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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
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    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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Been paying stepchange for 8yrs - can my OH do a full & Final to Capquest on the 2 debts from 15yrs ago?


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I would be grateful if anybody could offer any useful advice on this. Sorry if it's in the wrong forum.

 

My girlfriend has been paying off debts years through Stepchange.

I may be in the position to pay a large percentage of the final 2 debts , the largest 1 is with Capquest, and I wondered how to go about making a full and final settlement.

 

Also I wondered if anybody has an idea of the percentage  of the debt likely to be enough for them as I can't pay the full balance.

 

Many thanks in advance

Billy

 

 

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WHOOOOOAAAAAAA!

 

Hold yer 'Orses.

 

When you say ''years'' exactly how long?

 

Do any of her debts show on her credit file?

 

Have you ever requested the CCA for any of her debts?

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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Thanks for replying.

 

The original debts were from possibly 15 years ago.

She struggled to pay them for a few years but eventually had to go to Stepchange to get help in around 2013.

 

NCO/Arrow took over the largest one in 2014 and then Capquest took it over in 2016.

 

She doesn't have an account with a reference agency to check her file but I could help her do that if necessary .

She hasn't requested a CCA and she's not sure what that is.

Moorcroft took over the smaller one in 2018

 

Thanks again

Billy

 

To update this I've just checked her credit file for her with Credit Karma and the both of these debts are still showing

 

Thanks,

Billy

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you should never blindly pay a DCA anything

they are NOT BAILIFFS

and have 

ZERO legal powers on ANY debt, no matter what it's type.

 

NCO/Arrows/Capquest are all the same lot, just different trading names to scam people out of money

 

can you please tell us about the debts.

 

Original creditor

type of credit 

when taken out

what is the defaulted date

how much is owing.

 

 

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 replying.

 

The biggest debt was originally with Very catalogue .

The original catalogue account was from over 20yrs ago probably.

She first had problems paying maybe 15 years ago but doesn't know when defaulted

Now down to 1200 ish from 6K ish.

This is on her Credit Report as a debt to Arrow with no dates or a default etc'???

 

The second is Argos Card services

Was opened in 2002

Timescale as with above debt.

Listed on Credit Report as owing 300 ish with no default date.

 

Thanks

Billy

 

 

 

 

 

 

 

 

 

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send capquest a CCA request for both.

 

they have 12+2 working days to reply, after that stop payments till they do.

 

and we check the bogroll they send back is legally enforceable.

 

i've moved you to the debt self help forum

 

read a few threads here and you'll soon get the Idea.

 

or type in cash cow in our search of the red banner. top right

 

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 would suspect the debt was defaulted years ago by the original creditor

as such no it should not be showing if the default notice was issued more than 6yrs ago.

 

when did she get the letters of assignment advising of the sale of these debts to a debt buyer?

 

 

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 dx100uk.

 

The letter of assignment for the biggest debt  from Shop Direct/Very to Arrow was October 2014.

 

I believe the smaller debt is still owned by Argos but may be being collected Moorcroft.

 

Cheers,

Billy

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look at moorcrofts letter it should say our client xxxx

moorcroft don't buy debts only act for clients.

 

the defaulted date for the shop direct very CAT debt would be from before or upon sale by SD.

arrows name is simply replaced by SD's .

 

i will guess she got scammed into paying a DCA by Stepchange so should be close to that date she started the DMP

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

if the defaulted date is within 6yrs it will show.

now if it wasn't defaulted promptly when it should have been, is another matter that only an SAR to the original creditor would prove or not.

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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read a few threads here

get upto speed on the whole debt industry...

 

Debt management and Debt self-help - Consumer Action Group

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

  • dx100uk changed the title to Been paying stepchange for 8yrs - can my OH do a full & Final to Capquest on the 2 debts from 15yrs ago?
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