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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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Judgement obtained Moriarty Law


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Hi There,

 

I was hoping somebody might be able to help me out.

 

I moved in 2016, moved again in 2017.

Thought I had brought all of my debts with me but I guess I didn't. This will have been from a long time ago, Wageday advance payday loan and I must have assumed it was paid off as hadn't heard anything from them in a while

 

I have just had a letter arrive via the postman from Moriarty Law

 

It says; We have been instructed by our above named client to write to you with relation to the Judgement they have obtained against you.

 

(I wasn't aware of this but have checked my credit report and have a CCJ registered against me as of August last year)

 

The letter talks about getting a Warrant of control without further reference to myself unless I make an initial payment and an acceptable offer

 

Should I upload the letter?

 

I will pay it I just cannot afford it all in one go and I'm worried they will go ahead with the Warrant of Control

 

I have severe anxiety and I'm not good on the phone I go to pieces so I really really do not want to ring them, sorry for sounding so pathetic, I have just had some terrible experiences on the phone to DCA's

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Hi and Welcome to CAG

 

Have they provided an email address for responses?

 

Andy

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

 

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do you have any details on the WDA account as in when was the last payment to it etc?

 

if you don't have it, phone WDA to find out as it may be stat barred before they applied for the CCJ

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The letter states please be so good as to contact us on 0203 126 4544

 

But at the bottom of the letter is the same telephone number plus an email address

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The letter states please be so good as to contact us on 0203 126 4544

 

But at the bottom of the letter is the same telephone number plus an email address

 

Send them an email then and offer an affordable but realistic payment plan.

 

 

Andy

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

 

If you want advice on your thread please PM me a link to your thread

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Thank You

 

Can I ask here what would be acceptable or do I need to go elsewhere for advice?

 

Im a single mum with 3 children

 

Self Employed earning £50-£70 a week but trying to build this up all the time, Housing Benefit and tax credits

 

The amount is for less than £550

 

I dont want them to reject my offer ...

 

Also do I need to do anything to stop the Warrant of Control, as I dont know when they will apply for this?

Edited by grapefizz
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don't sweat about the warrant

its just a threat

there is NO right of entry on consumer debt so they cant just barge in

it would simply be a court bailiff not on commission

unlike what you see on tv.

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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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Complete a simple Income and expenditure for yourself and see what your disposable income is after...they may want you to complete theirs before accepting your offer.

 

" The letter talks about getting a Warrant of control without further reference to myself "

 

Not got that far yet...hopefully your offer will be accepted and negate the above.

 

Andy

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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

 

If you want advice on your thread please PM me a link to your thread

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