Jump to content


Former HA Tenancy Rent Arrears - Regional Collection Services


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 958 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I've just checked my Noddle report (first time in 3 years, I really should do it regularly!) and there are no CCJ or any court claims listed.

Link to post
Share on other sites

does your old address show in linked addresses?

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... 

Link to post
Share on other sites

Doesn't show any linked addresses but I was never on the electoral roll at that address.

 

I am at this address and it shows all my current and old accounts from last 6 years.

Link to post
Share on other sites

opps should never not go on voters

add that address to your CRA file

just to make sure.

 

but safe to say that dca is trying to fleece you blind and need reporting.

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... 

Link to post
Share on other sites

Hi

 

I agree with dx100uk this is a DCA trtying to fleece you for those rent arrears who have no powers as they are not Enforcement Officers (Bailiffs)

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

Thanks all, I have emailed the HA again and told them that I will not contract with the DCA and that I will be paying the payment plan with them directly. Just waiting to see what they say now.

 

I'm happy to deal with the HA to clear this debt, I just don't want some "Bailiff" coming to my door as the letter tries to make out. As it's been made clear on here that they are just a toothless DCA then I can sleep better tonight.

Link to post
Share on other sites

don't leave it there

complain!!

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... 

Link to post
Share on other sites

People who are owed money must take steps to minimise their losses so in practical terms means writing to you saying exactly how much you owe and how they expect you to pay it before they try anything else.

 

A debt collection agency is employed by the creditor to attempt to obtain payment on their behalf and so cannot add anything to the debt.

Most people dont know this so the dca's put an amount in their bill and hope that you pay it blindly.

 

If the creditor wants to come to an arrangement so that you pay this over an agreed period they are entitled to do this but there is something they cannot do and that is actually refuse payment and then use the courts to recover the monies owed.

 

In your case you asked for a payment plan and they refused referring you to the dca.

If the dca aaccepts this then they cant add their fee to the account as it is not part of the debt and you have not signed a credit agreement with then (if you had it woulf be an unfair contract so void anyway) so all you have to pay off is the principal sum.

 

I would try and get the councils refusal to agree a repayment plan in writing as this means they would have failed to mitigate their losses if they then refuse and you would therefore owe nothing. They cant force you to go to the dca as they have no rights or interest in this matter, same as I cant lend you my next door neighbours ladder just because he says I can borrow it.

Edited by honeybee13
Paras
Link to post
Share on other sites

I've had an email reply back from HA saying they will put note on my account that I'm starting payment plan from 1st April paying directly to HA.

They also say they have told the DCA this.

They go on to say that if I don't keep up with the payment plan they will refer me back to Regional Collection Services.

 

I do have it in writing (by email) that they were first refusing to take my money at first but not sure if email counts or if it needs to be on paper.

Link to post
Share on other sites
:thumb: Email is fully acceptable.

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 Topic please PM me a link to your thread

Link to post
Share on other sites

Hopefully this will settle the matter if you can agree a suitable sum and stick to it. as for referring it to RCS- that defies my comprehension but presumably they like to use it as a threat and probably the person writing to you doesnt understand things properly so is unaware that would damages the HA's ability to demand payment.

Link to post
Share on other sites

I think they fully understand completely.....Bailiffs and Enforcement splattered all over the Header and written in RED....most would fall for it

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 Topic please PM me a link to your thread

Link to post
Share on other sites

You still have not said whether your credit report shows a CCJ against you?

It would be unusual for an HA to only get a Repo order and not ask for Money Order & costs, which I suggest is represented by the £390.

Did you attend the Repo hearing?

Link to post
Share on other sites

so action post 29

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... 

Link to post
Share on other sites
You still have not said whether your credit report shows a CCJ against you?

It would be unusual for an HA to only get a Repo order and not ask for Money Order & costs, which I suggest is represented by the £390.

Did you attend the Repo hearing?

 

Checked both Noddle and ClearScore and there are no CCJ against me.

Surely if they did they would have already come looking for me as it's not like they don't know where I'm living.

 

Plus the letter I got from the HA 2 years ago and recently (day before RCS letter arrived) both only state the arrears balance asking for payment.

I never attended any hearing.

 

If I add the address to my CRA file will that not impact on my credit rating?

I'm down to 2 defaults which are due to drop off at end of year and don't want to mess it up again.

Link to post
Share on other sites

living in fairy land..

don't ever run and hide

you wouldn't have know about anything if it was all sent to your old address

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... 

Link to post
Share on other sites

You can search at the following...the CCJ register..there is a small fee...

 

https://www.trustonline.org.uk/search-yourself

 

but I doubt very much there is any judgment.

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 Topic please PM me a link to your thread

Link to post
Share on other sites

The simple way to check if the HA have got a CCJ against you as they are allowing you to set up a payment plan for the arrears is to ask them in writing and if so for the court docs reference.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites
I would have thought any CCJ court claim would not be issued until after I was evicted so what would be the point of sending them to an address I no longer resided at.

 

to gain a default judgement.

 

search your old address using the info andyorch gives above

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... 

Link to post
Share on other sites
  • 5 months later...

and

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... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...