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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Full and final settlements


Terminalpigeon
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With regards to offering companies these.

 

Can I ask though is full and final a good way to deal with your debt outstanding.

 

An example.

 

I owe DCA united  £100

I offer a settlement figure of £46

They accept the offer.

 

Does it help your credit report/score or not?

Or can you ask that the creditor mark the payment as settled or satisfied whatever the terminology is..

 

I ask as I've read a few threads with people and there success, beyond a positive mindset what are the benefits of making a larger payment rather than just clearing it off gradually?

 

 

 

 

 

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none.

 

whats the debt?

 

 

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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Lowell hold a few that I'm paying off gradually that's it to be honest. Nothing massive but showing on my file

 

Just was curious if it helps your report.

 

I guess one benefit is you pay less in the long term...

 

 

Edited by Terminalpigeon
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why are you blindly paying a dca on any of your debts?

 

 

 

 

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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who says its enforceable?

 

 

 

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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who said the agreement is enforceable?

 

timeframe to have to pay them??...what timeframe and what rule states you HAVE to pay them because of anytime frame?

 

once a debt is defaulted by the original creditor it makes no diff at all to your credit score upon how quick , if or if not , you pay a debt off.

the debt is defaulted..end of. same damage

 

 

 

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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8 minutes ago, dx100uk said:

who said the agreement is enforceable?

 

timeframe to have to pay them??...what timeframe and what rule states you HAVE to pay them because of anytime frame?

 

once a debt is defaulted by the original creditor it makes no diff at all to your credit score upon how quick , if or if not , you pay a debt off.

the debt is defaulted..end of. same damage

 

By time frame I mean so I don't get defaulted.

 

So what are you saying ultimately is once a debt is defaulted even paying a bare minimum is acceptable as nothing will change the current status

 

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why is paying acceptable?

it changes nothing

 

if the debt is defaulted and shows a defaulted date in the debt summary

and the debt has been sold to a DCA and you have a notice of assignment...

 

paying anything or offering an F&F is pointless , it won't improve your score..

 

what's the debt?

post the CCA return here so we can ascertain it IS enforceable...

 

blindly accepting any CCA return from a DCA is enforceable is madness

blindly paying them simply because they have sent a reply is madness

equally, offering some kind of settlement thinking it wipes things is madness.

 

all your payments to a DCA to date have done is run the SB date to infinity.

all offering an F&F will do is reset that clock back to 0 giving whomever owns the debt now or in the future 6yrs to fleece you again.

 

a DCA is NOT A BAILIFF

and have

no more legal powers on any debt that you or I do not already have if we think someone owes us money

 

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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why are you sending an sar to a DCA?

 

your action should be to p'haps send a CCA request to them...

 

but as we don't know what this debt is all about we can't ever properly advise.

 

you've been here almost 2yrs now but make so many schoolboy errors on things one wonders if any advice over all your threads has ever sunk in?

 

 

 

 

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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Paying off any of these makes absolutely zero difference to your Credit Score. The best way to increase your credit score is to take a very small limit credit card, use it for everything and pay it off every month.

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