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Domestic Violence now left with Major debt - all in my own name


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quite probable that they are NOT enforceable?

 

i think they were sold on because i just never responded to any correspondence, and they got fed up of chasing. 

 

I will be sending SAR  CCA requests today, just as an aide memoir, can you remind me, am i sending to original creditors?

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No CCA to debt owner

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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dunno till you get CCA returns...

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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ignore the OD's, see if they wish to start an expensive law suite by way of a letter of claim, to claw back £'s on an unenforceable overdraft debt most probably 90% created by the oc with fees interest and charges. 

 

 

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 have today received a letter from Credit Style, collecting monies on behalf of the Administrator appointed following People's Energy collapse. 

 

The letter says:

 

I am one of the few who has not responded to the original letter saying I have an outstanding bill. 

 

Pay up or we will take you to court. 

 

I swear, I just cannot cope with anymore.

 

I feel like I have been hit by a steam train

 

the debt is for £1200, and to be honest, my head was / is all over the place, I stopped taking readings etc because of the chaos going on at home, I am at breaking point.

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read it properly

it does not say WILL anything.

 

 

 

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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pig MAY fly too 

 

considered for a CCJ, well CST are a debt collector they cant consider anything, only the debt OWNER can...Administrator appointed following People's Energy...and ive never seen an admin ever issue a CCJ.

 

and ofcourse dont forget the golden rule here.

 

 

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..

 

so its a stupid threat - o - gram 

nothing to warrant...

 

1 hour ago, Feelingdownandout said:

I swear, I just cannot cope with anymore.

 

I feel like I have been hit by a steam train

 

1 hour ago, Feelingdownandout said:

o be honest, my head was / is all over the place

 

1 hour ago, Feelingdownandout said:

I am at breaking point.

 

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...

i have a question please. 

 

i have tonight punched all my debts etc into StepChange, and it has come back saying i could enter into a DMP.

 

However, when i look at the list of debts, it hasnt included all of them.  Only those that appear to be under £5k.  and for a period of 3 years.

 

any ideas?

 

Also, I have done some reading on 'Responsible lending' and the obligation on my creditors.  i am going to pursue that avenue as well.  because it was clear to see that my income could not cover my debt, yet the borrowing / lending was still increased etc. 

 

 

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no as they never question enforceability 

use our pro rata letters but only on enforceable debts.

debt is not a crime.

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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Don't ever use a dmp provider free or otherwise.

 

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

have they returned enforceable agreements yet?

 

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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Then stop jumping the gun!!.

 

You might well find 90% of your debt owners have zero paperwork!!.

 

You did send everyone a CCA request? And when?

 

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 i bet not long before everyone 's time limit of 12+2 working days expires. 

 

And until/unless any latterly fakes up a return agreement which i bet will turn out to be unenforceable...they each remain in default and dont get a peNny from you..bye bye debts..one by one by one.

 

Just to be perfectly clear..you dont do anything further now, stop fretting, sit on your hands, ignore all letters, texts, emails etc etc from them all unless its a cca return, or a letter of claim..if so you come here and tell us.

 

 

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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  • 3 months later...
  • 4 months later...

Topic open .....again :becky:

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 OTHER

 

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If you want advice on your Topic please PM me a link to your thread

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follow post 2 of the letter of claim <<clickme thread

 

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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