Jump to content



  • Tweets

  • Posts

    • the IVA failed that should have been the end of  however and i don't understand how, but you allowed them to take you to court and get some kind of judgement...whatever that was.??   typically it's 6yrs from the time you entered into the latterly failed IVA. unless whatever the court did varied that date. when an IVA fails everything is normally reset to as if it never happened bar payments made to creditors resetting your SB dates. you are better out of it anyway   most IVA's are designed to fail from the get go and simply feeds the practioners with ever increasing fees making sure little money ever gets off your debts but lines their own profit pockets     a week or 2 ago the FCA brought in new proposals or rules to combat these very pirates.   
    • exchanged the tent as they have offered and walk away.   move on.    
    • I took out an IVA in January 2012 however it failed and went to court in March 2013 due to unemployment.  I received a letter from them dated February 2015 with court information (as they took me to court) stating    ' Further to the failure of the Debtors' Individual Voluntary Arrangement, the Supervisor retained the power to deal with any pending PPI claims and recovery of VAT (where applicable).   Any potential PPI monies have been received by the Supervisor and distributed in accordance with the IVA proposal as modified. However, where further IVA assets, such as PPI are realised after completion of the IVA, these will be realised by the Supervisor acting as trustee of those assets which will be distributed in accordance with the IVA'.   I just need some clarification about this. How long does the Practitioner duties last and does this mean that any PPI claims that I may make in the future and awarded will go to the Practitioner for distribution?   Thank you for your help. 
    • read the red bits below ...   if you've paid nowt in more than 6 years the debt is statute barred. send arrows our SB letter from the debt collection section of our library.    
    • yea old truecall box. but many phones now have truecall software or akin within.   neighbour has a panasonic set too that has call blocking and 00* works on those too.    
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

I really need some help with debts & Stepchange


Recommended Posts

1 hour ago, finaldj said:

Just an update to this thread.

 

Likely Loans have taken my offer of £5 a month payment for 6 months to be reviewed in 6 months time. - good, check if they stop int, if not send the 2nd letter

 

Argos have refused an offer of £5 a month instead they want me to fill out a financial assessment form so that they can then discuss what payments to make? - no none of their business. check if they stop int, if not send the 2nd letter

 

Very/Littlewoods have so far not responded to the letter I sent which was the same date as Argos however I do have account details to setup payments for a standing order so should I do this or wait for a response back first? - abide by your offers. check if they stop int, if not send the 2nd letter

 

Westcot have now taken on the debt for HBOS from link financial (which says working on behalf of HBOS) - wetcloths don't buy debts, they act for their stated clients and if these are link - then CCA request time.

 

Westcot have also taken a debt on for £2,407 it doesn't say what its for just that they are working on behalf of Cabot ( i assume its the Natwest debt) -  - wetcloths don't buy debts, they act for their stated clients and if these are link - then CCA request time.

 

Intrum have taken on the Tesco Debt - you mean you've had a notice of assignment or they state their clients are the OC?

 

and Cabot have taken on the 11k Zopa loans debt - - you mean you've had a notice of assignment or they state their clients are the OC?

 

Other than likely loans responding to me and me setting up a payment to them I haven't done anything with the other debts yet (other than writing to argos and Very/littlewoods, likey loans)

 

 

I'm off work Wednesday so want to clear everything up so I know where I am

 

I'm confused between who a DCA is and who the others are and who I should ignore and who I shouldn't? and should I do a CCA request if they work on behalf of?

 

Cabot

 

Intrum

 

Westcot

 

PRA group (they just call they haven't sent any letters out yet)

 

Ok I just found out that Cabot bought westcot in 2017.

 

 

 

 

 

 

cabot did not buy wetcloths.

 

so as above.

 

 

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..

 

 

Link to post
Share on other sites
  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

Yup, you may very well find that most of this stuff is unenforceable.

