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Managing own £24K debts after 1 year on a fee paying DMP


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PRA - thats the std twaddle they always trot out claiming it to be a CCA recon return

no sign up or tickbox anywhere...

see

PRA Letter of Claim - now Fast Track claimform - old barclaycard debt - now n244 - Financial Legal Issues - Consumer Action Group

.........................

Aqua.

last but one page is your name?

but no online tickbox either to show how it was entered into.....

like the name/address on the 1st page, could have been inserted by anyone with an old copy of what a Newday CCA looked like at that time? blank it out insert your details could be a cut n paste jobbie

 

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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It was ao finance, not Aqua, but yes, I missed that one.  Will put another version up

 aren’t they ok to give me a cut and paste job now? I thought recons were ok?

 Will have a look at that thread now

 

Cabot - CCA Response - AO flat redacted copy.pdf

New version with better redaction

 

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3 new letters this morning

 

a copy of the Cabot/ao response - a response from PRA with some docs for Lloyds loan, but saying unenforceable.

also a letter from wescots related to old PayPal credit. As far as I know, it’s been sold to Lowell, who I CCAd and have no response, but wescots letter doesn’t mention Lowell, only PayPal. 
 

how do I determine who the actual creditor is? As far as I know based on previous comms, it’s Lowell…

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wetcloths dont buy debts.

 

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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it doesn't say representing ebay......

 

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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Nope - paypal.
Although on some previous correspondence they referred to it as

Quote

Client: Lowell owned PayPal Credit account

Here's the last 2 letters stating it's to paypal.  File & ignore, I know.  Lowell never responded to my CCA - did I get this wrong and should I have CCAd Paypal? (although I feel they're a bit harder to get an address for!)

Wescot - Flatten Redact.pdf

 

And here's the letter from PRA re: Lloyds - seeming unenforcable, but providing what looks to me like an enforcable CCA?

PRA - Lloyds flatten redact.pdf

Edited by Mezzle
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After a flurry of emails today I've had a copy of the report the FOS investigator has sent back to Lloyds. 

They believe that Lloyds should uphold my complaint, refund charges and interest past a certain date, as well as remove adverse information after that date. 

Not sure of figures yet.

Reading the report makes me cringe though - the investigator has pointed out all the bits where I was financially doing bad - payday loans etc :( 

I'll see what happens re: the Lloyds Loans, but thought I'd share the news :) 
:cheer2:

Edited by dx100uk
please dont swear.
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  • 3 weeks later...

Update:

Quote

I am getting in contact as Lloyds Bank have now responded to advise that they accept my recommendations.

So, seems that Lloyds have agreed with the above re: the CC.

The Loan case with FOS is still waiting for a handler.

Also apologies dx - didn't realise I'd sworn! Will be more careful

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  • 4 weeks later...

Lowell rang me this morning, asking me what I wanted to do with the debt.

Told them I was waiting for them to respond to my section 77 CCA, they said they hadn’t had it.

They want me to send it again (with a covering note to explain they’d already taken My previous payment)

 

should I?

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:frusty:

how many times have we said dont use the phone, state writing only and put the phone down or block the numbers...:crazy:

 

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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