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    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • This is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
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good evening all just a update from were I am

2nd letter from cabot for the 2 cca sent on 8/9/23 (MBNA) , received the 2nd letter today dated 1sep for the 2 accounts, they are still trying to get the info from MBNA , looks like they cant find them

 

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now raiding the filing cabinets and doing some copy n paste and then claim a reconstructed agreement is aok and they are the masters... NOT!!

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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a debt buyers name replaces that of the oc as its been sold

plenty of cabot threads here get reading up.

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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  • 3 months later...
4 minutes ago, razorc said:

evening dx100 

am trying to post on my thread but theres no button for me to do it , any ideas

 

The thread may have locked itself. I've just posted on it, so you could try again. Are these two separate queries you've just posted about, or the same one please?

HB

 

Illegitimi non carborundum

 

 

 

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you can delete them , so i can report into my post , if thats ok

good evening all

wondering if somebody can check cca received from cabot after sending them cca request , they sent letter couple months ago saying they couldnt find it , but received this today

is it ok pdf format

many thanks

heres the cca they have sent , blacked out my details 

many thanks

 

Cabot MBNA CCA return.pdf

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On 07/09/2023 at 20:39, dx100uk said:

now raiding the filing cabinets and doing some copy n paste and then claim a reconstructed agreement is aok and they are the masters... NOT!!

good guess 3mts ago.

its interesting how they say that it might or might not be a recon (must state which IMHO) but eitherway it enforceable they claim.

not on MBNA letterhead or any MBNA numbers or markings around the margins - and i think thats why its faked 

have a look around at other 2021 MBNA CCA return PDF's.

pers i think thats a real one but one they've inserted your name and address for the correct time of take out? cause that looks SOOO..easy to do 

and theres no sep T&C sheets?

threads merged 

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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  • 3 weeks later...
Posted (edited)

afternoon again , 

so having a look at the cca they sent , looks ok and as you say dx100uk could be just made up , 

whats my options , am i better setting up payment arrangment with them 

many thanks

Edited by razorc
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why?
they have zero legal powers 

IMHO its a faked one.

have you checked other PDF uploads as advised

 

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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point taken dx100 , just because the produced a cca  I would need to agreement a payment plan with them

yeh having a browse again for them

 

 

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section B missing too

Your agreement with us is made up of both Part A (Credit Card Agreement) and Part B
(Additional important terms). You should read both parts carefully.

so its not a compliant CCA return anyway

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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  • 3 months later...

open

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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Evening all

looking for bit of advice again ,

currently doing my own debt management ,

think may have got up wrong on 1 of the creditors (creation loan)

had got sold to Intrum around nov 23 and havent paid anything to it since then ,

it never went to default

( I thought it did  , now checking credit file , intrum is there and says 1 missed payment and doesnt say account defaulted

can i let that go and intrum will default it?

hope that makes sense what i have said

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without scrolling back.

have you moved since you took the loan out?

 

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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Posted (edited)

hello dx100

 

 no havent moved ,still at same address

I was paying creation a lower agreed payment of £30 for 6months then left it thinking it defaulted , then got letter from intrum as owner of the debt

Edited by razorc
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good await see if they do anything

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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