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    • Why would you do a Freedom Of Information Request? Thats for public and government bodies only...    Either way, this is what happens in debt collection. Accounts sold as a figure on a spreadsheet loaded into a system that contact people to pay until they give in .  They never send the original agreements with pruchase. And yes, please do name names..
    • I bought a rare collectible item from a friend in USA. I paid him via Paypal and had him send it to my forwarding address in USA. This is a business called Stackry which is essentially storage lockers that consolidate packages for you and you choose how and where to ship them, thus cutting on international shipping costs. I have done this many times before and never had an issue. On this occasion, I chose the option of Global Mail Direct. The package was picked up and handed to DHL e-commerce and I was able to track it all the way to the UK. From then on, it was handed over to Evri and a new tracking number was generated. Long story short, they lost it. The driver marked it "out for delivery" then 2 hours later "returning to sender". I was at home and no attempt for delivery was made. What followed was several weeks of back and forth with Evri through chatbots, emails and phone calls trying to locate the package and have it delivered to me. They said I should contact the sender. I explained that in this scenario I am the sender and the recipient. I did not get anywhere. I emailed the CEO and joined a Facebook group. I kept screenshots of everything. At no point did they make a genuine attempt to intercept the package or locate it or at least assure me that it's on its way back to its origin in the US. For several weeks now, the tracking is simply stuck at "on its way back to sender". They owe me £200 and I intend to get it. I do not care how long it takes or how much it costs me. I am prepared to fight this to the end. I wrote them a letter before action and sent it by tracked post to their HQ giving them 14 days to make things right before I take the matter to court. It has been a week now and I have had no response.  I have no experience with legal matters and I am hoping someone can guide me into what I should do next. Thank you.
    • Thanks Dx, Tbh, I’d forgotten that this account was the subject of a charges claim - nearly 10 years ago now! I don’t know for sure that a default notice was issued by Barclays when the account was in arrears but I would guess there may have been one somewhere in 2010. A suspended repossession order was awarded around May 2010 so I’d assume that a default notice would have been a pre-requisite. Based on the info in the thread those arrears were cleared around 2014-2015 but I don’t have any more info to hand atm since it’s such a long time ago. I believe the files I prepped for court in 2015 have since been shredded. How would the presence or absence of an old default notice help with this current issue? Thanks for the merge/support. J  
    • This is the full SAR documents that I received. It includes the proof that they deliberately chose not to give me a physical PCN at the time of parking. W3 SAR documents .pdf
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DMP to full and final? - been with StepChange for 10 years


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Hi,

I’ve been on a DMP with StepChange for 10 years and have never missed a payment.

I still owe 12k but have been offered 5k by a relative.

 

What are my chances of getting this accepted as a full and final settlement?

 

The companies and amounts involved are two accounts owing

5k to PRA,

one with 1400 to Link and

one with 700 to Westcott.

 

Only the Link debt shows up on my credit file.

 

Advice appreciated thanks.

Edited by dx100uk
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why oh why have you been blindly paying powerless DCA's for 10yrs without questioning the enforceability of the debts?

 

use our search cag box in the red top toolbar

and type in

 

DCA cash cow.

 

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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OK, thanks for the reply.

 

In answer to your question,

I have been paying for ten years because the DMP with StepChange helped to get me out of a very bad place and I have had no desire to go back to being hounded.

 

That said, a decade has now passed and I want to fully move on with my life.

So, is your advice to request CCAs and, if they’re not forthcoming, to stop paying my DMP?

What if they can provide them?

 

And what about the Link account that shows up on my credit file?

My score is ok now and I don’t want to jeopardise that.

 

Sorry for all the questions

- this is the first time I have considered doing anything other than “blindly paying”.

Edited by dx100uk
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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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Share on other sites

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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The Link debt would have defaulted with the original lender but it shows up on my credit file as an active and up to date account which began in 2015. This is what concerns me about stopping paying.

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if it was defaulted it must state that date in the summary.

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

LINK have a habit of adding their name to your credit file,Assume you paid through Stepchange (10 years) the original creditor before it was sold to LINK the original creditor (at a guess Barclaycard) if this is the case LINK should not be adding anything to any credit file,the default was issued way over 6 years ago

 

FS

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ring BC and ask what date they defaulted the debt and sold it to plink.

they cant [well very rarely] sell a debt on without defaulting it.

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 may find that Barclays did not issue a default they are guilty of this often, according to the ICO they are required to do this prior to selling a debt.As dx100uk states,phone them (Barclaycard) to determine if they issued a default, if not you will probably find they will issue a default dated 3 to 6 months after you got into debt with them,

FS

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OK, thanks to you both. In the meantime I am sending CCA requests to all my creditors to see where that gets me.

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