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


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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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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... 

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Share on other sites

No, no default notice has ever been served. 

 

They have started up again sending us the usual harassing  generic texts and emails asking for the £48.73 per month. 

I'm going to wait for the letter of claim (if they ever send one, seems they have no idea what they're doing) 

 

I don't think we should set up a payment plan due to the irresponsible lending in the first place. 

 

Does anyone know where we stand if no letter of claim is received? 

 

I feel tempted to go to the financial ombudsman and report them now. Is that a good move at this stage ?

 

 

 

Edited by dx100uk
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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... 

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Share on other sites

I wasn't going to complain to FOS about no defaults. 

 

I wanted to report banco to FOS for the IRL in the first place and I wasn't happy with their response to us about setting up a payment plan. I think the debt should be written off. 

 

Thanks for the advice about blocking, bouncing anf reporting emails.  We shall set that up. 

 

 

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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... 

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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... 

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Share on other sites

  • 1 month later...

Not a default notice....Notice of Arrears is a requirement pursuant to Consumer Credit Act 1974 which a creditor must send to you.

 

https://www.legislation.gov.uk/ukpga/1974/39/part/VI/crossheading/sums-in-arrears-and-default-sums

 

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Well its not asking you to actually do anything...simply informing you as its a legal requirement.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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

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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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