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Been paying Wetcloths for 15yrs on LLoyds debts from 2005


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what are you scared of?

 

 

 

 

.

 

 

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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  • dx100uk changed the title to Been paying Wetcloths for 15yrs on LLoyds debts from 2005 now intrum buy one.
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Who to be worried about if they are demanding money   HMRC Customs & Excise A Court DWP Mortgage Company / landlord  Council Tax   Who not to be worrie

Every morning look in the mirror, repeat 10 times, I must not talk to a DCA   Personally I say, stuff 'em , don't pay another penny.    

I'm just worried about endless threatening letters and phone calls...and lloyds getting involved.

 

I know its easy for some but I find ignoring them very stressful. 

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Who to be worried about if they are demanding money

 

HMRC

Customs & Excise

A Court

DWP

Mortgage Company / landlord 

Council Tax

 

Who not to be worried about.

 

Any DCA

 

 

 

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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

 

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  • dx100uk changed the title to Been paying Wetcloths for 15yrs on LLoyds debts from 2005
  • 2 weeks later...

hi ,

just an up date , I'm sure your advice will remain the same but just to check.

 

it looks like Wetcloths have found the cca on the loan (see attached letter) 

does this change anything in regards to being chased for the debt?

 

also, on the second photo from a different  letter (received a couple of weeks ago) the amounts circled in green don't add up?

 

any ideas why?

I could call them but I don't really want to contact them at the moment.

 

cheers again guys,

I do really appreciate your responses.

 

 

wetcloths CCA return.pdf

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@dx100uk and @Andyorch are the best to tell you if the agreements are any good. I’m sure they will be on to advise you later.

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

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cause wetcloths haven't a clue what they are going on about

and Lloyds certainly can't merge an OD balance not regulated by the CCA and a loan (that was consolidation of other old debts with them already) together.

 

did you ever get the PPI refunded?

as it looks to me that is all the balance really consists of now.

 

and just to state again..you NEVER ring a powerless dca.

 

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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Every morning look in the mirror, repeat 10 times, I must not talk to a DCA

 

Personally I say, stuff 'em , don't pay another penny.

 

 

  • Haha 1

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

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Given that you have already paid them for 15 years I think £7200 is sufficient....and given that you started this thread in 2006...was the debt not already statute barred before your started this payment arrangement in 2012 ?

 

Have read through your thread again check dates date of default date of last payment.

 

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

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