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Owe Money on Lots Of Debts - looking likely to default-any Advice Please


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Threads merged....should be okay to post here now.

 

Andy

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We could do with some help from you.

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  • AndyOrch changed the title to Owe Money on Credit Cards looking likely to default-any Advice Please

Thanks guys

So when sending the  letter...I can request the following...a CCA outlining all charges/transactions etc , although there is a box on the information sheet asking if you need a copy full statement of the account...

basically what a CCA requests

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Its all explained in the above link I posted how to complete the questionnaire...the CCA request is a request for the agreement and snapshot of the current balance...they wont disclose details of charges/transactions etc....you would have to request a separate DSAR to gather that information.

 

Andy 

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Not for consumer credit no!

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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Dro/bk/iva etc

 

you never should make /take out these things

check enforceability on all debts

 

youll be surprised!!

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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  • 1 month later...

Hi All

Good morning 

Today I received a copy of the Credit Agreement...but no breakdown of charges,intererst etc, and a warning that I need to respond in 30 days with a payment plan..Any advice will be much appreciated, do I go back and ask for a breakdown of charges, interest etc ?

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if its a reply from lowells with regard to your CCA request on the cat debt

then scan it all up to ONE multipage pdf please

read upload

 

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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Share on other sites

need the CCA return not their letter

pop it in one multipage PDF

at a bit better resolution too please so we can clearlt see it even the tiny print down the sides.

 

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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click on your upload

can you see them?

use 300dpi 

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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Hi DX100uk

 

I have just spent the last couple of hours sorting out resolution and minimising file size etc, and can only get to that ,

 

 

I 'm thinking to save the hassle of going through it all again... regarding the credit agreement they sent is there anything I should look out for , what specifically are we looking for?

 

It appears to be a copy of OCA from the OC...

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you have a 4.8Mb limit whats the issue?

are you using a scanner or photo's from a phone?

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

Yes I am using a scanner and then uploading from a iMac ..but its saying the file is too big to upload ,even then mimising it in preview the resolution goes  blurry , can I ask what specifically are we looking for...

I took out the agreement in 2016 online

with £1000 credit limited at the beginning at 39% 

I had BNPL, 

I'm actually thinking of sending  a  SAR to the  OC, which should give me the facts behind the amount lowell's are asking for...

 

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have sent you a secure email

send me all the large files

 

  • Like 1

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

  • 5 months later...

opened

  • Like 1

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

Ok , updating to this thread...

 

.Stalemate with Cabot , as they cannot produce a CCA,

 

Paying a nominal fee to lowell on Cat debt,

 

who have now targeted me for two other debts,

a Tesco mobile and a credit Card debt,

 

what struck me is they say they can add interest to these debts if payments are not kept up as they claim in their threatograms?

even though I have not admitted /confirmed I am liable...

 

never received any correspondence on the Credit Card being passed/bought by lowells, only the tesco debt ,

 

I also still need to look at the cat debt papers I received from the OC, , where interest has been charged etc I have informed lowell of this 

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shouldn't blindly entertaining them with letter tennis at all till they comply with a CCA request on any debt.

no DCA can add anything to a debt let alone interest once they own it.

 

 

  • Like 1

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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