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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

We could do with some help from you.

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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

 

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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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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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