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Simon1959

been paying Gregory Pennington 12yrs now

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cash cow debts nicely showing out now

how much is that wiped out now?


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£500 from the Cabot one

£180 from that one ( Next ) £680 ish in total not bad for 2x £1 postal orders

I would imagine we'll get a letter from debt managers now should we just send the CCA request and the returned postal order to them as they are the same people

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no don't bother let it run


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Just a quick update apart from the two mentioned in my last post none of the other creditors have contacted us YET

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all out of time then...

the list of cash cowed accounts must be growing too then..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed

This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount

Is it safe to say another one out of the milking parlour

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Excellent, yes 50% discount is their secret code for, ''We've got nothing''.

 

 

You can always ignore their arbitrary time limits too. They have delusions of grandeur!


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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Received a letter from moorcroft today who have been asked by arrow global Guernsey to take over the administrator of your account

 

I've never heard of arrow but judging by the balance of £255 it's a debt that was held by national collections office

 

This is the first I've heard of this debt since I stopped paying them all last November

I've been sending a CCA request to creditors as the letters arrive

 

Should I send a CCA request to Moorcroft or to Arrow as I've read on here that moorcroft don't buy debt they just try to collect for there clients

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Always the owner..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Another letter from moorcroft today sorry we have not heard from you we may be able to offer you a discount

No response on the signed credit agreement sent to Arrow on the 22nd Sept regarding this looks like this ones coming out of the milking parlour

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Another waste of paper.


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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Quick update received reply from credit security Ltd reference CCA request

 

We are unable to action the enclosed as we are no longer instructed in this matter

Please forward all payments to debt managers --Next

We apologise for the inconvenience

They have returned the postal order

 

Had a letter today from Next reference the above quote

It says

According to our records your debt remains unpaid

We are currently preparing to sell this debt to an external Debt collection agency who will legally own the debt following the sale

If we do not here from you by 14th October your debt will be sold

I take it I just ignore as I still have no signed credit agreement from them

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Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed

This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount

Is it safe to say another one out of the milking parlour

 

And this has now gone up to 60% discount

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Had a letter today from Next reference the above quote

It says

According to our records your debt remains unpaid

We are currently preparing to sell this debt to an external Debt collection agency who will legally own the debt following the sale

If we do not here from you by 14th October your debt will be sold

I take it I just ignore as I still have no signed credit agreement from them

 

good luck on buying the lemon debt then Mr DCA

I bet next wont tell you its devoid of an enforceable agreement...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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And this has now gone up to 60% discount

 

give us something before we have to realise we bought a lemon.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It's all happening today Arrow have sent my £1 postal order back saying they don't charge for CCA requests

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they think that absolves them from having to fully comply with the CCA.

it doesn't!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Another letter from arrow

Acknowledge our request for a signed credit agreement

Also that we do not accept that we are the creditor as envisaged by the consumer credit act 1974

However we are willing to assist in obtaining that which has been requested

We will now process your request for documentation from the credit and will revert in due course

We confirm all collection activity will be suspended pending provision of the documents

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Again a std reply for arrows if you go read any arrows cca thread


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Quick update Cabot appear to have purchased the Next debt £160 and look forward to hearing from us

This next one seems to being passed about well since CCA d Next

I take it I just ignore Cabot

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Nope. Just cc a them. Cabot can get pretty litigious over lemon debts. They hope to get judgement by default.

 

Cca them and you know they can't reply.


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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Wescot are offering a discount on the Santander debt if we ring them to discuss it 🤔😁

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