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Couple of questions regarding debts, DCA’s and defaults


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1. yes, no.

 

2. please list your debts

 

what type of credit

when you took it out

who owns the debt a DCa or the original creditor.

who you are paying now

amount owed

 

why are you blindly paying any debt owned by a dca? without sending a CCA request ?

 

you dont need anyone to manage your debts 

do it yourself!!
 

 

 

 

 

  • Confused 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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32 minutes ago, Strawberry_candy33 said:

I am In arrears (and maxed out )of one month with several CC companies and am at the risk of being unable to pay hence finding a 3rd party to pay everyone so I don’t have to stress every month finding out how much I need to pay who. It’s draining. Just one simple payment.

 

you can do this yourself, use our pro rata letter from the debt collection section of library.

 

35 minutes ago, Strawberry_candy33 said:

In relation to the other question of mine ,

My main debts are as follows:

original creditor : Aqua 

Account opened : 26 September 2013

Defaulted : 27/06/2017

Taken over and sold to Cabot sometime after July 2017.

amount remaining : £2898

The default for this drops off next year.

If I stop paying this will it drop off still or could a new default date be applied or updated ?

 

Last one was

Original creditor Hitachi Capital Finance.

Account opened : 19/01/2016

Defaulted 30/06/2019

Sold to Lowell Portfolio One sometime in July 2019.

amount remaining : £4037.

 

paid, paying or not paying a debt drops off your file on the defaulted dates 6th b'day, though that does not mean the debt might not be owed.

send each a CCA request

 

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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Read what it says?

 

Without enforceable paperwork a debt is unenforceable in consumer law 

 

Plenty for you to read on other people's threads in this same forum, don't be a DCA cash cow 

 

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

God no never   you are one line in a portfolio spreadsheet of 1000's of purchased debts of debtors.

 

A debt buyer typically purchases debts for 10p = £1. But still fleece you for the full value .

 

9/10 the paperwork doesn't exit anyway, just think, why didn't the original creditors take you to court and crush you, but chose to sell the debt for 10% of its value...urm .... .

 

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

nothing.

 

they cant until they do.

 

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

just clickit and read

 

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

click CCA request and READ ALL THE POSTS THERE!!

 

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 do not sign a CCA request, doesnt matter how you produce it.

Why dont you use a library or a friend or neighbour  with a printer? 

 

Youve got several to send out. 

 

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

If you are paying a dca on any debt they own, cca them.

 

£12 penalty charges are unlawful, reclaim them

 

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 use our pro rata letter from the dca section of our library that puts rhem on notice they will only get xxxx if they freeze int and charges . using Credit is a bad way to keep living day to day.

 

or investigate the breathing space scheme.

 

You must take control.

 

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

  • dx100uk changed the title to Couple of questions regarding debts, DCA’s and defaults

hows this going any CCA returns yet 

they should be close to their 12+2 working day reply deadline

 

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

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