Do not engage under any circumstances on the phone, they are trained to trick you into agreeing to things.   If everything is done in writing by post,    A. You are in control

and don't waste money on recorded delivery!! 2nd class stamp is good enough.   if you wish to do a budget sheet that's upto you but never fill out theirs.   and again if

From one of the letters Cabot sent me they are the owners of the Zopa loans debt for 11k left owing so I will CCA them

 

The natwest account appears to be owned by Cabot but is managed by westcot so do I CCA Cabot?

 

Intrum have the tesco debt and bought it from them in 2018 so will CCA them

 

I will setup payment plans for the others.

 

Is it just a letter for a CCA request or is there a small payment needed as well?

 

 

Link to post
Share on other sites
17 hours ago, finaldj said:

From one of the letters Cabot sent me they are the owners of the Zopa loans debt for 11k left owing so I will CCA them

 

The natwest account appears to be owned by Cabot but is managed by westcot so do I CCA Cabot? - yes

 

Intrum have the tesco debt and bought it from them in 2018 so will CCA them

 

I will setup payment plans for the others.

 

Is it just a letter for a CCA request or is there a small payment needed as well?

 

 

click cca request and read all the posts.

 

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..

 

 

Link to post
Share on other sites
  • 4 weeks later...

Just to update this post.

 

Argos - wont accept any payments till I have filled out an income and out goings form should I do this? I was advised on here not to as it was none of their business?

 

Littlewoods/Very account -  this is an update from yesterday

- they have totally ignored 2 letters sent to them now with an offer of £10 a month token payments £5 for each account.

 

they sent me a text message for on open chat so I replied to this.

I explained the letters sent and they have ignored them so far and I said they had a number of different address so can they send me the best one to contact them on incase I didn't get the right one.

 

The text conversation went on regarding this letter and they again asked me to fill out and incoming out goings form on a link they provided which was very basic.

 

It asked for "rent amount, heating, any child support I pay and council tax" the rest they said they didn't need to know as there was an industry standard they followed on what I should have left.

 

Based on what I earned and what I filled in they said I had more going out than I had coming in I explained that after I had paid everything out

 

not inc them at the min I was left with around £220 a month which about £100 was for food leaving me with about £120 left to get through the month on anything like bread and milk needed through the week so I was able to offer them £10.

 

they refused to take anything and refered me to stepchange saying they are a responsible lender and stepchange will best advise me.

 

I said I tried stepchange it didn't work for me and the only thing they can do for me now is suggest I go bankrupt that was the only option offered to me. So I said what about £1 a month token payments then till my wife at least finds a job which should be soon so my income should improve I can make better payments.

 

They didn't want to know so I said well you are sending me threatening letters and phone calls asking for payments well above what I can afford but at the same time refusing any payment from me.

 

His only suggestion was to place my accounts on default and eventually sell them onto a 3 party debt company and they might take up the payments.

 

They have placed my account on a 30 day hold and suggested I contact stepchange in that time and let them know the reference number and will only deal with them.

 

They have refused to talk further about my account at this point.

Link to post
Share on other sites

Ignore their waffle

stop filling out i&e sheets

Just pay them what you said by bacs and when you said

 

 

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..

 

 

Link to post
Share on other sites
  • 2 months later...

Just to update this thread.

 

I've been paying littlewoods/Very £1 token payments for the last few months despite them saying they couldn't accept any payments because my incoming and outgoings didn't allow me to make a payment I still get letters/calls and emails from them.

 

Argos - no payments have been made so far I've attempted to contact them via letter as they don't have any way of payment other than Debit card which they keep a copy of on your file and there is no account numbers on any letters to setup a bacs/SO payment as they want me to fill out my bank details via an online form so won't provide theirs to me. They've asked for an expenditure form which I sent back but they've not replied to that only last month defaulting my account and wanting full payment. They haven't passed the account onto a DCA yet.

 

Link financial had the bank of scotland account but I haven't heard from them for months until the other day they wrote to me saying they had taken over an account of mine but missed it off the letter which account it was so I've left them for now as it was blank on the bit after it says the account we have is....

 

Cabot -  they have 2 debts at the moment one for around 2.5k the other 11k however I wrote to them with CCA requests mid November and haven't heard from them yet. However they have stopped with letters and call since then. The only letters I have got from them recently were discounts to get the debts paid off early but nothing in anyway I could afford.

