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Thanks Dx but which is post 15? Their not numbered?

 

Found it Dx! Sorry,

 

So is the CCA agreement legit? Everything ok with it?

 

You mentioned before about the interest being outrageous is this something I can attack them with?

 

You said when u looked at the full Sar that it was very revealing, what can I do with that now?

 

Shall I put up the default notice?

 

Sorry for the questions but I want to put this this whole sorry situation which has plagued me for 7years plus to bed!

 

I feel I'm so close but I just need you guys to elaborate for me please!

 

How do I approach MKRR now?

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you have already posted the cca / dn in post 12

 

ok you've been ripped off royally.

 

but under the spreadsheet I post

sadly it works out.

 

let me go see if theres anything we can do.......

 

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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my notes

 

last payment 2010

vanished from CRA file

charge on property gone too

MKRR crawling for an arrangement

defective default notice

no T&C's for CCA

 

have MKRR been chasing?

 

dx

 

was there a comms log from their data system in the sar?

 

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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MKRR ave been chasing but only 3 letters and nothing heavy, I'll check on comms log from welcome but I'm sure I emailed everything to you from SAR?

 

There is an activities log and a correspondence log is that what your looking for Dx?

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all of those yes

 

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...

ok done the file

 

let me see what I needed it for:lol:

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

cant see any other than....29/07/10 data cleanse preformed.

 

have we the MKDP scans here?

 

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

cant see any other than....29/07/10 data cleanse preformed.

 

have we the MKDP scans here?

 

dx

 

The only thing I had from MKDP was the loan agreement front page, should I have had more from them?

what does the data cleanse mean?

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dunno hiding things?

 

MKDP for a CCA return must send:

 

the signed agreement

the T&C's from the time of signature

and any other major revisions

a statement of the account

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

So data cleanse is classed as a major revision?

And I have no T&Cs from the time of signature?

 

I have had a phone call from Raven recoveries, i told them correspondence in writing only, what shall I do now? Act on dodgy default? Ask for missing data?

 

Thanks

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raven are the same lot.

 

did you get those letters off

 

sri you've sent them 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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Share on other sites

if they've sent no T&C's for the time it was signed

 

up the creek they be ...

 

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

Wot no paddle?!

 

So... In the SAR request there wasn't T&Cs, could they not just 'add'them in?

 

The default notice info is not correct and there are items missing from the agreement.

 

With all this in mind,

 

what action do I take now?

 

I received a phone call from raven and I told them contact by letter only

so what do I do when they next write?

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I suspect that will be a discount letter.

 

if no T&C's are available then the CCA is unenforceable.

 

end of story really.

 

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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Hi dx,

Def no t&c's in original or SAR docs! But im just readingvall the letters welcome sent me and one dated 28/08/10 states that i have had a default notice served but i have then had another on the 4/10/10, how many can they serve? They both state account had been terminated but i still receive letters afterwards

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termination does not mean they cant chase the debt

 

as long as the orig default date never changed

and the debt was removed from the cra on theat defaults 6th birthday

they can send as many as they like

 

doesn't change a thing.

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

Hi dx,

Def no t&c's in original or SAR docs! But im just readingvall the letters welcome sent me and one dated 28/08/10 states that i have had a default notice served but i have then had another on the 4/10/10, how many can they serve? They both state account had been terminated but i still receive letters afterwards

 

 

Termination of the account does not stop collection letters etc., just means the account is no longer operational.

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 guys,

Do what do I do now?

Nothing? Or tell them about no T&Cs , Dodgy default, etc etc?

Would like to get this sorted and closed really as want to move house and get new mortgage in a couple years which is when default will fall off. but if default is dodgy and no T&Cs then surely the CRA entry shoud be removed and default removed??

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you don't tell them anything.

 

the default on your cra file will vanish on its 6th birthday

along with the whole account

and they cannot put it back on either

 

regardless if its paid off or not.

 

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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you don't

 

let us know their next move when it happens.

 

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 months later...

Hi Dx and all,

Its been a couple of months but hopefully all the correspondence is on here so you can refresh yourself!

 

Here is the latest letter from Raven,

 

 

what should i do now?

 

 

From our previous chats you hopefully remember that i have a dodgy default notice,

missing info on the CCA and

 

 

no t&c's were provided when i asked from MKRR,

 

Thanks

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