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  • #16
    Hi Di,

    Debt 1

    No response no CCA as this is community loan agreement so i have been told. (still paying through stepchange)

    Debt 2

    No change still paying

    Debt 3

    CCA on way so i am told but has never turned up. (Stopped paying and took out of stepchange plan to see what happens)

    Debt 4

    Received CCA (still paying stepchange)

    Debt 5

    Letter stating they cannot find the CCA so stopped paying and took out of Stepchange)


    I haven't had any letters other than the mass i sent to yourself. I have took a gamble and stopped paying 2 of them so lets see what develops.

    Thank you

    Comment


    • #17
      Originally posted by col81 View Post
      Hi Di,

      Debt 1

      No response no CCA as this is community loan agreement so i have been told. (still paying through stepchange)

      Debt 2

      No change still paying

      Debt 3

      CCA on way so i am told but has never turned up. (Stopped paying and took out of stepchange plan to see what happens)

      Debt 4

      Received CCA (still paying stepchange)

      Debt 5

      Letter stating they cannot find the CCA so stopped paying and took out of Stepchange)


      I haven't had any letters other than the mass i sent to yourself. I have took a gamble and stopped paying 2 of them so lets see what develops.


      That sounds like progress to me, especially Debt 3 and Debt 5.

      You should now feel pleased that your offer to settle was refused

      Di
      Last edited by Diana Mayhew; 20 November 2020, 15:14. Reason: typo
      Legal Disclaimer

      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

      Comment


      • #18
        Hi,

        I suppose the thing is that the paperwork is that complicated i have no idea if the other debts are enforceable. To be honest i just want rid of them asap. I am thinking of upping my settlement on the outstanding ones to 50%. If i have for arguments sake £7500 on Stepchange with £3500 removed i owe £4000. I would be happy to settle at £2000 if i could. I just want to move on ive been stuck with this debt for so long. Thank you

        Comment


        • #19
          Originally posted by col81 View Post
          Hi,

          I suppose the thing is that the paperwork is that complicated i have no idea if the other debts are enforceable. To be honest i just want rid of them asap. I am thinking of upping my settlement on the outstanding ones to 50%. If i have for arguments sake £7500 on Stepchange with £3500 removed i owe £4000. I would be happy to settle at £2000 if i could. I just want to move on ive been stuck with this debt for so long. Thank you
          Hi Col

          I get that you want rid and if it really is the right thing for you then do it BUT if you have responses to CCA requests why not send them to Niddy and see if he thinks they are enforceable.

          The thing is, I suspect that if you are still paying or have only recently stopped then the DCA might just think of you as a nice income stream - you will be an asset - so they might not even accept 50% . I don't know as I am not in their head, my own is enough of a mess without looking at someone else's .

          Comment


          • #20
            Hi,

            Thank you. Who is Niddy please? I went it all to Diane but there was 80 pages in total so I dont expect anyone to take time to look at things for free.

            Thank you

            Comment


            • #21
              send un-redacted copys of all CCAs to webmaster@all-about-debt.co.uk for checking to see if enforceable or not that is (Niddy)
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • #22
                so many so called you owe us companies fail in court as they are not entitled to monies from people like you, so why pay them???:- when they know you are being cashed cowed!??? has happened to many who regret not follow advice! if I sent an invoice to you for £5000 would you pay it to me?? a stranger who has stated you owe me monies???
                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • #23
                  Thank you I will send them to the webmaster email shortly. Much appreciated

                  Comment


                  • #24
                    Hi, info sent to the moderator email. Thank you

                    Comment


                    • #25
                      Hi Col

                      Just thought I would add, you might want to change the name of one of your accounts because I suspect it might tell the world where you live - used to live a few miles from there myself (left more years ago than I care to admit).

                      Although the enforceability or not of a CCA request is a very good place to start it is not the be all and end all. I have had debts with supposedly compliant CCA replies closed and while another issued a claim if was defeated in court because there was no Default Notice. I had two RBS debts who sent me compliant CCA requests but when they were sold to Cabot, well I sent CCA requests to Cabot and they couldn't produce so closed the accounts.

                      It is not always advisable to send new CCA requests but, I knew mine were coming up to be SB and I hoped, by sending a new request it would slow them down.

                      Admittedly most of my debts were quite old but out of more than 20 debts, one of them being £15000, only 1 went to court and they lost. I considered all sorts of options - and I do mean all sorts, glad I didn't and am now home free with more available credit than I know what to do with ( I bought myself a lovely new laptop on interest free credit- I have a guaranteed steady income that will last until after the laptop is paid for).

                      What I am basically saying is that there is a lot more to unenforceable credit agreements than just the CCA.

                      I do stand by what I said before, do what is right for you but do think before you make a decision.

                      Comment


                      • #26
                        Originally posted by Warwick65 View Post
                        Hi Col

                        Just thought I would add, you might want to change the name of one of your accounts because I suspect it might tell the world where you live - used to live a few miles from there myself (left more years ago than I care to admit).

                        Although the enforceability or not of a CCA request is a very good place to start it is not the be all and end all. I have had debts with supposedly compliant CCA replies closed and while another issued a claim if was defeated in court because there was no Default Notice. I had two RBS debts who sent me compliant CCA requests but when they were sold to Cabot, well I sent CCA requests to Cabot and they couldn't produce so closed the accounts.

                        It is not always advisable to send new CCA requests but, I knew mine were coming up to be SB and I hoped, by sending a new request it would slow them down.

                        Admittedly most of my debts were quite old but out of more than 20 debts, one of them being £15000, only 1 went to court and they lost. I considered all sorts of options - and I do mean all sorts, glad I didn't and am now home free with more available credit than I know what to do with ( I bought myself a lovely new laptop on interest free credit- I have a guaranteed steady income that will last until after the laptop is paid for).

                        What I am basically saying is that there is a lot more to unenforceable credit agreements than just the CCA.

                        I do stand by what I said before, do what is right for you but do think before you make a decision.

                        Hi,

                        Thank you, i am not sure what you mean about the world knowing where i am from? maybe its me not seeing something. I have sent the info to the Tech Clerk i will see what happens and keep rolling. Support much appreciated

                        Comment


                        • #27
                          Originally posted by col81 View Post
                          i am not sure what you mean about the world knowing where i am from? maybe its me not seeing something.

                          It's about protecting your identity in case a creditor, debt purchaser or solicitors see something - so I've removed the name of the town from your original post #9 in reference to Debt 1.

                          Di
                          Legal Disclaimer

                          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                          Comment


                          • #28
                            Originally posted by col81 View Post
                            I have sent the info to the Tech Clerk i will see what happens and keep rolling. Support much appreciated

                            Credit agreements should be emailed to Never-In-Doubt (the forum owner) using webmaster@all-about-debt.co.uk

                            Put your username in the Subject bar and add a link to this thread in your email.

                            Di
                            Legal Disclaimer

                            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                            Comment


                            • #29
                              Originally posted by Diana Mayhew View Post


                              Credit agreements should be emailed to Never-In-Doubt (the forum owner) using webmaster@all-about-debt.co.uk

                              Put your username in the Subject bar and add a link to this thread in your email.

                              Di
                              as item in 21 above:- he mean Niddy? as nothing to me!
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

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