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    • Just to add there is a scheme called the Victim's Right to Review.  It basically applies to decisions made by the CPS not to go ahead with a prosecution.  It doesn't apply to decisions made by local police forces, but it does say:   19.  Decisions that are not eligible for VRR include: ... iii where the police or other investigator exercises their independent discretion not to investigate or not to investigate a case further (whether in consultation with the CPS or not) and the CPS have not been requested / have been unable to make a final decision to charge. Requests for review of such decisions should instead be addressed to the relevant police force/other investigator; [My bold] Victims' Right to Review Scheme | The Crown Prosecution Service WWW.CPS.GOV.UK   I'm not familiar with the scheme so can't advise - but other posters here may know about it or have experience of it.  You need to read the above link but note that it talks about things that seem to fit your situation.   eg a victim is defined as ‘a person who has made an allegation that they have suffered harm, including physical, mental or emotional harm or economic loss which was directly caused by criminal conduct’.   If you have not already requested that the police review their decision not to pass the case onto the CPS, then I would do so.  If you are not happy with the outcome of that, complain.   I can't advise you definitely to go ahead and ask for a review or complain, but if I were in your situation that is what I would do.  But I tend to agree with BankFodder that you'll get nowhere and, if you are sick and tired of all this and just want it to go away, then just drop the police.  However, if you don't try...   Apolgies for the typeface/font - it's the above link.
    • @Manxman in exile I eloped to get with my husband si my husband and siblings never sat together in the same room .   Hes claiming a verbal agreement was made but a verbal agreement doesn't hold any water in the eyes of the law..no agreement was made I was in Leeds with my toddler.    He has made use of the policy , had the luxury of the insurance and reversed the money back and now Aviva are coming after me.   You've summed it up well is there anyone in the group that can help me draft the complaint to the police as I'm flying out first thing tomorrow and my head is all over the place.   My husband me Mr z , my late father and eldest brother were at this meeting supposedly when the verbal agreement was made but yet the officer took a statement off the eldest brother and didn't take it off the husband and based the final decision on the eldest brothers statement and Mr Z and all other evidence which is in written form has been completely dismissed    I'm fighting it all alone coming from an Asian background I am getting taunts and salt is bring rubbed on my wounds its not been a pleasant experience yo say the least trying to prove my innocence and having to listen to the b******* being spouted out by everyone whilst Mr Z is walking away not guilty 
    • I would complain to the police - even if I thought it would go nowhere.  I can't see that you have anything to lose.   I can't tell you the grounds of your complaint because I don't know the details of everything that has happened (you know better than I do)  and because I've found much of the story too difficult to follow.     But - based on everything you have told us - it seems to me that your brother has clearly committed fraud by obtaining the benefit of an insurance policy by falsely misrepresenting that he was opening the policy on your behalf and also by falsely misrepresenting himself - or a third party - as being your husband.  If your brother could not have taken out that policy without making those misrepresentations, then he has committed fraud.  It doesn't matter whether the victim was Aviva or you  and it doesn't matter if the victim realises they've been defrauded or not - the police should investigate it properly.  In this case you are the ultimate victim of the fraud because Aviva are saying that you owe them for the premiums on the policy your brother fraudulently took out, so whether Aviva consider they were the victims of fraud or not is irrelevant - they don't care because you end up as the fall guy.  Point out that this may have ended in a civil dispute over a debt between you and Aviva, but that that debt directly arises as a result of your brother's fraud in claiming to be acting on your behalf and by impersonating your brother.   One of the reasons the police seem to have dropped this case (and this needs to be one of your main grounds of complaint I think) is that they have accepted without question your brother's statement that your husband was somehow involved or in some way agreed to your brother taking this policy out in your name, and the police have simply and uncritically accepted your brother's word on that without ever speaking to your husband, who would vigourously deny it.    (I can't make any better suggestion than that because, to be honest, I don't follow what has happened.  If you never authorised your brother to open this insurance policy at all then I don't understand why the police would place any importance at all on your husband being present at a meeting with your brother.  What did your husband's presence have to do with the insurance policy?  Even if he had been at such meeting (which you say he denies) then how could he authorise anything on your behalf?  None of it makes any sense to me and I can't see why the police would think it did.)   Challenge the police to explain to you why they believe there is insufficient evidence to pass this on to the CPS   I would follow the published complaints procedure of the police force in question and I would also send a copy to your local Police and Crime Commissioner.   I think the main problem here is that (despite what the nice woman PC may have suggested to you) the police have never considered you to be the victim.  You need to demonstrate to them via your complaint that you are the victim here.   One other question: is your husband and are your family supporting you through this, or are you going it alone?
    • The number of firms going bust in September was at its highest since March 2020.View the full article
    • @BankFodder yes but it needs to be without me landing with a default or it affecting my credit rating ?   We have quite a bit to think about let me return from holiday relaxed and recharged ready to attack in a tactful manner    Many thanks 
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can you scan up the agreement and the statements

 

lets see

 

dx

The agreement is the same as I have and posted previously, there doesn't appear to be any statements, just computer print outs! There isn't the default notice either?

 

Also I have just received a letter from MKRR stating they are unable to provide a CCA at this time and they will contact welcome!

