Jump to content


Doyle v PRA Group (UK) Ltd [2019] Questions


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 725 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

registering it on your credit file...it is not a date.

same as with registering a birth...think about it....:frusty:

 

 

 

 

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

Thought I had just done that.

 

The cause of action under a regulated agreement starts after  the debtor has failed to pay the default note, issued under the section 87 88 and 89 of the Consumer credit act within 14 days, this was confirmed incase law.

 

No the permission the credit needs in order to record your data on a credit file, is made under the Data protection act. This is when the creditor feels that the relationship between creditor and debtor have 'broken down'. There is a guideline from the DPA and FCA which says the debtor has 28 days warning before the credit file is updated

 

The recording of data, 28 days has nothing todo with the warning of impending legal action given under the consumer credit act under section 87.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

Thankyou Peter for the clarity, and for the record, was aware of that

 

The point that I was making is that people read this forum as a source of reference and plain English does, as the majority are not proficient with case law and precedent.

 

Was asking genuine questions and do not expect insults with some replies being a self help forum

Edited by whitelist
Link to post
Share on other sites

p'haps others already understood ...and dont need plain english....though i cant see where replies to you are not in plain english......nor referring to go and self help.....

 

Doyle v PRA Group (UK) as the Hart ruling, seems to have had zero bearing on any court cases since either was handed down...else we'd have seen a wave of victories trumpeted by the debt buyers... hasn't happened...

 

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

  • 1 month later...
On 10/03/2022 at 16:56, whitelist said:

Good point, but is it unfair on the debtor?

The credit file would not be clean though as the creditor would still register late payment markers, as the account would not have been terminated on the back of that default notice. These are just as bad as the default being recorded.

Hi just to answer Andys point re when the record can be applied.

The creditor has 6 years to record the debt from the notice so its seven months. If he does not use the slot he loses it. 

 

Remember the not filing a notice of default is not actionable, nor is recording a default late, although they should remove it.

Filling a section 87 default notice incorrectly has the effect of rendering the proceedings void, if the judge agrees 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...