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HFC/IDEM CCA Response


jardinipops
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Hi

 

Ive CCA'd all my creditors. I have had a response from IDEM for some sofas I had from DFS.

 

They have sent me the original credit agreement I signed in DFS on 24/11/07 with a copy of my driving liscence.

 

They have also sent me a list of all payments made, apart from they have missed off the first year of payments made through payplan.

 

So I am guessing that this debt is enforcable so where do I go from here shall I set up a repayment plan for this, do you think I could try and F&F. Should I enquire about the missing payments?

 

The last payment made to them was recently on 04/12/17 which was the last payment I have made into my payment plan.

 

Thanks in advance

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can you scan up what they've send to one multipage pdf please

read UPLOAD

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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bit blurred

and where the rest of it?

there should be pages of T&C's

 

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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bogroll

 

ignore them or any others that send or don't send stuff back

that is devoid of all most of the required prescribed terms and has no additional T&C's which are refered too within the body of the agreement.

 

just never ignore a pre action protocol letter of claim

or

a genuine court claimform directly sent from northants bulk court.

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 is

that's bogroll devoid of the required T&C's etc etc.

 

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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oh and go reclaim the PPI!!

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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got any statements?

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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  • 2 months later...

Hi been a while since I replied but I have rooted through old paperwork and can’t find anything regards to the ppi. Is it worth me sending a claim in and see what happens? My only concern is does that reset the clock on statued barred? Should I now consider this unenforceable due to the lack of t&cs?

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reclaiming ppi does not reset anything

 

you need the statements to see if you have ppi ideally.

pers i'd hold for a month as the new GDRP rule come in soon

which means an sar will then be free rather than sending one now that cost £10.

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 been a while since I replied but I have rooted through old paperwork and can’t find anything regards to the ppi. Is it worth me sending a claim in and see what happens? My only concern is does that reset the clock on statued barred? Should I now consider this unenforceable due to the lack of t&cs?

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most creditors have a PPI link on their website use that.

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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