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    • Attached. Sorry about the delay.    The first few pages seem to have gone out of sync when uploading. Sorry about that.    As yet no reply from the company to advise of how much the arrears are to release the vehicle.    edit: this is the second load agreement can’t seem to find the first I think it may still be in the car... I imagine it will be pretty identical though except it was £500 convert-jpg-to-pdf.net_2019-10-17_22-19-27_2-compressed.pdf
    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
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Hello again CAG, it's been too long!

 

You'll be pleased to hear (I hope) that my own debt problems are now behind me, however I'm now looking for some help for my wife.

 

She recently received a letter from Moorcroft regarding a Thames Water debt. Moorcroft state the amount outstanding is £692.48, and that they have asked their local representative to call on the 28th November. I would normally fire off a CCA request, however, as I understand it, Utility debts aren't covered by the CCA. What would you lovely CAGers recommend as my next step?

 

We've talked about sorting her debts and she also has a mobile phone debt (currently with Resolvecall) and a Sky TV debt (which has allegedly been sold to Fresh Start Vanquis Bank). I would appreciate any advice you have to offer in dealing with these DCA's, as I have only ever dealt with debts that are covered by the CCA. Thank you in advance, regards, Wally.

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Ignore moorcroft. They cant do anything.

 

As for your other debt and resolvecall, ignore those totally. Those muppets cant do a single thing. Ever.


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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stop firing off pointless letter tennis

 

moorcroft don't buy debts just chase for their client

 

as the debt was obv? at a previous address were TW informed in writing of her new address?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It wasn't for a previous address, it's for her (now our) current one.

She told me she hadn't paid TW for the last 4 years, along with other creditors, because of the breakdown of her previous marriage and other issues causing mental health problems. She just buried her head in the sand.

 

I would assume the TW debt has to be paid, and I have no problem negotiating a repayment plan with them if that's the best course of action, but I wanted to look for some guidance here first.

Edited by dx100uk
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Correct

Deal with tw direct

 

Make sure that your bill does not include any period outside of 6 yrs

 

A dca are not BAILIFFS

And have

ZERO legal powers


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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