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Full and final settlement - can I still offer?


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Mortimers are sols not creditors

You send a cca request to the owners

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 can view my account history on Mortimer Clarke website do I send the CCA to Cabot?

 

Cabot have two addresses

 

I have a letter saying the account is managed by Mortimer Clarke and to contact them.

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who was the letter from?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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just send the CCA request to the owners ….cabot

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

Then cabot are ignoring their responsibilities. CCA cabot. If they try to ignore it or mislead you again, thats their issue. Not yours. They are obliged to fulfil your CCA request upon receipt. IF they cant, then they must inform you as such

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If it established that the DCA had no right to collect payments from me can I ask for a refund?

I have been paying them for over 2 years.

Could they then return/sell the debt back to the original creditor (assuming they never held the original cca)?

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No right to refund

Its classed as a gift to the cash cow milking parlour

 

Doubt the oc would ever by it back

It was a lemon debt thats w hy they sold it...wont want to suck on it twice. .

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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OK so I sent the DCA the CCA letter with the £1 po and sent it signed for delivery.

The tracking looks like it never left the post office after I handed it over.

There has been no update for a week.

What do I do now?

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Not sure who said waste money on record ed delivery?

All it needs is free proof of posting from any po counter and a 1st class stamp...

 

Dcas never sign for..

But matters not

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

OK my bad, however, if it were lost in the post what next?

How will we know if its lost or if the time is up and they couldn't fulfil the request?.

We all know proof of posting is not proof of receipt.

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and nothing under law says you have to provide proof of receipt.

 

not your problem.

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

Yep. Then you get on with yourlife until they can provide a compliant agreement. You ignore everything from them and dont communicate with them unless theyre dumb enough to send a pap letter.

 

Then you still dont reply to them, and you come back here.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 1 month 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
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