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    • debt collection agencies will always lie to make money.   pay the debt owner what you owe if they want to charge unlawful debt collection fees , that's their problem.   let them issue a court claim, see how far they get!!   there are a few threads here regarding IF/ if not collection charges are actually allowed, I think it pays to go read your lease documents carefully to make sure    read these too:   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=ground rent DCA charges&oq=ground rent DCA charges&gs_l=partner-generic.3...131396.138941.0.139161.23.23.0.0.0.0.143.1829.20j3.23.0.gsnos%2Cn%3D13...0.7573j4071087j24...1.34.partner-generic..23.0.0.PHbq0LZxjQQ      
    • I doubt they'll take a blind bit of notice TBH you could quote the FCA rules to them, but I doubt they even know who they are even though I assume they are FCA registered.?? go check the company name fca reg number on the FCA register that they should quote at the bottom of all correspondence.  
    • its not a letter from PRA  its a large brown windowed A4 envelope from northants bulk county court - a court claim pack. you DO NOT ignore  you DO NOT contact the fleecers or their dogs. his next time..never ignore a Letter of claim never run from debt never move without informing ALL your debt owners in writing   ... you are lucky this was not filed to an old address and 1st you'd know is bailiffs at your door   please complete this:      
    • Thanks for your reply. Should I email them stating that the penalty is unlawful?
    • Hello,   I'm brand new here and am hoping someone might be able to give me some advice. Sorry in advance that this is so long!   a couple of years ago Property Management Company Ltd sent Debt Agency 1 after us (both saying they acted 'on instruction of Leaseholder Ltd' - separate company) for late payment of our service fee on our flat (200 miles away, tenanted since purchase).   We hadn't owned the house long and, in spite of us chatting to Property Management Company Ltd all the time various things to do with our tenants and them having multiple records of our real correspondence address, they sent the bill to our tenants, so we didn't realise we were late with it.   We wrote to them and politely pointed out they had multiple records of our real postal address. They admitted it was their mistake, we paid, charge was removed, they said they would update records and email service charge in future, all fine.   Last week Leaseholder Ltd sent Debt Company 2 after me about 2 x unpaid ground rent plus collection fee, they had also been sending bills to the tenants address. I had received one bill from Leaseholder Ltd for GR since purchase, sent to correct address, but that was ages ago. I paid it straight away at the time, but I guess it never really crossed my mind how long it'd been since I'd received one.   Explained to Debt Company 2 that had received one bill ages ago, that suggests they did in fact have my address? They claim they didn't, and tenant or lettings agent must have opened letter and forwarded.   Also explained to Debt Company 2 about previous mistake with Property Management Company Ltd and Debt Agency 1, and explained both said they were acting on Leaseholder Ltd's behalf - so surely one of them told Leaseholder Ltd, once it was all resolved, that the issue had been down the the address mix up? No, says Debt Company 2, Leaseholder Ltd has never heard of your London address, nor did they instruct Debt Agency 1 to act on their behalf, and it's 'very illegal' that they claimed they were acting for them. So no idea what's going on there.   Leaseholder Ltd say it's not their fault no one gave them the right address. I say it's not my fault that Debt Agency 1 and Property Management Company Ltd both gave strong (and apparently illegal) impression that they were speaking on Leaseholder Ltd's behalf - leading to my assuming there were across the details of the dispute and therefore were made aware of the mistake/resolution.   I know I'm not totally blameless; I should have realised it was weird getting one bill and then none after but we get so many bills I just pay them as they arrive and move on.   Am I wasting my time, would you all just pay it, charge and all? Seems really unfair given I was under impression I was talking to intermediaries when I wasn't.   Thank you in advance.
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This may have been covered so apologies however

 

my wife had a debt with QuickQuid in 2010,

there hasn’t been communication with them since and don't recall having DCA's involved

 

we’ve seen the debt now appear on her Noodle credit file with an account start date of 2010

(when she took out the advance and wasn't able to make any repayments) but a default date of 2015

– i assume they’ve done this just before the debt is Barred so we’re screwed until 2021.

Can they do this or is this unlawful?

Some help would be appreciated.

 

I've heard that a default can only be registered with a DCA within 6-months of the payments stopping - according to the ICO.

Not sure if this is right.

Edited by dx100uk
spacing

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defaults are not registered with a dca - they are totally powerless and are not BAILIFFS..

QQ would have registered it.

 

when was her last payment please

dx


..

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Thanks for the reply. It was In 2010.

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if you've proof of that the debt is statute barred anyway.

 

just the default to sort out

and that's easy.


..

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if you've proof of that the debt is statute barred anyway.

 

just the default to sort out

and that's easy.

 

So how would you request the default is removed (i.e. the grounds) considering they've registered it within the 6-years?

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Write to QQ enclosing written proof of last payment date

Give them 14 days to remove the whole account or you will raise a formal complaint with the information commissioners office and seek financial compensation


..

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Write to QQ enclosing written proof of last payment date

Give them 14 days to remove the whole account or you will raise a formal complaint with the information commissioners office and seek financial compensation

 

Their complaints rep replied by email with the date of the last payment being August 2010. Also asked for a copy of my credit file. Yeah like he’s having this.

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then the Default should have been within 3-6mts of that date.

 

in foot shot himself.


..

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