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Old 1991 shortfall debt - been paying various DCA's since then - now Shoosmiths say i've not paid it all


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Many years ago my husband bought a house with his then girlfriend.

They split and the house was repossessed and sold.

 

He is still being chassed for the debt all these years later.

He has repeatedly asked for the documentation for the debt and they are unable to provide any.

This is the latest letter below.

Is there anything he can do? 

shoosmiths letter.pdf

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need the whole story please.

 

and next time use PDF please not post a jpg directly to an open thread where anyone can read it  registered member or not.

only registered members can download a PDF file that way we can protect you.

 

so who was paying till 2020, his ex?

if so as it was a joint and several debt in both names he is liable

BUT

who said it needed to be paid in the 1st place

did she get scammed by DCA's into paying it or was ordered to by a judge?

 

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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My husband has paid the whole debt.

He has asked many years ago why they are not pursuing her for it and they have said they can't find her even though he gave her address.

 

They did however say that they would half the debt, this has not been done. 

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Well he was a mug then.

When did he start paying this £10pcm?

, who said he ever had too?

I bet it wasn't the judge at the time of the repo?

b et he got conned by a fleecing dca, they are totally powerless

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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Please answer my q's

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

 It was a DCA. It has been sold on so many times that there is no paperwork, which is what I told him to ask for, hence the above letter that he received today after 3 months of asking for proof he owed the debt.

 

 

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When did he first start repaying this??

The home was sold in 1991!

 

Surely he has not been paying this constantly for 30yrs??

 

however being a mug from day one is no reason to keep being a mug now.

ignore them.

there is nothing they can do

 

the reason why he has been passed around to so many players is because they all meet down the same pub paying for drinks with his free money and talk.

 

here you send this guy a letter saying pay us now.

he coughs up instantly.. And we've all had him now for almost 30yrs doing the samething.

 

 

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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Yes he has been paying it for the whole time. We have raised 4 children in that time. I have taken a debt collection agency to court and won with costs awarded but he just carried on paying. You can't educate stupid. I can't tell you exactly when he started paying it but shortly after the sale.

 

 

Edited by Pagan princess
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Aw shame i was hoping there might have been a 6yrs gap or better..

 

oh well just ignore them now

stuff and they can do

 

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 Old 1991 shortfall debt - been paying various DCA's since then - now Shoosmiths say i've not paid it all

just the same office, same printer but a desk closer to the bog with a bloke sitting at it in a different coloured skirt than the rest.

 

i would assume, 'the client' has always remained the same?

 

who was the original lender do you remember 

 

it makes no odds they are a solicitor

 

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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