StepChange £150PCM DMP - Been Paying for 15yrs - all Old debts/scared and out of my depth

[dx100uk]

god these organisations should have their staff taken outside and...

 

sorry but it really annoys me how these companies that are supposed to help people typically end up harming them for the rest of their lives . you could of had a nice home and car by now.

god 15yrs!!!  £27k lighter,  i bet 90% of your £27k were payments to a DCA and they used the money to go down the pub every night or book their staff holiday...

 

im really glad you've stopped payment to them...

can we see these supposedly enforceable CCA returns

 

put each one in their own multipage PDf please

read upload carefully.

 

for the 

 

[dx100uk]

yep they just like the dca's that pocketed most of your £27k couldn't careless

they are paid by these orgs and the banks anyway .

 

for consumer debt there is very rarely any need to go BK,IVA, DAS or whatever 

the only one thats of any good is a DRO, 

[dx100uk]

thank you 

i would go with the conclusions you have made, but pers i'd not be paying anything now to anyone.

doing this cannot harm you, and if things do get sticky on any of the debts.

 

like those already sold to a dca or latterly those that have not, but subsequently do get,

just let them run their games

its quite funny to see them wave their naughty bits around in total frustration, because you are NOT responding.

 

the bottom line id IF you ever get a Letter Of Claim under the Pre Action Protocol that comes with a reply pack.

comeback here and we'll deal,

 

until them

as i say , theres nothing they can do to harm you further , the debts are years removed from CRA files and can never comeback.

 

always read any letters very carefully, you will see they never use the words WILL.

 

dx

 

[dx100uk]

no i said a letter of claim

thats NOT court action .

its the protocol they must abide by should they even thinking of possibly raising a court claim.

 

pers until/if you get a PAPLOC i'd not be entering into any silly letter tennis with anyone

you've been a cash cow far far too long to the fleecers.

 

 

 

[dx100uk]

 

 

 

there 100's of threads here on paploc threats.

 

just use our search top right

 

or better is our enhanced google search box

 

letter of claim.

 

the more you read ..the stronger we become.

 

dx

[dx100uk]

i wish certain people would not go around every thread and find reasons to needlessly panic people just make themselves appear knowledgeable.

 

original creditors don't do CCJ's.

if the debt is own by a DCA's are not a creditor, but a mere debt buyer.

 

and would have to abide by the pre action protocol as already outlined BeB.

 

 

[dx100uk]

1 yes - they don't want bad publicity.

 

2. a DCA that has bought a debt will often issue a speculative court claim especially if people move and do not update the owners of debts that, lets say they last paid or used within 7yrs, that they have moved.

 

no debt paperwork is needed, they are almost guaranteed a backdoor roboclaim default judgement CCJ as no human is ever involved and nothing is ever checked. which does not apply in your case as they know your AD.

they (as anyone issuing a court claim) must also abide by the pre action protocol as mentioned earlier.

 

any defended court claim would fail if the dca could not produce all the required enforceable paperwork as long as its asked for.

most dca's don't ever go thru the OC, they just raid their filling cabinet, cut and paste and fake the paperwork hoping the judge is stupid, which is why the devil is the in the detail and as a defendant you put them to strict proof.

 

dx

 

 

 

[dx100uk]

there are numerous like stories already here in the same forum that your thread is in

might help you to scroll through a read a few.

 

https://www.consumeractiongroup.co.uk/forum/124-debt-management-and-debt-self-help/

[dx100uk]

[dx100uk]

1 hour ago, Bon-ee-bon said:

following my letter to Link Financial advising them I will not pay any further due to lack of CCA

 

or sure where we ever said to send a pointless letter stating they have no cca ....buzz off?