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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Trying to sort out my debts


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Hi there folks.

 

I'm in need of a bit of advice please. So i owe a lot of money to a lot of companies. Some are being paid monthly minimum and there's a few which are being dealt with by debt collectors ( Ive contacted them via letter asking to make token payments already)

 

I regards to the several credit cards i have, i'm literally just paying the interest every month and the balance isn't going down. I cant to pay any more than that.

 

I'm thinking of sending them all letters asking to freeze the interest and accept monthly payments of £10 ( which is around the same as the min monthly payment anyway ) What are the chances of them accepting this?

 

The companies in question are Capital one, barclaycard and vanquis.

 

Many thanks, Amy.

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yes good idea

you have of course sent everyone a CCA request? haven't you?

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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you should have done that years ago

from your other threads

looks like you could be being cash cowed blind here

esp if you've been paying to a DCA for years.

 

can you list your debts?

for each tell us

 

original creditor

what type of credit

the date you took this out

who you paid now

is it defaulted on your credit file and the date if it is

outstanding balance.

 

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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That might take a while. Some have not come after me yet.

 

I have

2 personal loans from Lloyds ( Both defaulted, 1 passed onto Moorcroft )

Over draft with Lloyds ( Account frozen and nothing happening )

 

Credit Cards

American express ( Defaulted and passed onto NCO)

Barclaycard - upto date on payments

Capital one - upto date on payments

Vanquis - upto date on payments

 

Catalogues

Very ( monthly payment plan in place and interest frozen )

Studio - upto date on payments

Littlewoods - upto date on payments

 

Other

Argos card - upto date on payments

Paypal Credit - upto date on payments

Drafty - upto date on payments

 

I think that's them all. Most were taken out within the past 5 years.

 

Just checked my credit report.

 

Only the 2 Lloyds loans and Amex have defaulted.

 

Very states unknown as im paying a monthly payment and everything else upto date including my Lloyds bank account which has a extremely large unpaid overdraft on.

 

Very confusing!

Edited by dx100uk
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ok not as bad as I thought

I'd go with you initial idea then

send the lot a letter offering £xx for xxMTS if they freeze all interest and charges.

there is a good example in the debt collection section of our library

 

see what they say.

I'd start paying this new sum to each regardless now to show goodwill on your Behalf.

 

all ok?

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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Share on other sites

Does this look good to send? Ive tried to personalise it as much as possible without being too confusing.

 

I am writing to ask if you would be willing to freeze the interest on my account and accept a payment of £10 monthly for xx months to clear my debt.

 

I enclose a budget summary which shows my total income, and my total outgoings. As you can see I have only £10.42 per month left to offer you.

 

I have worked out the offers I have made to my creditors on a pro-rata basis and I have written to all my creditors asking them to accept these offers.

 

Because of my circumstances please agree to accept the offer of £10per month. If you are adding interest or other charges to the account I would be grateful if you would freeze these so that all payments I make will reduce what I owe you and the debt will be paid off in full sooner.

 

If my circumstances improve, I will contact you again.

 

I would be grateful if you could provide details to set up a standing order to make it easier to pay you. Thank you for your assistance. I look forward to hearing from you as soon as possible.

 

Yours faithfully

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pers I'd not be as polite..id demand they freeze charges and interest else I will retrace my generous offer

 

use bacs transfer on your banks interweb portal. don't await SO details

 

I'd also get any income you get removed from any bank account you owe money on or cards with the same bank

 

open a parachute account and pay your income to them.

stops anyone off setting.

which they can and might well do as soon as you alert them you have issues

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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I personally would approach softly softly..you cant demand anything....they are on the higher ground at the moment.....and standing order is preferable to bacs transfer..then it can be done automatically.

 

 

Andy

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We no longer use the Lloyds account and set up a Flexi account with nationwide. All our money goes to that account now.

 

I prefer to pay by standing order as i have full control and wont forget to pay that way. I pay a lot of bills with standing orders.

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