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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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      • 31 replies

CLI chasing danish bank loan foreign debt.


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Hi there,

 

I've received 3 letters from CLI chasing a debt that originates from Denmark.  I previously lived there until 6 years ago.  The address they have sent the letters to is the address I lived at until mid 2019, the current occupiers have forwarded these letters to me.

 

All three letters follow the script I've read regarding this DCA.  The third letter outlining that they have checked and I am residing at the above address (which I'm not).

 

The advice I've read regarding CLI says ignore them, however I've read some threads talking about Backdoor CCJ's.

 

Should I ignore these letters or should I engage with them as I don't live at the address they have?

 

Many thanks,

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Hi and Welcome to the Forum

 

what type of debt is this ?

 

Andy

We could do with some help from you.

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And if you could provide a brief history of the loan and why you defaulted or disputed.?

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 Topic please PM me a link to your thread

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Sorry, certainly.  The loan was a joint loan between my ex-wife and myself. 

 

After our divorce I returned to the UK in 2015 and continued to pay my share of the loan until around August 2016.  The bank contacted me to say that my ex-wife had stopped paying her half.  I continued to pay for a few months, but because I could not  afford the full payments and the charges that were being put on the account I stopped paying.  I also couldn't access my accounts because I wasn't residing in Denmark.  You need something called NEM-ID, which you can't apply for outside the country.

 

I was contacted by another DCA regarding this debt about 3 and half years ago and due to the quite aggressive nature of this DCA I entered a payment plan.  I wasn't happy with them, because it cost me a fortune calling their premium rate telephone number and they didn't stop the interested as agreed and kept adding charges to total amount.  They took money from me via a DD for 12 months and then stopped.  I haven't heard anything regarding this matter until now.

 

I hope that all makes sense.  Any help on this matter will be greatly appreciated.

 

Many thanks, 

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looks like you got scammed by DCA's from day one that you didn't need to even pay too

a dca is not a bailiff. stuff and all they can do.

 

so these charlatans are now trying it on as you've been mugged before and they think they can do so.

 

 

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 CLI chasing danish bank loan foreign debt.

Most certainly.

who do CLI state is their client on their letters?

 

if its the OC

 

You need to write to the original Danish lender simply referring to the debt and stating your new address.

that will protect against backdoor litigation as the owner of a debt is the only one that can instigate that

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, thanks again for your response.

 

They state the Bank as a creditor within the breakdown of costs, but do not directly mention them as the client.  They have used the term, "Our client," on a couple of occasions.

 

 

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they Should state their client at the top of each letter

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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Hi again,

 

The last letter opens as below:

 

REPAYMENT PROPOSAL FINAL OFFER

Creditor: Bank Name

CLI ref: xxxxx

Debt Amount: £xxxxx = xxxxDKK

Interest: £xxxxx

Compensation:

Debt Collection Costs:

VAT on collection costs:

Balance due: £xxxxx

 

We regret that you have not..... etc.

 

I hope the above makes sense, all advice is appreciated.

 

Many thanks,

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The bank

 

its interesting that list of extras 

none of which even if  they had 

can they charge ever on any debt

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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