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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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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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