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  • Tweets

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    • Typical defence that you would expect in response...reads rather like a witness statement than a defence.   Be wary of point 25 .....are you currently indebted to the agreement ?.....they are relying on CPR 16.6 to use a set off defence.   Andy
    • Thanks Andy - I really do need to read up!  
    • I am going through an ongoing dispute with Sainsbury’s re them not backdating my default. This is my complaint    I would like to further the following complaint registered initially in September last year.   You18 Sep 2019 7:05PM I entered into a Debt Management Plan via Stepchange in 2018. Having checked my credit report I have noted that you have not defaulted my account in relation to this DMP despite going into arrears. The OCI advises that as a general guide defaults should be recorded between 3–6 months after the arrears were first incurred. All my other creditors have defaulted me within 12 months of entering the DMP which has resulted in the correct entries being on my file for the correct amount of time, namely 6 years, and I would ask that you consider amending my record and recording a default at the correct time on my file. Obviously the failure to record the default has an adverse effect on my credit rating as the debt will remain on my credit report now 6 years from the date that the debt is paid in full which is due to be 2022 and therefore will remain there until 2028 .I look forward to hearing from you as to whether you are willing to amend my records and mark the account as defaulted.    Even though I kept reiterating my complaint and saying I wanted this to be in writing only due to my anxiety and mental health Sainsbury’s bank still Insisted on me calling. I suffer badly with anxiety, panic discorder and depression and have done so and been Medicated for this since 2008, shortly when my money problems started. As I am sure you can understand speaking about this on the phone gives me a large amount of stress and makes it impossible for me to think clearly and retain information afterward. Further to these emails I was asked AGAIN to call Sainsbury's, I felt I was getting nowhere and forced into this method of communication. I spoke to an advisor who insisted that AP markers were not as bad as a default on my account and would not drop off longer. I am sure you can find a recording of this conversation and listen to it yourself. I was made to feel stupid for this complaint and that I was in the wrong and that for my account to be defaulted would be much worse for my credit score on the future. The lady almost scoffed at what I was sayIng. I came off the call and felt silly and wrong, I decided to leave it as I thought a trained member of your staff had told me otherwise. I have now spoken to various trained professionals who have indeed confirmed I was right in my original complaint and that the AP markers will adversely affect my account for longer ! I am very upset I have been given false information which led me not to carry on with my complaint adversely affecting my credit and ultimately my future.  Please can this complaint be passed on to someone higher in the department who understands how this works. I would like my account defaulted from the missed payment dates in 2018 and a response to my complaint ASAP. I hope you can appreciate this Is an urgent and serious matter.   - Sainsbury’s have got back to me and said they won’t uphold the complaint. They say the advise given about AP markers affecting your account less than defaults is correct which it clearly isn’t and that I didn’t state at the time when I was requesting everything in writing my mental health issues they were still ok to insist on my calling instead of communicating with me in writing which I think is incorrect, if I have requested communication in writing then they should do it whether they know the ins and outs of my health.   can anyone advise on how I can respond to them?    TIA
    • Not section 75...thats for credit card payment.
    • Unfortunately I haven't no, I believe that it might still be a possibility to do so, however as I was cancelling under the 14 days I didn't think it would be beneficial. 
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      I bought some clothes online in may through Evans and paid through PayPal
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      • 29 replies

Thinking of an IVA - Loan mistake on form


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already here post 14

re read your thread

 

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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Is a dmp a good idea? Will it finish in 5 years 

Am i right in saying iva i can canel b4 meeting

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a self managed DMP is yes....

cancel the iva

 

not sure how many more times we need to say the same things over and over now at  50 posts of advice...............

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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So afrer 5 years wht about if the amount dosent reduce or still reamaning will step change to dmp for me? In dmp if you owe 40k afrer 5 years you only paid back say 15 then what ? 

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You are better off quite literally doing nothing than an eitheran IVA or a DMP.  Both the IVA and the DMP will just prolong your pain and make you poorer.  

 

 

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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then do the pro rata dmp yourself..as already advised.

stop using silly debt management routes like iva's and dmp's recommended by/through silly industry support org's like stepchange etc.

 

get the pro-rata letters out.

then we deal with the future of your debts once each creditor has accepted your self managed plan or refused it and has had the second £1pcm for life offer as they refused you.

 

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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already asked this and answered you yesterday

it here already in your thread READ YOUR THREAD FROM POST 1 again.

 

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

payslip?

 

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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Im going to tell step change to get lost

how can i deal with commsave a credit union?

 

Iva is a scam 

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how did they manage to get things taken direct from your wages??

you havent got an attachment to earnings have you?

is this related to your employer

 

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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sorry it appears during a recent upgrade our library tab link got mixed up

the correct letter to send is now in post 14.

 

as for commsave

how did they get to take money direct from your wages?

 

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 third time

HOW did they manage to get this set up?

its very unusual for an employer to agree to this outside of an Attachment to wages order via a court

i gather you thus must have signed various forms to allow thisto happen, as you haven't been to court on this loan have you?

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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On some of the credit card there where money teansfer offers will the creditors enq where the money went how it was spent 

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none of their business.

 

 

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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If you loan is unsecured loan but you own ur house if they make u bankcrput

Can the claim ur house 

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NO TEXT SPEAK PLEASE

 

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

i cant understand your last post 

please dont use txt speak.

ask your questions clearly...and spell them properly ...thank you.

 

 

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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