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torch1

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

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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


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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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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


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

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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

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I CCA'd Wescot over a year ago but not Lowell. Should I send a new CCA request to Lowell?

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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