Rockwell DCA CCA request and recieved

[Treepiary]

Re: Rockwell DCA CCA request and recieved

Hi

First of all try not to worry about this.

As for the DCAs behaviour.

They cannot nforce you to pay more than you can afford even if you only offer them a pound a month.

Don't answer the phone to them & if you do, ask who's calling & if it's them hang up. Everything in writng from now on.

Is this your only debt?

no it is not the only debt.

i owe out £5,500 to Rockwell ( cash loan )

i owe out £789 to DLC (cash loan/hp) ( robinson way) who also defaulted on a CCA request and said it is me that should prove i do not own debt

i owe also £1,400 to Zinc recoverys (cash loan/hp) same as above with DLC, but even more threats and nastyness over telephone. ( zinc also sent me CCA's that was for other people, i shredded these as they was not mine and had everything , bank numbers , account details, telephone details) i know know i should have sent them to an offical body like the police.

also owe for an overdrawn nationwide account ( i did not ask for an overdraft did not know i had one either, not my fault , NTL kept taking money out even after i said i could not pay).
and a credit card with nationwide, but these have not chased me as yet.

rockwell = lloyds finance

DLC = HBC

zinc = HBC ( zinc is a company made from directors of another DCA that went bust, and also employs the same people )

if i was to become homeless can they still chase me ?

can i go bankrupt and homeless, the courts should see in my favour ?

Why homeless : my father just had a bypass opp, these people at the door would put him in an early grave, something i cannot allow, hence leaving home and sleeping rough. i will do anything to protect my family from the abuse these people throw around.

[swanfan]

Re: Rockwell DCA CCA request and recieved

Hi

First of all try not to worry about this.

As for the DCAs behaviour.

They cannot nforce you to pay more than you can afford even if you only offer them a pound a month.

Don't answer the phone to them & if you do, ask who's calling & if it's them hang up. Everything in writng from now on.

Is this your only debt?

[Deepie]

Re: Rockwell DCA CCA request and recieved

Hi
First of all calm down
your in the right place for help
what was the debt for ? c card /loan

[Treepiary]

hello

My diary is found here: Treepiary's UE Diary

to cut a long story short, rockwell have been chasing me from 2009 for a debt from 2005. in 2009 they sent letters and solicitors letters stating if i did not pay i would go to court so i started paying, threats to send bailifts to my house and around 30 letters in 6 months, i have kept every letter they sent me with the threats of court , court bailifts .

i sent a cca request around october 2010 and requested by phone several times in 2009,

in mid january 2011 and recieved the cca however. i had been paying this company off but got behind paying these people. they then start again with threats to me of courts and debt collectors at my door.

the cca is not countersigned or dated by anyone from the loan company no terms and conditions to,

today ( yesterday) they sent me another nasty letter stating " a court judgement/decree may be requested " because i failed to pay the £22 payment that they had forced me into. i explained to the guy i was struggling but still the £2 was added to the already £20 a month i had been paying.

i am on JSA i do my very best to pay this company, i have started to get behind on payments usually around £20 a month, they called me saying they needed to revise my payments.
It was then i was told i had to pay £30 then £25 then the went down to £22 . in the end i gave in said whatever. i explained to the guy i was struggling but still the £2 was added.

they keep phoning me sending letters, complaining, asking if i am looking for work, if i had interviews, i am expecting them to ask when i eat drink and go to the toilet next. it is like i am in a police cell being questioned by the fed's.

can they force me to pay more than i can afford, i have paid off around £210 in the last eight months from a £5,500 (balance including £921 in collection charges and interest over a year around £60 and £30 each month) out of the money i get from JSA.

i get £135 a fortnight i live with my mum and dad and middle aged. i have lost my job, have lost around 2 stone in body weight from stress and the though of being jailed , have no friends now and have become a recluse.

They Rockwell, have even said maybe borrow it from a family member or do i have a credit/debit card or can i get a loan to pay it off. i am on jsa how can i afford a credit card or even a loan. i have black marks on my credit status, and my only source of credit would be via provident and those types of lenders that charge 245% APR on a silly £200 loan

now where do i stand ? what can i do, is this CCA null void to a court as if it has not been counter signed and dated the loan has not been executed ?

how can the agreement be enforced if it has not been countersigned or dated. it is also missing the first payment date. so in effect no dates or countersigned. everything else is correct on the CCA.

i have till 27th june 2011 to contact them or they will as said in letter take me to court and get a decree. i have though so hard about this i have even thought about leaving home and becoming homeless so they cannot follow/chase me.

i just do not know what to do now