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    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
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lowell and 2 JDW CAT debts - Default about to reach 6yrs - do i still keep paying??


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Good Afternoon,
I am just seeking some advice as to payment to a DCA after the default has dropped from my credit file after 6 years.
Account is for a catalogue and opened in 2009, defaulted in 2014.

 

I have been paying the DCA a nominal monthly amount.

Do I continue to pay?

can the DCA get a CCJ after a default has run its course if I stop paying?. 
Many thanks in Advance
MO

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Why are you blindly paying a DCA?

 

Who says the debt is even enforceable??

Have you ever sent the fleecers a CCA request??

 

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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Many thanks for your early reply.


I have not requested a CCA as I read somewhere that laws changed in 2009 and even if a reconstituted  CCA agreement is produced  a CCJ could still be obtained.?


Historically I have dealt with other  alleged debts and DCA 's and those unable to produce a  CCA I promptly stopped paying.


I am loath to continue to pay this DCA .

I was caring for my son who had a brain tumour and this particular DCA

I  just did not have the strength to deal with during those tragic times.


If I can be assured they will not be able to obtain a CCJ  if I stop paying, then I will begin the CCA process.
Kindest 
MO

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Well you read wrong.

 

send them a cca request asap

stop being a cash cow.

 

 

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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who's the DCA and who was the CAT debt with?

let ne guess not lowell's par chance?

 

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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So two cca request s then.

 

give us a bit of history please

when taken out

Defaulted?

Owing now?

any dispute s??

 

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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  • dx100uk changed the title to lowell and 2 JDW CAT debts - Default about to reach 6yrs - do i still keep paying??

BNPL stuff too?

 

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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ok 

lets await the CCA returns

they have 12+2 WORKING days

should they fail to comply within that period

you are quite within your rights to cease all payments until they comply

 

might pay you to get you duck inline and get an SAR running to JDW

 

and also read a few lowell CAT debt

threads

use our search top right

 

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...

Received a letter from Lowell dated (10/11/20) stating they are requesting documentation from JD Williams. They say they aim to provide within 12 working days.
Lowell have asked I send them various ID details via email so they can respond with attached documentation from J D Williams as they 'cannot send anything via Royal Mail until government restrictions are lifted.' If I do not want information sent via email they will send as soon after restrictions are lifted. (but they managed to write to me today!?)
Meanwhile they have put account on hold and if they do not hear anything from J D Williams after 40 days they will send an update.

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No government restrictions in place with regards to post hence your letter of today...Lowell exercise to gather email and personal data.

 

Ignore let them post it out

 

Andy

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  • 2 months later...

Good Afternoon All,
Just to say I received notification today from Lowell stating that they cannot supply the information requested, so have decided not to pursue the accounts. Thank you all for your help,
Particular thanks to dx100UK for giving me the confidence to take action.
with much gratitude
Moving on
 

 

Edited by moving on..
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you mean closed their accounts...

oh how unusual ...shame they scammed you like 100'000 of others out of money when they had no proof at all that you ever owed it.....

 

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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