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    • The two companies are lowell and cabot.   I'll get the information and come back with it.   I did do quite a bit of 'Google' research before coming on here. There's a lot of confusing information out there they seem to tell you half the story.   Just so I'm clear. Bailiffs in my situation, if authorised by a court. Can enter the property through an unlocked door and seizure goods? Or can they not do that with a consumer credit ccj? Or point me in the right direction so I can read up on it.   Thank you for your help. It's good to finally speak to somebody who tells you how it is.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help         Edit:   I was jus reading the cpr 13 template and it says i am requesting: " (template removed - dx)
    • Hi dx   Post 23 letter has been hidden as has a name in it. I did read the thread and in post 7 saw mention of 'must complain within 3 years of being aware it was mis-sold' if this is what you are referring to? Also my policy is live currently.   I think you know this, but it seems the RBS/Halifax agent doesnt know, that 'I became aware it was mis-sold just before I raised my claim (2019) having read a media article'  as I dont think the PPi team showed them the original claim form maybe, who knows.   Expanding, sorry I missed the word PPi after 'loan' in my post you quoted and highlighted. To be clear, the life protector was not for a loan, but a mortgage, and that mortgage did have a mis-sold PPi on it which they have admitted and refunded.   If it helps, I have several mortgage offers here from 1999 and they say 'Minimum life cover to be assigned to the bank'    The odd thing here is, I started the mortgage and PPi in 1999 but it was 2003 this life assurance started. I do categorically recall being told it was something I had to have though.   Many thanks   E 
    • MP's are good for other things but for some reason are not very good for Council Tax.
    • I've just acknowledged the claim and im reading up on how to do the cca and cpr requests now.   Thanks for all your help  
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old car purchase properly terminated - Stat barred?


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Just trying to get this clear in my head,

 

old car purchase properly terminated via section 99

sold on to various DCA

 

usually gets to letter before action

send copy notice and lenders admission

they ignored notice see you in court it

 

goes away for goodly while

has just resurfaced ( with massive discount on alleged amount)

but it is now since 2009 when the first alleged debt was claimed.

 

As I understand it

all the time the DCA contacts me

and to avoid going to court

I respond saying I do not acknowledge debt here is proof they can keep passing it around trying.

 

Now if I say that I have no intention of effectively wasting my time as its out of time anyway

have never acknowledge the alleged debt

and have no intention of ever doing so

they should stop?

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Sorry, but I can't imagine that anybody would really understand what you've written here.

 

Please would you present it in a way that you would like it presented to yourself – meaning punctuated, spaced – and generally intelligible.

 

Thanks

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if it was 2009 it will be statute barred yes

sent them our letter from the library.

that's all!

 

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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Looks totally different to preview think last response answers but lets try this:

 

  • Old car hp agreement properly terminated by section 99 notice
  • "debt" sold on to various DCA
  • On receipt of letters before action send copy notice and admission from lender they "chose to ignore" notice
  • Nothing heard for a while then back to above now however its since 2009 that "debt" is supposed to have been accrued
  • I think that while they could keep attempting to recover the non existent debt now having never ever acknowledged "debt" I can tell them that as it would be statute barred anyway I have no intention of any further contact and require them to cease all activity

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