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    • Thanks, having to move house and discovered this. It's causing a nightmare in trying to rent somewhere and mortgage was also refused by the bank.    Shortly after requesting info I got a warrant in the post from bailifs. Managed to halt that and pause any action till I get key dates to try and get this removed.   Not wanting to avoid paying it, just need the CCJ gone.   Appreciate your help. Will read fully although I am not great with law.
    • Write the letter. It's important that you put this in writing so that you have a paper trail. Send the letter by recorded first class delivery. Explain that because of the defect in the bundle which has manifested itself within 30 days – always refer to the bundle – you are now rejecting it under the consumer rights act 2015 and that you require a refund and you want to know what their arrangements will be for providing you with this. You can also send this by email – but do it straight away. This reserves your rights and after that you have some flexibility as to how you want to act. I understand that they are uncooperative. No surprises. Don't imagine either that they will be fazed by your letter – but the important thing is that you are able to show that you are asserting your rights. After that, they are acting unlawfully We will help you make a claim against them and I suppose that will involve threatening to sue them and maybe even going on to sue them. You will find interesting and you will acquire some transferable skills which will enable you to sue anybody else who gets in your way with a degree of confidence. However, it might be a good idea to mitigate your loss and I would suggest that you accept the money that they have put on the table but make sure that they understand that you are accepting it and you are happy with it and you consider that they still owe you the outstanding £70. If you are asked to sign anything then you should decline and then we will help you claim for the whole lot. However if they don't ask you to sign for anything, then make sure that they have a letter from you at the same time saying thanks very much do for the £250. You are accepting it but this should not be taken as an indication that you are now relinquishing your claim to the rest of the money. Tell us what you want to do – with you want to take the 250 or whether you want to simply reject the lot and claim for the lot. If you want to take the 250 – which I suggest that you do – and if they will give you the money despite the fact that you are still reserve your rights in respect of the balance, then come back here when you have that money and we will help you with the rest. If they refuse to give you the money unless you agree that it is in full settlement, then that becomes very interesting because it becomes very clear evidence that they are beating their obligations under the consumer rights act – and this gives you even greater leverage over them when you decide to confront them. The advantage of mitigating your loss is that there is less to sue for and that means that your court fees will be less – although you will get these back anyway when you win. Also, because they are only fighting to hang onto £70, they are more likely to put their hands up once they know you're serious. There is absolutely nothing to lose and everything to gain by taking the money that is available on the table subject to the reservation which I've indicated above.
    • Yes she might well have sunk the VCS ship, or put it on the rocks as it rehashes old stuff introduces nothing new.
    • Hello BF   As you caught, yes both items (console with digital game download) bought from GAME as an advertised bundle (still got screengrabs of the bundle/ad).   No letter sent but I did actually quote that specific 2015 act when trying to return it in-store. I was scrolling away online looking at consumer advice on my mobile as the manager was testing the console. It fell on the deaf ears of the store manager who wasn't entertaining the return/my query at all. They just kept saying there is nothing technically wrong with the console. I'd question whether the manager even knows about the CRA2015 considering their response/the lack of engagement.   I've not done anything formally but I'll write a letter. The store said I can pick up with customer services. I've went more along the lines of escalating from store to area manager. Their website is quite specific that in-store returns can only be made in-store. I'm awaiting a call from area manager next week but after todays update that they will withhold £70 I'm expecting a similar response.   It cost £250 in total. I traded in an old playstation as part of the deal. £100 trade-in value and £150 by debit card. For clarity I'm not expecting £250 back via debit. But £100 store credit and the £150 debit refunded was my sole expectation.   Thanks very much btw!
    • total rubbish   read me   dx  
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std threat-o-gram

 

 

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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Well when i received the MKRR ' final letter and we are now considering our options and will send to litigation dept'

 

 

some months ago and now this Raven '

 

 

this really is the really final letter'

 

 

then i thought they arent serious!!

 

Do i need to do anything?

 

 

Do you think they know about the dodgy default , t&cs missing etc

 

 

and thats why they are just sending threats?

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you are learning!

 

 

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...

std threat-o-gram.

 

 

next bloke next desk diff coloured skirt.

 

 

designed to make you think

it Is escalating through a chain

 

 

whereby its 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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  • 10 months later...

