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PRA and Barclaycard debt - CCA return just T&C's? not what I asked for... what next?


Mikeindebt
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I'm trying to understand, I'll read it in full, the other thread.

What happened here though? 

 that imples judge said a reconstituted cca was okay? 

My comment about baliffs was if they're collecting CCJ debt:

"Bailiffs DO NOT collect debts such as Payday Loans, Credit Cards or Overdrafts unless the creditor has taken you to court and obtained and County Court Judgment (CCJ) and you have failed to pay" - 

WWW.VAUXHALLLAWCENTRE.ORG.UK

Bailiffs appearing on your doorstep to recover a debt can be a frightening and daunting experience. Knowing your rights will go a long way to help you deal with the situation when a bailiffs is seeking to recover a debt. This...

 you saying there's a way to defend against a CCJ if they TRY to take it to that stage? 

I',m unsure what my defence would be...  I guess I need to read more!

There's so many threads I get lost.

Is there any sort of guide anywhere you know of?

Man, if there was a PDF guide, even if it was quite long,

I'd pay for that to whoever put it together, as honestly I am trying

- But I think for people new to all this, it can be confusing.

I'll try to learn more and ask fewer dumb questions ;)

 

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the cag link is for a thread 15yrs old now, things have vastly moved on and have changed.

as for the Vauxhall links. the bit in blue is the important bit, its consumer credit and with or without a warrant, there is NO RIGHT OF FORCED ENTRY ..end of.

i seriously would stop worrying about this, you seem obsessed. my explanation in that other thread sums up what is wrong with their so called recon agreement its bogroll. and they know it.

can we please see this silly cca failed letter you sent to them please.

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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