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there must be statements of the account

 

and a comms log

 

is the 40days up yet?

 

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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There are 24 pages of 'activties' 1page of 'correspondence' and the loan history which I take to be the statements actually, the agreement Is very difficult to read and there is no default letter.

I sent the request on the 19th May so 40 days not up yet.

They have sent 2 copies of everything!

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as I said you wont get the default letter

 

the monetary statements yes please

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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Sorry must have missed the bit about default letter, why won't I get it?

I have 9 pages of Loan history do u want all of them? Can I post them to you!!

I mentioned earlier about the acceptance fee and broker fee..wat doyou think to that?

Thanks Dx by the way!

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as per post 13 scan them up.

 

they are not required to hold a copy of the DN

 

all they have to do is 'show' it was actioned

 

that will be in the comms/account log

 

prob on the statements too

 

as welcome charge unlawful fixed penalty fees [£12/£10/£15]

for everything from phonecalls to letters.

 

as long as int was not added to the acceptance fee or the broker fee

 

 

ok you got done over

 

but we know that already

 

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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Ok thanks Dx I'll get them up, only prob is my laptop broke so need to get them up via iPad somehow!

Just on one point you made in previous post, can they say acceptance fee and broker fee are one thing and then add them into the monthly so they are 4x more!?

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can you scan and email if I supply one?

i'll put them up

 

don't get you last comment

broker/acceptance should not have int added

 

car

int

accept

broker

 

then divide by 180 mths

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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can you scan and email if I supply one?

i'll put them up

 

don't get you last comment

broker/acceptance should not have int added

 

 

The cost of the fees is increased by a considerable amount as interest is added to them it seems.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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looked at this 3 times now

 

there is no int being added to broker nor acceptance fees

 

total credit = M,N,O

 

then that is divided by 180 to give the monthly payment

 

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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Evening gents,

Sorry I'm snowed under at work so get limited time on here! Laptop broken so I can't scan ATM. I do have an ipad so I could take photos but that would take a while. I have two copies of all from Welcome so I am more than happy to pop them in the post or drop to you depending on where you are!

 

With ref to the acceptance and broker fees the payment breakdown statement I received when SAR'd it's states the following;

Credit/cash advance £127.33

Acceptance fee £3.99

Broker fee £12.73

Insurance £0.00

Total per month £144.05 (x180months)

 

Right next to this breakdown it states the following

Acceptance fee £235.00

Broker fee £750.00

 

Therefore if they say the above are the fees then why have they charged me 3.99 & 12.73 per month for 180months!!!!

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ok lets look at a few things

 

if we look at the agreement

144.05*180= £25,209!!

 

if we use the loan sheet attached

 

those details give an APR of 5%

 

I cant workout how they got interest of £17,442.05 from.

 

I wonder if those monthly bit for acceptance/broker makes the rest up.

 

totally unenforceable agreement mind!

 

dx

 

 

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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Unbelievable! They so prey on people in their hour of need. I look back now and think why did I do it! I really want to put them to shame now, it's disgusting!

How can i get these statements etc to you? I think trying to upload will take forever with an iPad etc? Photos? I really would like you to take a look at them though!

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I can pm an email

 

if you take photos [clearly]

 

i'll redact and put them up

 

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

yep

 

docs here

 

VERY revealing

 

i'll work on this tomorrow

 

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

ok there are charges but not really worth pulling them up over

 

there something wrong with the agreement

 

that int is wrong I think

 

£17k on a £7k loan is outrageous

 

as for the breakdown of what the £140PCM is made of sheet

 

that's a quote , means nothing saly

 

if you now owe anything is a matter for conjecture.

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

ok I've checked and so has IMS

 

using the below xls the interest is sadly correct.

 

i'd await MKRR's next move.

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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Ok will do, I've still got the incorrect default and loan agreement to go on though eh?

Thanks!

 

Evening!

 

Can I ask a quick question,

 

I have the dodgy default notice (posted on previous posts)

 

also the credit agreement doesn't state correct info(again posted previously)

 

I need to improve my credit as I want to remortgage in 2 years,

 

can I get the welcome default removed because of the previous reasons?

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Evening! Can I ask a quick question, I have the dodgy default notice (posted on previous posts) also the credit agreement doesn't state correct info(again posted previously) I need to improve my credit as I want to remortgage in 2 years, can I get the welcome default removed because of the previous reasons?

 

 

Removal of default entries is very much more difficult now.

 

 

As to mortgage applications, you will need to show ma absolute minimum of 3 years + good to excellent credit management, but if the current trend on approval procedures even more will necessary.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks brig, so if I start repairing my credit now and keep my nose clean and the default which was applied in 2010 falls off in say July 2016 will my credit be ok in aug 2016?

 

Hi dx, i have emailed a photo of the cca that i received from Mkrr today, could you do as before and remove personal details and put up?

Thanks

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Thanks for putting it up Dx,

 

so they have a copy of the CCA but it's a terribe copy but

 

also there is no total amount payable?

 

Can someone take a look and see if it's above board and legal??

 

I also have a DN notice which has 14 days from Date of letter,

 

what should I do now?

 

Anyone?

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that's the same as the one in post 12

 

there is a total charge for credit listed

 

the dn is answered post 15

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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