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    • stuff and all they can do .......they are TOTALLY powerless   and you are well used to dealing with REAL bailiffs anyway looking at your history   
    • ok Finally got home!   I'll try and keep it short however we finally got to an agreeable place   Walked over to sales as there was no more servicing could do especially as the aftersales manager quite simply said they will not be footing the bill. Spoke to the salesman, updated him and he was lost for words and had to ask me where things were left -  Requested senior management to come down - both head of business and general sales manager are off for half term.  That left the buying manager - ironically the same who purchased the car in for the dealership.  He was called downstairs but in the time that he did, he must have called the aftersales manager.   Once down, everything suddenly changed -  I was told they are now 'reaching a compromise' (I assume between the two departments) and it will be put right.  The part is being ordered, is on backorder for 2-3 weeks and once in, they will fit it. This of course means I am potentially out of my 30 day exchange/1000 mile exchange however appreciate I can drag it out if it came to rejecting it.    I got the aftersales manager to put in writing the part IS being ordered and if the part does not for whatever reason fix it, I CAN exercise the exchange regardless of how many days/miles I am out. --This was CCd to the sales manager, the service advisor and the buying manager stating he is accepting/making the decision in the absence of the two other managers.   So all in one- another wasted 5 hours there + the drive up/down but we are hopefully now at a point the final issue will be either permanently fixed or it will be the deciding factor of returning the car.  The part-ex has also gone so it's not like we could even just change back for now.   The part is scheduled to arrive pretty much the week of our due date which really messes this up in terms of transport/planning however we'll cross that bridge then - for now, I need to destress the other half who really did not need this especially with what is essentially for her the baby car    Could I ask - IF it does not fix it and we decide against the exchange - can we still reject?  If we can, what happens to the part-ex thats now gone/auctioned off?   I too believe 99% it will fix it but just curious.     Also just for anyone else taking an interest, the MMI unit that is faulty is not just the navigation but everything Audi - phone, radio, cd, sd card, service indicators, settings for the various components - its all part of the MMI brain.  And so the reason this is important that it is resolved is usually with this unit, if one part fails, it's likely the entire unit will fail.      
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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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

 

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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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Share on other sites

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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