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    • is the home in joint names but this is solely your debt? need far more history to be able to comment if it's paid off and was not just written of by one partly on their books and sold to anther, thus the cra file says £0. dx
    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
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Approaching Pension Maturity - have debts to DCA's - do i have to tell them?


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Hi, I have a pension that is about to mature in the next 3 months. I really need to take it as a lump sum as times have been hard for almost 20 years and I am still living in private rented accommodation since.

I have 8 creditors from about 20 years ago and all these were unsecured loans. I have 3 of the loans where I am paying nominal amounts (£3-£5pcm).

I have written to the others with the 21day CCA request and they have not been able to produce the signed contracts, consequently I have stopped payments

to those companies.

If I take out the lumps sum payment (of which 25% is tax free) do I have to declare any of the above companies as creditors?

TIA

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none of their business!!

and why have you been blindly paying DCA's on debts .

running the statute barred date to infinity for 20yrs??>>>:frusty:

stop all payments to everyone

and dont you dare use a penny of your pension to pay any debts off!!

a DCA is NOT A BAILIFF!!

thread title updated

 

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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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  • dx100uk changed the title to Approaching Pension Maturity - have debts to DCA's - do i have to tell them?

Brilliant dx - Thanks for the advice and telling off!! They were only nominal payments, however I shall stop payments immediately.

A donation to the site will follow shortly.

 

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you have to remember we also post because of future readers in a similar position...it's not a telling off,

- it saves people money!!

if everyone simply stopped paying DCA 's the whole vile industry would collapse overnight

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...

An update from my post 16/01/24.

 

Moorcroft DR Ltd signed the CCA letter 20/01/24.

Received response  23/01/24 stating they no longer require £1.00 fee and returned PO.

They said the request has been sent to their client (M & S Bank) and once they receive further contact from their client they will be in touch.

M & S responded direct to me with letter 01/02/24 (received 07/02/24). Saying in order to process request to complete attached form and send a CHEQUE for £1.00 payable to M & S Bank.

Also stating if we don't here from you within 14 days they'll assume I no longer require this information.

The form asks for name & address, email address, mobile number, DOB, Customer signature and date.

Also for me to tick relevant box to confirm whether i want their response by Royal Mail signed for delivery or secure email. They also sent a second class SAE.

Does this mean that the time lapsed since the DCA received my CCA letter?

Also, should I just send a CCA letter to M & S Bank and ignore the request form they have sent which looks like a bit of a trap to me?

--------------------------------------------------------

Cabot Financial (Natwest)

- I sent them a CCA request in 2023 which they were able to send the relevant information.

As a consequence I stopped paying them immediately.

They have since sent various letters and the latest states

"We regularly review Credit Reference Agencies information. From the data we have reviewed, we believe your situation may have improved. We may review your account for an agent visit. Whilst our data is an indicator of your ability to make payments, please contact us so we can understand what has changed in your situation and update your account."

Cabot (Barclaycard) - Received letter confirming they were unable to the information as per the CCA request and the timescale has now lapsed.

They followed that letter with a request to change payments directly to themselves.

I assume I should just halt payment here?

Would appreciate any advice on these accounts.

---------------------------------------------------------

PRA Group (MBNA) - have acknowledged my request and advised they will get back as soon as possible, however the 12 working days have now lapsed.

I shall advise once received.

------------------------------------------

Capital One - Have not received anything and the 12 working days have now lapsed.

------------------------------------------------------------

Once again I would appreciate any help/assistance with my situation.

 

 

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if anyone fails the 12+2 working day time limit, until they comply and WE CHECK the docs are enforceable, you cease payments.

as for M&S

forget the old CCA request, as stated unless a DCA OWNS a debt, it goes to their client, in this case M&S.

so comply with their wishes 

read ALL THE POSTs IN THE CCA REQUEST THREAD FIRST

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

An update from my post 16/01/24.

 

Moorcroft DR Ltd signed the CCA letter 20/01/24. Received response  23/01/24 stating they no longer require £1.00 fee and returned PO. They said the request has been sent to their client (M & S Bank) and once they receive further contact from their client they will be in touch. M & S responded direct to me with letter 01/02/24 (received 07/02/24). Saying in order to process request to complete attached form and send a CHEQUE for £1.00 payable to M & S Bank. Also stating if we don't here from you within 14 days they'll assume I no longer require this information.

The form asks for name & address, email address, mobile number, DOB, Customer signature and date. Also for me to tick relevant box to confirm whether i want their response by Royal Mail signed for delivery or secure email. They also sent a second class SAE.

Does this mean that the time lapsed since the DCA received my CCA letter?

Also, should I just send a CCA letter to M & S Bank and ignore the request form they have sent which looks like a bit of a trap to me?

--------------------------------------------------------

Cabot Financial (Natwest) - I sent them a CCA request in 2023 which they were able to send the relevant information. As a consequence I stopped paying them immediately. They have since sent various letters and the latest states "We regularly review Credit Reference Agencies information. From the data we have reviewed, we believe your situation may have improved. We may review your account for an agent visit. Whilst our data is an indicator of your ability to make payments, please contact us so we can understand what has changed in your situation and update your account."

Cabot (Barclaycard) - Received letter confirming they were unable to the information as per the CCA request and the timescale has now lapsed. They followed that letter with a request to change payments directly to themselves.

I assume I should just halt payment here?

Would appreciate any advice on these accounts.

---------------------------------------------------------

PRA Group (MBNA) - have acknowledged my request and advised they will get back as soon as possible, however the 12 working days have now lapsed.

I shall advise once received.

------------------------------------------

Capital One - Have not received anything and the 12 working days have now lapsed.

------------------------------------------------------------

Once again I would appreciate any help/assistance with my situation.

 

 

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DX Many thanks for that. However I am reluctant to give them DOB, phone number and signature as I am afraid of them copying signature and bombarding me with phone calls going forward.

 

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Who M&S?

they should already have all those from when you opened the account unless you've moved and not told them?
then theres even more reason to do so..backdoor CCJ.

OC's dont lift signatures.

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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Sorry for not getting back as I've had other issues to deal with.

M&S Bank/Moorcroft( and all my other creditors were notified when I changed address, so no backdoor CCJs have been issued.

I've been paying nominal amounts on all my outstanding cards over the last 15+ years.

As M&S have not actually sold on the debt and most likely do have the original credit agreement, should I continue to just pay the nominal amount or should I try and negotiate a settlement once/if they produce the original signed agreement?

Also Cap1 have now sent me a copy of the original signed agreement when I opened up my account with them.

Should I carry on paying a nominal amount per month or look to try and negotiate a settlement?

Once again I appreciate all views on these issues.

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  • 1 month later...

The policy has now been settled. 

As Cap1 have previously sent copies of the original contract, should I try and reached a settlement with them? Also if I try and reach a settlement, should I do this in writing or over the phone?

Presumably I then ignore all other creditors who couldn't produce contracts where Ive stopped paying them anything?

Any advice is appreciated.

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No CCA produced then you don't need to do anything other than check any communications received to make sure, no pre action protocol letter or Court claim received.   You could follow the same approach for CAP1, but that is your choice.

Do not disclose any financial details to a DCA. It is none of their business.  It is only in the event that a Court requires you to disclose your finances that you would need to do so.

And make sure all creditors always have your up to date postal address.

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