Hi All!! its been a while, just checked my credit file(my credit monitior) and MKDP are still there as holders of the secured debt which they purchased from Welcome, it says Residential Second Mortgage

Account status: Default

Date last updated: 18/07/2015

Account opened: 24/01/2008

Account opening balance: --

Repayment frequency: Monthly

Default date: 04/10/2010

Original default balance: £0

 

As you mentioned previously in this thread they cant do jack as they cant provide CCA

and default is incorrect so

 

 

can i not insist this is removed as every month a big 'D' appears on my file!

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Nothing more can hurt your file as its defaulted already

 

If you could get it corrected

It would be with the oc not the claimant

 

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

also, date of default notice says 05/10/2010 pay within 14 days but on the credit file the default was applied on the 04/10/2010!

 

thanks dx, had a voicemail left today but deleted it too quick...! it was from from a company called west- something or other, ring any bells? thats why im back on here agin just to see whether i still just sit sstill and see out default? if i want to look at selling property what can i do to get rid of the 2nd charge?

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You said the charge had gone from land reg in early posts

 

Prob wescot on the phone

 

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

no I mean the charge against the property on land registry site.

 

 

re post 12

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 dx,

I have today checked the land reg again,

it states in the registry extract that there are two lenders

- one being the mortgage company and

the other being a business that put a charge on my property

(even though they arent lenders they reckon i owed them money)

 

There is no Welcome or MKDP on this section.

 

If you move down to the proprietorship register it again only states the 2 that i have mentioned- mortgage and dodgy business.

 

If you then move down to the charges register then you get the original builders, home owner etc and Welcome are on this,

 

What does this all mean?

 

 

is it that the only charges on the property are the 2 in the proprietorship

and the the charges register are old charges?

 

thanks

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unsure to be honest what that means?

 

 

is there a help file or FAQ section on the LR site that explains the varying entries.

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

This is what i have just taken from the register, The mortgage company and other are on 'B' - note is says title absolute? Welcome are under 'C'

 

B: Proprietorship Register

This register specifies the class of title and

identifies the owner. It contains any entries that

affect the right of disposal.

Title absolute

 

C: Charges Register

This register contains any charges and other matters

that affect the land.

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then the charge is still live.

the loan is still secured

 

 

however, it needs to be noted that its under welcomes name and NOT the pursuers ...urm interesting.

don't think this washes meself

the charge must be in the name of the claimant in E&W

so i's assume the same for Scotland

 

 

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

hmmm the plot thickens!

 

 

what can i do?

 

 

is this ever going to go away?

 

 

i would like to possibly sell the house but how can i if the mortgage is the same as the value!

 

 

the other charge is something i need to look at too...

 

 

i really feel i was conned into letting this happen..

 

 

. is there someone on here thst could maybe help me?

 

 

its complicated though and from a failed business ,

 

 

the charge is the landlord.

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sri about my last post

not meant for you

but

its the same scenario.

 

 

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

Evening dx,

I think i need to get a plan of action now

because if i just leave this ticking over then every month i will just get a default on my credit file for ever more..infinitely?

 

if Welcome have the charge on my property but they sold the debt to MKDP

then surely there shouldnt be a Welcome charge anymore?

 

If MKDP bought the debt then should the charge be in their name?

can they do this?

 

I take it MKDP bought this debt for nothing so they shoot at many a barn door

until they hit one and the person they are chasing gives in??

 

I really want to put this to bed (and leave you in peace!)

what do you recommend i do??

 

Also-- it is westcot calling, haven't spoken to them.

. Who would they calling for?

Would they have bought it from MKDP?

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plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

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... 

Link to post
Share on other sites

plan of action is do nowt unless they escalate things

 

 

them marking your cra file is not harming you any further

 

 

just sit it out and wait for the debt to vanish from the CRa file on the defaults 6th birthday.

 

 

not really an awful lot else you can do.

 

 

I suspect MKDP have no idea at all that the charge exists.

 

 

dx

Ok thanks will do but just before I leave u in peace.... When it leaves my credit file on the 6th birthday what happens to the charge? Even if MKDP don't know it's there, how do I sell the house?

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you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters 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... 

Link to post
Share on other sites

you keep quiet about the charge

if your sols ha any sense h'ell not do anything about

theres no-one to enforce it welcome are dead.

 

 

you don't have to tell anyone with a charge you are selling.

 

 

if the so called creditor doesn't know

and you sols are cute, it matters not

 

 

dx

 

Ok and that goes for any charge if the creditor is no longer around?

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