 

Intrum - I sent a CCA request off to them at the same time as Cabot. They have my tesco account for £1,200. I got 2 letters from them today. the first letters is for 65% off the debt if paid in the next 2 weeks. the other letter says they are aware I have raised a dispute on the account.

 

They are going to try and contact the original creditor and it may take several weeks to get this information

 

They have suspended my account for the time being.

 

They are asking for :-

 

Details of what the dispute relates to

Copies of any letters from the original creditor relating to the dispute

Copies of any letters to the original creditor.

 

Should I just ignore them?

Link to post
Share on other sites

Why did you bother sending Argos an  expenditure form, they have absolutely zero right to that information. Now they have defaulted you, you may as well not pay them anything, it will get sold on to a DCA and probably nothing will happen. 

 

Please do not contact them by phone, ignore all calls and emails.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Because it was suggested on here at one point.

 

I got 1 letter from Cabot yesterday out of the 2 I sent stating the £2400 debt was unenforceable.

 

I've still to hear about the 11k debt that they haven't written to me about yet.

 

Intrum want about 7 weeks to gather the information.

 

PRA group have around 2 of the debts but they never write to me only emails asking me to setup an account with them for the 2 debts they have.

Link to post
Share on other sites

block and bounce back emails

 

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..

 

 

Link to post
Share on other sites
  • 4 weeks later...

Just a short update,

 

Cabot have sent me a letter about 3 weeks ago to say the 11k debt was also unenforceable.

They did say they were still looking into it and I should make every effort to pay them.

They also had the £2400 debt which was also unenforceable.

 

Intrum - They had a £1200 debt which is was unenforceable but did say they were taking 7 more weeks to gather the information they needed. So we'll see on that one

 

This brings my total debt down from  £28k to £13.4k

 

PRA group as you said above have only sent emails to me so ignored them.

 

Link financial do write to me sometimes but the last letter said they had taken a debt on from "Blank" so they forgot to put who it was so have left them for now and heard nothing.

 

Argos, They have passed the debt onto Moorcroft but they are working on their behalf so left it at the moment.

 

I did get an Email today from a company called DX to say a parcel was getting delivered tomorrow 8-6 and the tracking on their site which I checked externally to make sure it wasn't fake email comes up true.

 

I haven't ordered anything so this is probably a debt collection agency getting me to sign for something so will probably just ignore the door and let it get sent back to the sender.

  • Like 1
Link to post
Share on other sites

It might be an SAR if you requested one? The one's I ordered were always big packages arriving by post or courier.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

no.

 

is DX the only clue?

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..

 

 

Link to post
Share on other sites

Dear Customer

Your tracking number: ****** Post Code:******

DX is a specialist delivery company appointed for the safe delivery of your order.

Your parcel is scheduled for delivery to you by 08 Jan 2020 between 8am and 6pm.

Your parcel will be delivered to:

***********************

What if I am not in?

Do not worry, if we are not able to deliver your package, we will leave a calling card or contact you via email to advise you of the options available to you for the safe delivery of your item. Alternatively, you can visit us at www.dxdelivery.com/redelivery to rearrange.

Many Thanks
DX Customer Services

 

I thought it was a [problem] email so went direct to their site and put the details in from the email and it comes up a delivery for tomorrow. I havent ordered anything and not expecting anything either so not going to bother accepting it. What I don't want to do is sign for something then a DCA checks online to check for delivery and lifts a copy of my proof signiture and tags it onto some fake Creditor letter or something I know cabot weren't happy about the CCA request for that 11k by how the letter was worded compared to the other one from them.

Where ever or whatever it is can go back and the sender can then contact me if it's something else.

Link to post
Share on other sites

 

just put an x

it doesn't mean you are resetting anything either.

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..

 

 

Link to post
Share on other sites
  • dx100uk changed the title to I really need some helpwith debts & Stepchange

open

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..

 

 

Link to post
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..

 

 

Link to post
Share on other sites
  • dx100uk changed the title to I really need some help with debts & Stepchange

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...