Big, big mess... petition being issued for my bankruptcy??

[Curlyben]

Just to add a couple of things.

 

NEVER talk to these "people" on the phone as they will say anything to make you pay a debt.

Always get everything in writing !!

 

Now if they threaten doorstep vists you DON'T have to let them in or even talk to them.

They are on your property and as such YOUR guest.

Bailiffs wont arrive at your home UNLESS they are ordered by a court, they don't simply turn up.

 

Any threat of court action is just that, BUT they WILL take you to court in the end.

You MUST act fast and ensure they have the legal right to collect these debts. This is one of the main functions of the CCA request.

 

Also NEVR ignore any court paperwork, as this will only case you SERIOUS problems.

Anything that comes from a court needs to be actioned IMMEDIATLY if not before.

 

The time for hiding is now OVER.

The time to regain control of your life and finances starts HERE.

[Curlyben]

CCA is a legal request under the Consumer Credit Act (CCA) 1974 and asks the creditor for a true copy of the excuted credit agreement.

There are certain things that MUST be on this agreement to ensure that it is legal.

We'll cover these later once you start getting responses.

 

Now there are also some legal deadlines for this agreement to be supplied.

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has commited a summary criminal offence and the matter should be refered to Trading Standards for action.

 

I hope this clarifies some things.

 

I recomend that you start seperate threads for each DCA so you can get advice specific to the responses you receive.