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    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
    • urm.. i seem to recall another assault case whereby the approved bailiff company claimed the body camera was nor theirs but a pers one of the bailiff, i think they got in serious trouble for it. i believe that breaks certain gov't approval for a bailiff company/firm regulations/laws  if memory serves me right?
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3 Letter Process???


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no that 's FmOTl twaddle

 

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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  • 2 weeks later...

The 3 letter process is something dreamt up by FMOTL, and it is well left alone unless you want to lose hand over fist.

 

There are much easier and better ways in  which to deal with debt, and they are tried and tested.

 

Tell us the story and others can advise you on the correct way to deal with them.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks Bazooka Boo

This is helpful to know...

 

my own situation is that I have written to the two DMC requesting a CCA and Sars both for very historic debts sold by the Banks 6-10 yrs ago...

 

both say they cannot produce the evidence of the sale (DOA) but say I should continue to make my monthly payments as I have been doing for the past 6 years as it is possible these DOA will eventually be found.

 

In the light of this reply I now want to stop making my monthly payments.

Any advice would be helpful

Nacro

 

 

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they are not DMC's they are DCA's 

and an SAR to them is utterly pointless.

and you will never get to see the deed of assignment

that's a confidential business document not for your eyes.

 

sadly they are having you as a cash cow mostly because you've shown you know nothing about what you are doing by following FMoTl twaddle sites.

 

what are the 2 debts please

debt type

original creditor

amount 

defaulted date

 

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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Thanks dx100 uk

One is with Cabot originated with Lloyds 2004 and sold to Cabot in 2012 and current value £6500

 

the other is with PRA originated with Lloyds 1983  and sold to PRA  in 2013 and current value £ 7500...

 

.up until I requested a CCA and SARS last year Nov 2018 I have been paying an agreed monthly sum of £110 between them.

 

My own circumstances is that I am 73 yrs retired pensioner and now want to be free of these debts.

 

help and advice welcome

nacro😢

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they failed the CCA requests then?

why are you paying anything??

 

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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  • dx100uk changed the title to 3 Letter Process???

That's perfect,

Simply file those computer generated missives in a drawer, and continue ignoring them.

 

Nothing they can do until they find those ccas.

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If they had them then they'd have sent you them, wait a while and see what tricks they might pull to bully you into paying.

 

Anything pre 07 then it's highly unlikely, you're doing the right thing by witholding payment, this will either force them to give up and resell it in another portfolio of toxic unenforceable debts, OR, make them trawl about in an attempt to find the CCA's.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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sorry you've been cash cowed for so long.

makes you wonder how many staff got free drinks at the bar or a holiday out of you all these years.

 

1983 not a chance in hell

 

2004 poss what is the debt type?

 

 

 

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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28 minutes ago, Bazooka Boo said:

If they had them then they'd have sent you them, wait a while and see what tricks they might pull to bully you into paying.

 

Anything pre 07 then it's highly unlikely, you're doing the right thing by witholding payment, this will either force them to give up and resell it in another portfolio of toxic unenforceable debts, OR, make them trawl about in an attempt to find the CCA's.

Thanks again👍

such a relief to know how these DCAs function....I now believe that after making payments over 6-7 yrs that the original debts (bought at a much reduced rate!!) has been paid off...however time will tell

nacro🌈

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