application forms used for CCa's

[Pixie]

Re: application forms used for CCa's

hi, guys
i wonder if anybody can give me some advice, on ' Debts when you die'
I've read on different sites that they do not die with you, however my daughter who worked a bank for a number of years said, it was very difficult for banks to get anything from dead people..this is one of the major issues i have with the 2 debts i owe, which I'm paying £1 per month too. till i die, It's bad enough that i have Prostate cancer to live with, I just don't want to leave any mess my wife or daughters may have to clear up.
We are going to go for equity release, so that will take a third of our home value, but would rather address the situation now, rather than when i am 'resting' thanks in advance.

Sorry to hear about the cancer equinox

I would stop paying the £1 a month...it isn't getting you anywhere.

If things get "difficult" with the enforceable debt, then you can sort something out.

[SXGuy]

Re: application forms used for CCa's

Creditors will try to get loved ones to cough up after you die, but so long as they stay firm, make sure to let the creditors know, you know the score, they will go away.

I was executor of my fathers estate, he had nothing when he died, they tried asking me to repay his debts, i said no, and theres no money, never heard from them again.

Trouble is alot of people dont realise this, and pay up, which is why they try it on.

[Undercover Elsa]

Re: application forms used for CCa's

So sorry to learn of your diagnosis Equinox, hope that day's a long way off though!

Just a thought, but in view of your circumstances it might be worth trying for a write off at some stage.

Elsa x

[equinox747]

Re: application forms used for CCa's

So sorry to learn of your diagnosis Equinox, hope that day's a long way off though!

Just a thought, but in view of your circumstances it might be worth trying for a write off at some stage.

Elsa x

Hi Els:, yeah I agree my thoughts as well, why not, they can only say 'NO' thanks for your thoughts everybody, really appreciate getting support mail, it feels like 'your not on your own' thanks again guys

[equinox747]

Re: application forms used for CCa's

hi, can anybody help? i might be in the wrong place: but this is the situation so far,
RBS have a restriction order(CO) on my daughter's house, this was dealt with by Incasso, the CCJ etc, unfortunately at the time we didn't know all about UE of credit agreements, which after the CCJ we found out that the CCa was UE, however after appealing the decision, the judge deemed it too long after the CCj to realistically put up a defence : so we let it stand. not too concerned about the 'restriction order' as she is applying for a re-mortgage on her house. but he is the crunch:
she recently got a letter from RBS stating that incasso, went into liquidation. and that the 'debt' has now been transferred back to RBS, well as incasso procured the CCj. and they have now gone into liquidation. don't we have some form redress? doesn';t this negate the CCj as it was with Incasso, i've seen on this site that if you follow these simply rules, then nobody can use your name:Get Out of Debt with Get Out Of Debt Free - getoutofdebtfree.org
or is this just a way of getting you to 'signup' any help or advice is as alwys greatly appreciated:

[fluffystuff]

Re: application forms used for CCa's

I really wouldn't take too much notice of what is alleged on that site, it is very misleading I believe.

Not able to advise about the restriction myself but sure others who can, will be along later.

[equinox747]

Re: application forms used for CCa's

I really wouldn't take too much notice of what is alleged on that site, it is very misleading I believe.

Not able to advise about the restriction myself but sure others who can, will be along later.

Hi fluffy, had an idea it was a little 'too good to be true' cheers for reply

[ken100464]

Re: application forms used for CCa's

Plus one on what fluffy said.

Think you will struggle getting anywhere with this imo.

CCJ's can and are traded just like the debt they are attached too.

The new owner for a court fee just substitutes themselves.

Yours will have been an asset when Incasso went bust. Its been sold on to raise money for Incasso's creditors.

What you do get sometimes is the new owner not registering it but a third party still accepts the payments. Seems a total abuse of the court system and seems cack you paying for a debt to someone who dont have a CCJ against you.

We have a personal interest as have something similar so do read up on forums and have thought many times that there is a way. Always find there isnt tho.

Only seen one person admit that they tried to get it set aside when it changed hands. Armchair warriors egged him on as they said they cant sell CCJ's.

Anyway in his own words he said he had been well and truely spanked and wished he hadnt ever come across another well known forum. The costs of the loss to the creditor (who apparently didnt have a CCJ as it had been transferred) were substantial.

His summing up was that the creditor just paid the fee when he started the action and the CCJ transferred. The judge didnt take to kindly to him trying to set aside a CCJ just because it was detached from the debt. Once the CCJ was re attached all the paperwork arguments fail as the CCJ is the agreement. And thats the thing the CCJ protects everything. You have to get that gone before you can start to use the very things you need to get it set aside. Its pants I know.

Wish it wasnt true but there you go. Little guy stuffed as usual.

[Never-In-Doubt]

Re: application forms used for CCa's

I thought Incasso were purchased by HL Legal only a couple of months back.....

[ken100464]

Re: application forms used for CCa's

They were but HL are just about to make the lot of them redundant.

Directors have already fled.

Looks like they were bit too much like HL to be a perfect fit so maybe more of a take down the opposition style takeover. DCA's all seem to think there will be alot less of them shortly. Less but alot bigger.

Seemed less of a debt buyer and more of a collections on behalf type of outfit.

Maybe the OP's OC bank cant stand HL

[ken100464]

Re: application forms used for CCa's

And with that in mind my original post could be slightly misleading.

The OC maybe hasnt changed just the OC's bitch.

But dont change much as OC will just farm out again or collect direct.

[mystery1]

Re: application forms used for CCa's

Always makes me wonder how the assignment chain lines up. When the time comes i'll need to get my folder out and see if the claimant is actually assigned by someone who actually had the right to at the time.

So many "owners" it'd be a shame if one of them skipped assignment so that all subsequent assignments were based on nothing at all.

M1

[equinox747]

Re: application forms used for CCa's

Always makes me wonder how the assignment chain lines up. When the time comes i'll need to get my folder out and see if the claimant is actually assigned by someone who actually had the right to at the time.

So many "owners" it'd be a shame if one of them skipped assignment so that all subsequent assignments were based on nothing at all.

M1

hi fluffy, glad you brought 'assignment' up i read a lot about this, but it seams to crack no ice. am i wrong here or is it necessary to see all the paper work, i.e notice of assignment, duly signed by the both parties, debtor/creditor, and does it have any weight if any of these elements are missing, or -mus-represented. or even 'constructed' it just leaves me in a grey area, not really knowing whether to chance up or confront the new DCa's over 'letters of assignment' i know for a fact i have a couple of 'dodgy ones, but haven't taken it any further as i'm only paying £1 per month on them, but would certainly like the opportunity to 'challenge them, if anybody thinks it's worth a 'punt' cheers everybody in anticipation to continued support and advise.