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    • Hello,   If a debt is passed from a credit card to a collections agency. Can the agency take you to court for a debt that was not accrued with them? I seem to remember there is some kind of loop hole wit this but I may be wrong. Does someone know?   Many Thanks  
    • There you go then. Why don't you gamble on a turbo from a scrappy or ebay? I got lucky once with an ecu that lasted the life of the car and only cost me £80.
    • With Debt and court cases. Its who blinks first who loses a lot of the time. It is a judge lottery and it is also a pain in the backside.  Lowell temp fate with the debts they buy all the time. There isnt really much you can do apart from follow the processes. Think about it - If you hadnt of come here then you woudlnt have learnt what you know now.    They have to work for their money on the off chance they MAY win... Ive seen weird decisions in court - When all the odds when in the Creditors favour - They still either pulled out or even lost the case... Faulty DN, Missing Docs... The list goes on. 
    • I stated they might loose, a chance they may take , if they do then they loose fees etc, every case is different = there are no wills/wont"s,   many a case they loose or pull out of at the last minute before they loose their fees etc  there is no guarantee in any case,  by the way A Tomlin Order can be arranged up to the last minute if they have not discontinued the case (they tend to leave last minute for you to collapse and they get their holiday or xmas party fund = (The debt purchasers dirty trade, read threads you are not alone, and you may see others stories where they have beaten them/
    • I think they'll do anything to hold their party together.  That's the reason Cameron gave in to a referendum in the first place.  This whole sorry shambles is the result of the Tory party looking inwards and not giving a damn about the country.
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
fjc1980

Cabot/Resolve Call - No Reply to CCA - now doorsteppers!! - Nrock loan

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Good evening......

 

I had the pleasure of a member of Resolve Calls team visit my home this evening with regard to an old debt of an unsecured loan taken out with Northern Rock in 2004

- last paid via debt management in 2014.

 

Cabot took up this debt in 2015,

I sent them a CCA request in Jan 16 but from memory only received a standard response.

 

I have two questions i could really do with some advice on

 

1) Should I write to Cabot reminding them of the outstanding CCA request or resend the request?

From memory i think they sent a generic response effectively saying they were 'looking for it' .

I know i should have kept this info, however the original signed agreement was definitely never provided.

 

2) Is there a letter or anything I can communicate to prevent these people just turning up at my door?

They wrote to me months ago informing me of Resolve Calls involvement but i assumed it was fairly generic.

 

The guy was very polite and non-threatening,

I gave him no more info than he could find from the electoral roll,

his objective seemed to be to get me to call his office on my doorstep at 7.30pm in the dark.

 

At this point i politely told him that wouldn't be happening so he gave me a card with details on to call.

I work away fairly often and do not want these people turning up when my partner and young son are at home alone.

 

Thanks in advance for any advice

Edited by dx100uk
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Thread title amended

 

 

1.no.

 

2.no.

 

next time he calls tell him to leave your property.film him with a mobile phone

 

tell him if he ever turns up again you will ring police 101

 

totally powerless door knockers wanting to pocket any money he gets off of you.

 

dx

Edited by Andyorch
Thread title amended

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Thanks DX,

Is it worth re-submitting a CCA request to Cabot?

I cannot for the life of me find their reply or proof of my postage.

I want to do something to stop these people turning up in the evening!

 

My last payment to this debt was in early 2014 via a debt management company, is it likely they will proceed with a CCJ against me?

Edited by dx100uk
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dunno haven't got a xtal ball but without enforceable paperwork

they aint going nowhere near a court.

 

as for the doorstepper already explained what to do.

 

dx


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

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I don't think there's any harm in sending a new CCA request, it sounds like they won't be able to comply, this time keep your records safe though!

 

As DX said, just shoo the door stepper away and tell the family to just shut the door on any one else that calls.

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sending a new CCa will not stop collection activities.

 

dx


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

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hi guys,

thanks for the help...

I will take no further action and be sure to tell any further callers where to go.

 

As per your advice DX,

that collection activities will not stop regardless of CCA request being sent,

Cabot have had this debt since around 2015.

 

In my mind i think if they were going to proceed with a CCJ they would have done it by now but as you say cannot see into the future.

If they do proceed with this, and i have no copy of the original agreement from them does this work in my favour?

If there is another thread for a similar scenario,

please let me know and i will have a look.

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when you say "They wrote to me months ago informing me of Resolve Calls involvement but i assumed it was fairly generic."

Was it just one letter and then this house call? I am kind of in the same situation and also have a small family so don't really want them knocking on the door and causing concern to my family - was your original letters from UK Asset Resolution?

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Hi Jackman,

 

I think I had a couple of letters well before Christmas, but nothing recently then the guy just knocked the door about 7ish last Wednesday trying to phone Resolvcall in my presence and pass the phone to me. To be honest he seemed more nervous of me than i was of him, once i told him it was time to go he left pretty quick. I have just told my missus to do the same if/when they call again.

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cause they know they shouldnt be doing what they are doing

they ARE NOT BAILIFFS

 

always call police 101 if they will not leave.

never engage in anything.

they are POWERLESS.


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

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