Jump to content

 

BankFodder BankFodder


dellnasnoods

Debt Help Required Please - Scotland

Recommended Posts

Amex didn’t sell my debt on even though I wasn’t paying. RBS sold both my Mint and NatWest  cards on after not paying for 5 years. 
 

Both had good S78 requests but dodgy default notices.

 

I had not assets or mortgage - well not by the time they sold it 
 

 


Any opinion I give is from personal experience .

Share this post


Link to post
Share on other sites
3 hours ago, dellnasnoods said:

Will they still sell the debts if I'm paying an agreed amount every month, would I be better to stop payments and let them chase me for the debts then hopefully sell them.

 

We have 9 years left on mortgage which is with RBS and has been since it started 10 years ago, mortgage is half the Mrs. Have got equity in the property, under 100k but more than 50k, is there any risk the RBS could go down the route of trying to get money out of the equity?  I have no secured debt, all only unsecured.

 

Many Thanks.

 

no chance stop worrying


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Do I need to sign the CCA to the RBS?

 

Thanks

Share this post


Link to post
Share on other sites

read all the posts in the CCA request link!!

 


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
12 minutes ago, dx100uk said:

read all the posts in the CCA request link!!

 

ok thanks

Share this post


Link to post
Share on other sites

Received a reply from Lowell in regards to the  Argos CCA request saying they have fulfilled the request.

 

Is this the case and/ or what are my actions next?

 

Files attached.

1. Letter

2. Terms and conditions.

3. Agreement

4. 1 of many monthly statements.

 

Many Thanks

Lowell_CCA_Reply_150120-min.pdf

Share this post


Link to post
Share on other sites

All looks good.


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 The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

Have they met the full requirements of the CCA, does this mean I have to pay the debt or negotiate a full and final settlement?

 

Thanks.

Share this post


Link to post
Share on other sites

Ignore them. Until if and when you receive a PAP  letter. It’s quite possible nothing will happen. Let them make the next move.


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

Share this post


Link to post
Share on other sites

Does this apply in Scotland too?

 

Thanks

Share this post


Link to post
Share on other sites

Doesn’t matter where you are, I’ve had DCA’s produce perfectly fine agreements and nothing ever happened. These debts are now

long statute barred.

 

Its equally Possible that one day you will receive  a PAP letter before action. If / when that day comes you will be able to come here to get help.


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

Share this post


Link to post
Share on other sites
1 hour ago, dellnasnoods said:

Does this apply in Scotland too?

 

Thanks

now he tells us....:bounce:

 

it makes a very big diff with regard to statute barring.

once you've not paid for 5yrs the debt is extinguished. dead parrot gone

unlike in E&W whereby it simply removes enforcement of any court judgement so fleecers don't bother to litigate.

 

can we just clarify...

you were resident in Scotland when you took all these credit accounts out? 


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
3 hours ago, dellnasnoods said:

Does this apply in Scotland too?

 

Thanks

 

No...PAP does not apply in Scotland

 

Andy


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 The National Consumer Service

 

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

Share this post


Link to post
Share on other sites

Yes I was resident in Scotland when I took all these credit accounts out.

Share this post


Link to post
Share on other sites

:rockon:


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Received this back today from Moorcroft (see attached), I read the instructions for CCA so didn't sign it.

 

Have I missed something, do I need to sign the CCA request and if not what should a include in my letter back to them.

 

Thanks.

Moorcroft 1st - CCA refusal not signed.pdf

Share this post


Link to post
Share on other sites

Moorcroft always say that and yes you can argue you sent a valid CCA Request with the fee (their policies are not the law), if it were me I would resend with a signature that was slightly altered and keep a photocopy of it. 

 

That is just my opinion 


Any opinion I give is from personal experience .

Share this post


Link to post
Share on other sites

We never said to cca moorcroft!

their client


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
11 minutes ago, dx100uk said:

We never said to cca moorcroft!

their client

Sorry, who was I supposed to CCA then?

Share this post


Link to post
Share on other sites

Their clients


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
1 minute ago, dx100uk said:

Their clients

 

Sorry, this is misleading me, why am I sending a CCA request to TSB, Moorcroft are the ones chasing the debt.

 

Can't see any posts telling me to send the CCA to either TSB or Moorcroft in reply to your "We never said to cca moorcroft!

Share this post


Link to post
Share on other sites

Personally I have always sent the CCA Request to whomever was chasing me because they do have a duty to pass it on to the creditor, however in this case maybe sending it straight to TSB would be good. make sure you keep copies of everything


Any opinion I give is from personal experience .

Share this post


Link to post
Share on other sites
20 minutes ago, dellnasnoods said:

 

Sorry, this is misleading me, why am I sending a CCA request to TSB, Moorcroft are the ones chasing the debt.

 

Can't see any posts telling me to send the CCA to either TSB or Moorcroft in reply to your "We never said to cca moorcroft!

 

ok fair dues by Moorcroft like wetcloths are not debt buyer simply chasers for clients .

 

 


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites
12 minutes ago, dx100uk said:

 

ok fair dues by Moorcroft like wetcloths are not debt buyer simply chasers for clients .

 

 

👍

Share this post


Link to post
Share on other sites

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...