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    • Thank you all for your help/advice/responses.   I saw the car briefly yesterday - Unfortunately while I test drive cars properly on any normal day, the dealer had a number of covid-era rules and one of them was a max 15 min drive.  From the 15 mins, the car seemed fine and still has 6 months original manufacturing warranty so I'm fairly safe.  Body/interior was also fine - I accepted the car BUT...   Today I was told the balance after the part-ex (car) + the £99 deposit (credit card) can only be payable via BACS and not card.  They (Sytner group) have a £2000 limit by chip and pin.  I vaguely remember this with my current car but while they were happy to BACS on the day, Sytner need it 2 days before/latest day before.   In response to Homer67 - is this the case? Am I being silly going for BACS or is this normal practice now?  I doubt Sytner will be folding anytime soon so no real risk of the money going into a dark hole ( I hope)
    • Ok, so do you think court will be sending me a letter next for my statement?
    • I'm sure we can help you – I don't really understand the full story and I'm afraid that I still need to ask you to set it all out in a bullet pointed fashion without too much narrative. Looks to me as if you had two fridges and you've been let down and both of them and fobbed off on each one for some reason or other. You suffered losses including loss of food and you seem generally to have been mucked around. However, you need to tell us the story concisely. It seems that there are two stories so why don't you post one story about the first freezer and what happened and then post the second one. It may well be that we can help you recover compensation in respect of both of them.
    • well it looks like people are wrong here and i am confused as why i took so long to get a simple answer (and just beating around the bush) and as per PP they normally cancel on first appeal when challange.....   From PP forum   9 (2) (a) No period of parking. Moving in front of a camera, by definition, is not parking. 9 (2) (e) Invitation to keeper is not there in the required format 9 (2) (f) Notice of keeper liability is incorrect. Here's POFA: https://www.legislation.gov.uk/ukpga/2012/9...edule/4/enacted Dear Sirs, I have just received your Notice to Keeper No. xxxxx for vehicle VRM xxxx You have failed to comply with the requirements of Schedule 4 of The Protection Of Freedoms Act 2012 namely, but not limited to, failing to give notice of keeper liability as prescribed by section 9 (2) (f) of the Act. You cannot, therefore, transfer liability for the alleged charge from the driver at the time to me, the keeper. There is no legal requirement to name the driver at the time and I will not be doing so. I do not expect to hear from you again, or your debt collectors, except to confirm that no further action will be taken on this matter and my personal details have been removed from your records. Yours etc First class post with free certificate of posting from a post office. The other POFA fails will go into the POFA appeal if required.
    • you cant raise a section 75 against a retail, you have no credit agreement with them under the said Consumer Credit Act 
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administering my own DMP.help


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The original creditor or the DCA will serve a Notice of Assignment informing you that they now own the debt...you can always check vis a credit files to see who the debt is defaulted under.

 

If the DCA is only collecting or acting for the Original Creditor ...post back here for further advice.

 

Andy

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Thank you for the information, one letter from the OC says it's been 'referred' to a DCA.

Another letter from a different creditor says it has been 'transferred" to a DCA and the DCA says they have been 'instructed' to collect the debt.

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Check your Credit Reference Files...that will answer your query

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 The National Consumer Service

 

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

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both show by their wording the debt is still with the original creditor. They tryand blur it so you think that somehow you owe the money to the dca, who will add an unlawful fee to your bill for their troubles. basically thye are like estate agents, they have nothing to sell that belongs to them.

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letter from the OC says it's been 'referred' to a DCA.

Another letter from a different creditor says it has been 'transferred" to a DCA and the DCA says they have been 'instructed' to collect the debt.

 

As EB says, unless they mention sold or bought, they are simply the powerless gophers begging for money, ignore them.

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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  • 1 month later...

probably 2007/8 I think.

 

I haven't sent a CCA request,

I am responsible for all the debt,

I am trying to do the DMP myself.

 

Most of the other cards are under 5 years old I would think.

 

It may sound stupid but I was trying to do the right thing.

Got paperwork coming out my ears and trying not to sink.

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yes like me you are the 'moral age'

but that means stuff all today

as you've probable paid back what you owed anyway several times over now

 

can you list your debts and we'll help out?

 

for each debt tells us..

 

the original creditor

type of credit

when taken out

defaulted date from credit file

who now owns it now [see credit file

how much is outstanding.

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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sure

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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Hi Dx

 

Here is the information you require:

 

1) Santander unsecured loan, taken out 2013, £1826 outstanding, default notice sent 11/10/17 not showing on credit file yet. Accepted offer of £10 payments.

 

2) Santander CC, Taken out 2013, £2934 outstanding, not accepted offer.

 

3) Virgin CC, Taken out 2009, £685 outstanding, not even acknowledging my letters.

 

4) MBNA CC, Taken out 2014, £6955 outstanding, accepted offer of £20 payments

 

5) Halifax CC, Taken out 2014, £4037 outstanding, default notice sent 15/8/17, being awful, constantly doing automated phone calls.

 

6) Barclaycard Taken out 1995, £12,217 outstanding default notice showing on credit file - date October i think

 

7) Asda CC Taken out credit file showing 2012 but I thought it was before then, also showing as Sygma bank which I guess is the same as Creation outstanding is £9544. It has been passed to Moorcroft to collect who have recently written to accept my payment offer that I made to creation.

 

I know it looks like a lot, I have never missed any payments till I found myself out of work. The job I have now no longer affords me the luxury of these debs unfortunately, thats why I have been trying to set up my own repayment plan.

 

Your advice would be gratefully appreciated.

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Is the BC debt still owned by BC?

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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why?

that's peanut

there are people hear with £10k's of debts like these

 

kill the barclaycard one [ and that will be easy as they'll never be any enforceable paperwork for a 1995 agreement]

and the rest are very low and easy to deal with.

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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Share on other sites

are these on your credit file [particularly the BC]

you didnt answer that for each

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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Share on other sites

and that date is?

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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Share on other sites

so you've never since 1995 missed any payments or been over your limit?

 

I would of expected a much earlier defaulted date in the summary section

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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Share on other sites

No I haven't as far as I recall,

I was working in a good job in 1995 so I can't see why I would and I have worked ever since?

 

I looked again and it is showing 'account settled' 4/7/17 is that what you mean?

 

The first payment I missed this year was due 15/5/17.

 

Why would you expect an earlier default date?

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urm if it says account settled

does this mean its now owned by a DCA?

 

typically for a card that old we normally find people have had previous payment issue and because that default has reached 6yrs long ago the account no longer showed

but as you've explain you financial situation was different to most.

 

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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Share on other sites

it would be advantageous to you if it were

they'll never get a compliant CCA for a 1995 Barclaycard!!

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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