80k debt

[RodeMan]

I will continue to be deaf, dumb and blind to all correspondence then? other than anything legal.

Should I be requesting CCA from the new debt owners? Or shall I let them stew? lol

[dx100uk]

You have had notice of assignment on 2 debts ..which 2 and are they notice of assignments?

 

Scan them up to one mass pdf after redaction. .read upload 

 

Dx.

 

 

 

.

 

 

[theoldrouge]

At the OC stage it’s a matter for personal choice as to which option works best for you 

If you foresee your finances rapidity improving within a couple of years the and just need the pressures off on a temporary basis then a much reduced payment to the OC may be right 

 

[RodeMan]

With the fact I have defaults I don't think it's worth paying OC as they will likely spread out my defaults.

Guess ill wait until they are all sold on and accrue my money for any options that come up.

lIl likely change my phone number and wait.

Chase for CCA agreements before I agree to engage with anyone

[dx100uk]

Well you wont be talking on the phone ever anyway so....

 

Dx

[finaldj]

Thought I would chip in as I am further down the line with debts, not as much as your debts but at least 30k.

 

I ended up in debt with a 13k loan after my wife lost her job. I had a number of CC and Catalogues etc I could manage to pay everything apart from the 13k loan.

 

I didn't know what to do and like you I turned to Stepchange who told me I couldn't be in debt with one and just pay them a small amount I had to go in debt with everything. following their advice I stopped payment on all my CC and Catalogues ended up 30k in debt instead of just 13k and had to change my bank.

 

I found them really unhelpful, took all my income with nothing to spare as had to do the break down of everything I earned I was down for something like 10 years or more to pay it off with current earnings, I said to them it doesn't say on here holidays how am I meant to put anything away for a break and I have  a small child as well they need a break and he said to me you can't have any kind of luxury or it will look bad to the DCA's if you have any extra income because they won't be happy if you are on holiday with money that could be paid to them.

 

I paid for about a year then I found this place who suggested I ditched Stepchange and went on my own. I didn't know what to do and didn't think I could do it on my own, With the help of these guys on here I've come a long way over the last few years and learnt a lot too even though I don't always understand stuff.

 

Some debts the DCA's haven't been able to get the right information so the can't enforce the debt, one of them was the 13k loan so we have another 3 years to go and it will be 6 years then hopefully they won't get that info before.

 

As for the catalogues this eventually ended up with lowell, these are buggers and work with Overdales solicitors. I pushed these as far as I could and now having to take a £4600 debt to court at the end of September, its taken a good few years to get to this point though with things like mediation as options but didnt work for me as they didn't supply all the paper work .

 

I have a 2 hour hearing to attend so got to get all my paper work in order for that. Not that there is much to take as my defence on this one is none compliance with a section 78/CCA request I'm sure we'll come to some payment arrangement in court. Worst case a CCJ the DCA still might not enforce it.

 

Best thing you've done though is coming here and doing it on your own. You'll get plenty of advice on here and the best course of action to take

[theoldrouge]

4 hours ago, RodeMan said:

With the fact I have defaults I don't think it's worth paying OC as they will likely spread out my defaults. Guess il wait until they are all sold on and accrue my money for any options that come up. Il likely change my phone number and wait. Chase for CCA agreements before I agree to engage with anyone

If that works best for you then that is the way for you to go

Just remember that you control your money no one else 

[RodeMan]

just a quick update. so far 3 accounts have been sold on

one Halifax to Link

MBNA to Link

BC to PRA Group

Have sent all CCA requests.

Link have so far exceeded the timeframe to respond with only one letter so far for the Halifax request stating the OC confirmed they couldnt respond within the time frame. no return of my PO.

I would assume without a copy of my original signed for copy of the agreement they shouldnt be able to enforce as they are missing my acceptance of the original agreement?

I would also expect Link to reimburse my PO as they have failed to comply with the request within the time allowed.

[RodeMan]

new update.

Link Financial have sent me one response with what looks like an original agreement with the online tick box and date with my old address and is enforceable.

What seemed which strange on this was in one part of the agreement details the word "Stolen" from cards lost or stolen has been redacted on the page - very weird.

What would you suggest? I am happy to ignore them but would a token payment be worth my time? I seriously dont want to have to be paying these parasites a penny.

[RodeMan]

 

CCA - LinkF - MBNA_compressed.pdf

 

I will sort the PRA one but this is unenforceable currently. I have been reading up on the Bills of exchange act 1882 - is this something with some legal force if i end up infront of a judge in future?

link CCA return HBOS credit card 2014.pdf

[dx100uk]

bill of exchange? 

that sounds like freedom of the land twaddle .

dont go there!!

 

dx

 

[theoldrouge]

"I have been reading up on the Bills of exchange act 1882 - is this something with some legal force if i end up infront of a judge in future?"

oh dear stop reading dodgy websites

[RodeMan]

let me know if the quality is ok? the original came to over 110MB

[dx100uk]

so you applied as got a credit card through experian with HBOS 

it looks like what link have transferred on to their headed paper is enforceable, but no real proof it came from HBOS , that could be someone elses agreement they have simple gotten out of their filing cabinet and typed you details on. as a reconstructed agreement  .

sit on your hands await a letter of claim.

as for MBNA its too blurred

dx

 

[RodeMan]

Looked up the agreement and the dates are correct so I guess they have me on that one. What information is required within the agreement to make this enforceable? I would have thought something with my given credit limit would be required.

Il rescan the MBNA agreement, even from the original the text is way too small to read well!

I would imagine a CCJ will come for sure on the first.

should I ignore until they force my hand or shall I offer a token payment?

[dx100uk]

as i've said before, they have to abide by the pre action protocol first and send a letter of claim.

stop panicking and get reading threads here.

thats not all they will need to provide.

dx

[RodeMan]

just a quick update DX I am now about 50% way through my Car HP. you mentioned it at the beginning of my thread. what were your suggestions here?

[dx100uk]

On 04/05/2022 at 12:33, dx100uk said:

how far into the car HP are you?

anywhere near 50% mark?

you can hand the car back once 50% has been paid under voluntary termination rules  and have nowt more to pay.

should be on your agreement

[RodeMan]

true. However, i plan on overpaying and getting it sorted early. second hand cars are overpriced currently and it would end up costing me a chunk to get something else.

[honeybee13]

Thread reopened. Please add your update here.

HB

[dx100uk]

your barclaycard debt now has it's own thread

PRA PAPLOC - old Barclaycard debt - Page 2 - Barclaycard - Consumer Action Group

 

[RodeMan]

what a return home from a business trip. to a mountain of paperwork lol. and a LOC from Very, noice.

Overdales working for Lowells. I will get the the template together and a PO

[dx100uk]

the paploc is nothing to do with very they sold the debt.

follow post 2 hit letter of claim.