to do now? Please advise. Should I try to a negotiate an offer with PRA or will I have to pay in full somehow! I don't want a CCJ registered.

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Hi torch1 ...please start a new thread for the court claim in the Financial Legal Issues forum

 

Regards

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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defaulted 2012, when exactly? If it was before the 12th dec the debt will be SB so they will lose.

When did you last acknowledge the debt? demanding sight of paperwork is not an admittance the money is owed, it is merely a request for them to show proof there is a debt for you to consider.

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I think he might have been paying it off as part of the DMP he was on.

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

 

If you want advice on your thread please PM me a link to your thread

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  • 1 month later...
60% discount offer received from Lowell today regarding post 2007 HSPF loan - previously with Wescot.

 

Guaranteed to be an unenforceable debt. Have you CCA'd etc to stop them in their tracks before they try and call your bluff with a pap?

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 what debt?

Not sure where we ever recommend sending a cca to a dca that is only a chaser..it goes to their client...

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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