Jump to content


  • Tweets

  • Posts

    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

been paying 2 DCA's on card debts for years - want a mortgage soon - help


Recommended Posts

Hi All

I've recently come across this forum and I'm hoping you can provide some assistance.

I have two credit card debts, both with debt collection agencies.

The first one has a current balance of £3,815, with the credit card opened in 2012 and a default date of 16th August 2018.

I've been making a £10 monthly payment for several years against this account.

The second debt is for £8,015, from a credit card opened in January 2008, with a default date of 30th August 2018.

Again, I've been making regular monthly payment of £30 for a number of years.

Although these defaults will be removed from my credit file in August 2024, they are currently causing issues, as the Credit Karma app shows I am 339% over my credit limit of £3,500, which is calculated from two credit cards I have with zero balances.

I'm aiming to secure a substantial mortgage, and after reading your forum, I'm considering whether it's worth asking for a debt discount or if I should first send them a CCA (Consumer Credit Agreement) letter to see if they can they produce the CCA information.

These debts have been passed on to multiple debt collection agencies over the years, and I assume the amount they paid for them should be relatively low

.If I were to offer a debt discount, what would you recommend offering?

I just want to sort this mess out before applying for a bigger mortgage

Any advice or insights would be greatly appreciated.

Thank you

Link to post
Share on other sites

Hi welcome.

Who are the DCA's.

By paying them anything, you are simply running the statute-barred clock to infinity and you'll never be rid of these.

If the defaults auto drop off your file in August, then wait until after then before applying for a mortgage, and make sure you check your credit file with Experian or Equifax to check your credit file is clear.

It is pointless dealing with DCA's, and IMO you should stop all payments to them. Who agreed on the amount you are paying them each month? Bet it wasn't you.

Who were the original creditors and when did you take these cards out?

 

DO NOT offer these creatures anything, and STOP paying them.

 

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

yep great advice 

read a good few threads in the debt selfhelp forum where i've moved your threads to.

once the defaults reach 6yrs the WHOLE account vanishes (doesn't mean it might not still be owed mind!!)

DONT EVER give anyone full access (your copy) to your credit file .

then they wont see the old removed debts.

thread title updates

stop being 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... 

Link to post
Share on other sites

  • dx100uk changed the title to been paying 2 DCA's on card debts for years - want a mortgage soon - help

I am presuming that you will wait until debts no longer showing on your credit record, before applying for any mortgage. Even then, you would have to disclose debts to mortgage companies when applying.

You could send CCA requests to the DCA's to see what they respond with. It may help you negotiate full and final settlement offers, if they were not able to supply copies of the CCA. But even if you settled before 6 year anniversary of default  they will still show until 6 year date is reached. 

I would suggest contacting 'whole of the market' mortgage brokers who are independent, so therefore have more mortgage companies and product options.  Get advice about what to do about tackling such debt issues before applying for mortgages

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

3 minutes ago, unclebulgaria67 said:

Even then, you would have to disclose debts to mortgage companies when applying.

not once the defaults have removed them you don't!

what they cant see cant hurt 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... 

Link to post
Share on other sites

Part of mortgage application is declaration  on financial position including debts. This is not restricted to just what is on credit record.

Hence suggestion to get advice from independent Mortgage Advisors.

  • Thanks 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Thanks everyone for your quick responses and advice. I don’t plan to apply for another mortgage until June 2025. 
 

I know by continuing to pay the DCA the SB tick continues, but I did spend the money so I do owe the debt. Wouldn’t stopping the payment plan with them incur 2 more new defaults ? 
 

I think I want to negotiate a discount on the debt with them so I can apply for a mortgage been totally debt free. 

The DCA’s are Lowell 8k and 3.8k with Moorcroft 

Link to post
Share on other sites

Cannot default again, once already defaulted.

You entered into an arrangement to pay towards defaulted debt.  If you stopped paying the DCA's, then Lowells in particular might issue Court claim.

Moorcroft don't normally buy debts. They collect on behalf of Banks who still own the debt. So you may have to ask Bank if they would settle for a reduced amount.

Is it worth asking for SAR's to get hold of all details including statements. E.g. excessive fees/charges applied. Did you tell Banks about any financial hardship at any time?

  • I agree 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

whom are moorcrofts stated clients?

i'd stop paying both of them

you are being had blind.

6 hours ago, Yorkshiretea82 said:

but I did spend the money so I do owe the debt.

throw the 'morality' card out the window.!!

they did when the dca's enrolled you in their free cash cow milking parlour.

you do realise NONE of the money you pay a DCA ever goes off the supposed 'debt' the OC wrote that off years ago when they sold the debt on for 10p=£1......straight down the pub or pays for their staff holidays with you free money.

6 hours ago, Yorkshiretea82 said:

think I want to negotiate a discount on the debt with them so I can apply for a mortgage been totally debt free.

why? the debts wont show once the DN reaches it's 6th b'day. and even if you do, they'll only mark them as partially settled anyway.

a DCA IS NOT A BAILIFF

and have

ZERO legal powers on any debt - no matter what it's type.

you seriously need to wise up and get reading.

Debt management and Debt self-help - Consumer Action Group

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

None of this will have any effect whatsoever on your mortgage. Once it has dropped of your Credit file no mortgage company needs to know anything, and there is no way of them finding out.  After a default is a few years it's unlikely to be taken into account by any  mortgage lender anyway, Providing you haven't accumulated any fresh one's.  

You'd be utterly bonkers to pay them anything at this stage.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

But with any mortgage application you have to declare any debts and any financial obligations which affect the ability to repay the mortgage

Failure to declare could have consequences down the line, if the OP did not pay the debt, a CCJ was  obtained by the debt owner and the mortgage company became aware of this.  

Before the OP decides on best course of action, they should speak to an Independent Mortgage Advisor.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

mortgage companies dont give a stuff about getting a CCJ post lending. none of their business!

same as its none of their ruddy business you have an old debt from 10-20-30 yrs ago you've been blindly paying that they can't see.

people being mugs and getting mugged by paying old debt is not a lending criteria ....not their problem.

however what is is if people believe there is some mystical magical morality wand that a DCA wavs over people that makes them blindly cough up.

simply amazes me in this day and age.

if everyone stopped paying DCA's their business would collapse overnight

the same as why everyone going for a mortgage blindly handsover a full printout of their credit file to a broker/IFA or a lender so they can FIND bad things and scam them out of more fees or a higher interest.

people throw the fllippin morality cards out the window and stop believing what nicey nicey Payplan, stepchange, CAB/NDL etc write..it's utter garbage you are reading and then passing on as correct advice....:crazy:

dx

 

 

 

 

  • Thanks 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... 

Link to post
Share on other sites

DX is right it's just numbers on a spreadsheet and mortgage companies literally don't care , what happened 6 years ago, and they don't care what happens while you have the mortgage providing you can make the payments.

In fact none of the DCA's,  Stepchange etc care about you personally, they just care about how much money they can make off you. The money that you owed all those years ago was a tax write off for a large multinational corporation. DCA's are companies that make millions a year.

That's why the morality card is nonsense

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...