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Debt help with CCA requests and full and final settlement offer


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Hi, we have 20debts in total which we have been paying back to creditors for the last 8 year plus.

Total debt still owing is approx £75k.

 

All debts bar 2 overdrafts are either credit card, loan or catalogue debts.

 

Creditors include 6 accounts held by Cabot, 2intrum, 2nco Europe, 2 Robinson way, 1st credit, link, capquest, capital one, pra, moorcroft and a.i.c.

 

what advice would you give.

I have drafted some cca letters but am worried about our mortgage 

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Cabot 5 cc £15k

            2 od £2.5k

           1 loan£10k

Cap one cc £8k

Pra cc £1.5k

Moorcroft cc £2.3k

Aic cc £5k

Link cc £5.2k

Robinson way cc £6k

                          Cc £7.5k

Nco  Europe/Arrow loan £1.7k

                                   Loan £4k

Intrum    cc  £1.5k

                 Cc £2.8k

Capquest catalogue £1k

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stop paying the od's now ..end of.

for all the rest send them a CCA request, when they fail the 12+2 working days limit ..you could stop payments

who are moorcroft and AIC's stated clients please.

 

could do with taken out date from each debt please too.

 

there are lots of like cash cow stories here to read to get upto speed....say bye bye to most of your 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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  • dx100uk changed the title to Debt help with CCA requests and full and final settlement offer

Aic is RBS an ex mint credit card 

Moorcroft is my partners ex egg credit card 

 

Do you need dates that debts were sold

 

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so two debts still with the original creditors and not sold to a DCA like the others?

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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Aic is RBS an ex mint credit card 

Moorcroft is my partners ex egg credit card 

 

Do you need dates that debts were sold

Allied international credit is dealing with an RBS mint card. Moorcroft is dealing with an egg credit card. The moorcroft account has also been dealt with by clarity

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takeout dates of each debt please

and the defaulted date of each if its still showing on credit files.

 

forget the OD debts simply stop paying

get an sar off to each OC of each OD debt too.

 

as for the rest bar the 2 still with the OC's

send each DCA a CCA request as advised above

bet 90% of the debts will be unenforceable cash cow accounts.

 

plenty of like threads here to read...

 

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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Aic is RBS an ex mint credit card 

Moorcroft is my partners ex egg credit card 

 

Do you need dates that debts were sold

Allied international credit is dealing with an RBS mint card. Moorcroft is dealing with an egg credit card. The moorcroft account has also been dealt with by clarity

 So are moorcroft and aic still held by original debtor 

 

Allied international credit is dealing with an RBS mint card.

 

Moorcroft is dealing with an egg credit card.

The moorcroft account has also been dealt with by clarity

 So are moorcroft and aic still held by original debtor 

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no if they state their client is RBS then the debt is still with the original creditor.

 

i'e has not been sold on and you never received a notice of assignment.

 

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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Aic does state client name as RBS card services on the last letter I received from them

 However this letter was dated January 2014 and have not received any other letters since 

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and you have not moved since then and not informed rbs?

 

 

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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12 hours ago, dx100uk said:

could do with taken out date from each debt please too.

also please add what you are paying to each debt owner.

 

i'd get an SAR off to RBS

and

one to EGG , you'll probably have to use the Canadian Square address for EGG. probably now CITI Finance overseen.

plenty of EGG threads in the EGG forum and the address details.

same for RBS in the RBS forum.

 

answer my 2 q's above to complete the debts info and we'll advise further.

 

 

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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I don't have many dates of original debts. They are all between 2002 and 2006 approx.

Most defaults were 2009, there are none showing on my credit report.

Cabot 5 cc £15k       £25mth

            2 od £2.5k      £ 6mth

           1 loan£10k      £20mth

Cap one cc £8k         £16mth

Pra cc £1.5k               £ 3mth

Moorcroft cc £2.3k    £5mth

Aic cc £5k                   £8mth

Link cc £5.2k              £10mth

Robinson way cc £6k     £13mth

                          Cc £7.5k £14mth

Nco  Europe/Arrow loan £1.7k   £3mth

                                   Loan £4k     £7mth

Intrum    cc  £1.5k        £2mth

                 Cc £2.8k        £8mth

Capquest catalogue £1k    £2mth

 

I may have done something wrong,  I have already posted 5 cca requests, 2 of which were to moorcroft and aic. I have also sent a CCA to pra group, link financial and 1 Robinson way account. Please advise what I should do now

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I can see 90% of this debt vanishing.

Typical cash cow victim

 

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 may have done something wrong,  I have already posted 5 cca requests, 2 of which were to moorcroft and aic. I have also sent a CCA to pra group, link financial and 1 Robinson way account. Please advise what I should do now

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Posted (edited)
3 hours ago, Juandy said:

I don't have many dates of original debts. They are all between 2002 and 2006 approx.

I have already posted 5 cca requests, 2 of which were to Moorcroft and aic. I have also sent a CCA to pra group, link financial and 1 Robinson way account. Please advise what I should do now

 

 

You've done absolutely nothing wrong.

Anything taken out pre 2007 will definitely go in your favour.

 

Have you got dates of when you sent those CCA requests?

 

They have 12+2 days in which to supply you with enforceable CCA's after which time you can legally stop paying them until such time they can provide them.

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just sent the 5 ccas on fri 16th April but just been advised that two of those letters should have been sar requests instead 

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That's OK, you can still send a SAR, keep em busy!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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You said to stop paying od/current acc debts. Are they not likely to take any action.

And should I send sar requests to both the original creditor and the dca 

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OC only .

little point in ever sending a debt buyer an sar they hold nothing, just scam people...as you have been.

 

these 2 OD debts originate from the start of the millennium, probably mostly if not totally comprised of unlawful penalty fess and the interest they have cause. yes stop paying . very rarely do dca's 'win' on od debts if defended properly should they ever issue a claim.

and ofcourse they have to issue a letter of claim under the pre action protocol first.

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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Thanks for your advice once again.

So just to be clear.

I should send sar to 2 overdraft  accounts to original creditor. 

I should send sar to 3 accounts held with original creditor to  (capital one, moorcroft and aic).

And I should send cca requests to all the others direct to the dca.

Sorry to bother you but been dealing with this for years and want to get things right. 

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moorcroft and AIC are not original creditors, they don't ever buy debts.

if a debt is owned by a DCA a CCA request goes to the owner.

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 are moorcroft and aic just representatives for the original creditor and should I send sar  or cca's to them

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