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Guarantor in a pickle due to non-payment George Banco (aka Everyday Lending Limited)


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i would suspect one has already been sent?

 

get her to check her credit file please

 

as for bailiffs read the letter properly , it doesn't say will anything.

and any dca are not bailiffs  they are powerless muppets.

 

whilst on the subject of her credit file

when she took this loan out was her files shot with lots of other loans/cards/debts? with late/ no payments and defaults?

 

if she could not afford the loan from the get go, they should not of loaned to her and there could well be a god case for raising an irresponsible lending complaint that could wipe it out totally or dent whats owed by a good 50%

 

tell use a bit more of its history.

 

 

 

  

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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On 07/10/2021 at 13:54, dx100uk said:

if she could not afford the loan from the get go, they should not of loaned to her and there could well be a god case for raising an irresponsible lending complaint that could wipe it out totally or dent whats owed by a good 50%

 

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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get reading up too

cag is about selfhelp and empowerment

 

pers id follow the guide and get an irl complaint running.

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

correct thats what i said yes

perfect reason and a shot credit file another

#they should never had loaned to her in the 1st place.

 

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

you know if you get a leter of claim

to be honest id not (you) contact them at all.

 

get you daughter to raise one of these

 

should kill thiungs dead or atleast reducer the balance to virtually zero

 

 

PDL Claim Guide - WIP.pdf

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

do it regardless

 

dx

  • Like 1

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

  • 2 weeks later...

stop interest or removed all int paid to date?

 

can you view the A/C online at the everyday loans portal?

 

i'm wondering were this sits now regarding payments made to date and current balance.

though i would also  IRL complaint will also hit the outstanding balance hard too.

 

what date did they state int would stop>

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

You might not owe 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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Share on other sites

how much is she paying?

 

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

Well they can't 'hurt' her more until irl is sorted.

So can't hurt if can't pay for now

 

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... 

Link to post
Share on other sites

  • 2 weeks later...

how much has she actually paid to date? has SHE any records of her own?

for them to say they are going to refund anything over £1k paid+8% is a useless thing to say if she hasn't paid over £1k :crazy:

 

either they have explained things wrong or mis-interpreted fca/fos guidelines in what to do in these cases.

 

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... 

Link to post
Share on other sites

:cheer2:

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... 

Link to post
Share on other sites

  • 4 weeks later...

How much has she paid then? No good asking me a question, when what we need is the answer to what banco stated, they are not going to demand anything if she's paid over £1000......so.....

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... 

Link to post
Share on other sites

So setup a payment plan at say £10pcm for the remaining £160?

.

 

problem solved?

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

could , yes... but they've wiped everything they should.

 

i notice re reading the thread 

there is no signs of either default notice.

 

so it might be an idea to sit on her hands until/unless they issue a letter of claim.

 

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... 

Link to post
Share on other sites

no sit on your hands

 

theres nothing the FOS would do unless you think otherwise?

you can't complain about no defaults ......

 

if no LOC then the debt ticks slowly toward statute barring.

 

you should be blocking and bouncing ALL their emails

and you should be blocking and reporting texts to 7726.

 

 

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... 

Link to post
Share on other sites

sure you've been told before about email & texts.

 

she might owe £160, if the fos agree then thats bad and enforceable against her.

 

better to see what they do now.

 

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... 

Link to post
Share on other sites

yes i see, however a quick bit of self help reading a few threads in this PDL forum will show it's std advice on every debt, not matter what it's type.

 

if you do those things, which removes their free way of harassing her, trying to intimidate and worry, they'll eventually, poss, might, actually revert to letter writing, then you have a papertrail, should the need ever arise to involve the authorities in the future.

 

for now i'd go enjoy xmas and new year, even if they were to send IF IF IF a letter of claim after a series of other rubbish that can be ignored til LOC, you've got 30days to reply to it and thats well into the new years.. so enjoy the holiday season now.

 

dx

 

  • Like 1

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... 

Link to post
Share on other sites

  • 1 month later...

hold Nerve on what?

that letter is wrong.

only £160 is poss owed as per their last 'settlement' letter

 

the OC wont ever do court, they'll sell it on for about £20 to a debt buyer/dca and wipe their hands of it.

 

come back if that ever happens

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

Sorry even though you now realise, as an oc never does court, their wont ever most probably be an loc until its ever sold on...and with the obv dispute about the debt balance, they'd drop it like a hot brick.

 

out herding sheep so cant scroll too well. But did these default notices ever show up?? Too

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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