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Payplan and my debts


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Hi guys

 

An update: None of the DCAs has been able to provide copies of original agreements which I signed. Two DCAs didn't even answer.

 

However, I CCA'd MBNA and Yorkshire Bank and got copy documents from both Yorkshire Bank and MBNA. Yorkshire only has a copy of the original agreement with regard to my credit card.

 

So this is what I intend to do - advice would be most helpful.

 

I intend cancelling Payplan and stopping the standing order. Then I intend to write to the DCAs who are collecting for the Yorkshire Bank credit card and the MBNA card and advising that I have cancelled Payplan and arrange a payment plan with them.

 

Does this sound OK?

 

jasmineuk

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no you cut out the DCA's totally

gives them a false feeling of grandeur

 

 

you should of cancelled PP 2mts ago..

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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posts 10-14

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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you need to scan up the CCa returns you have got please

who says they are enforceable

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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that's all we all use a single page scanner

read the upload

and scan everything to ONE PDF file then upload

it might be better for you to start a new thread

for each card you have a return for

in the named bank forum off the top left mainform tab.

 

 

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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I sent a CCA request to the DCA and got no reply. One the suggestion of another CAGGer I sent off a SAR and this is what I got back. There were other documents with it (copy statements etc) but nothing else with my signature on.

 

The SAR was answered within the 40 days, yes.

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check the YB doc is not too large..must be PDF

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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had to hide your upload

you've not redacted it properly

 

 

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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No reply from the DCA regarding your CCA request means you can laugh at them once the stautory timeframe has expired. Its highly unlikely theyll ever get it. Especially if the OC cant produce it.

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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