Dealing with DCA's

[timdog]

Re: Dealing with DCA's

Hi Ladies and Gents

Firstly thanks for all your help so far - I wanted to update on the above - I was the last to post on this thread - my response prior to this was adapted from a template (following your kind advice labman) - and also I have photographed their response.

I am a little confused - the last bit seems like a threat not to mess with them - what are your thoughts guys - should I do anything else or just leave it alone now - they also are still maintaining that I should pay them the money "I owe"

Any feedback greatfully received as always!

Regards - TimDog

[CleverClogs]

Re: Dealing with DCA's

File it away and keep it safely, as it really means that Moneyway (more properly, Secure Trust Bank plc - link) cannot even cobble together a reconstituted "twue copy" of the agreement, let alone produce an exact copy or a photographic image of the agreement. The delay may thus continue until the universe curves back on itself and disappears up its own existence, or until Crapbot assigns the alleged debt to another wunch of bankers.

[spyder]

Re: Dealing with DCA's

Really impressed with the advice in this thread, well done Ben.

I have very little knowledge of the intricacies of the CCA for forgive the question; Do these letter templates and advice still apply even now? I have a debt from 07/08 and am now being bombarded with letters from a DCA with no proof as yet.....

Regards

[curlew430]

Re: Dealing with DCA's

This website is fantastic thanks for all your advice curlyben and others its been that long i dare say you have forgot about my case . Well barclays passed it on that many times and finally to mkdp, they took it to court without having decency to tell me when hearing was. Well its been thrown out i sent them that many of your letters in the order you set out i think you finally tied them in knots ... Thank you so much i dare say mkdp are as mad as a wet hen, maybe they should take there advice from legal beagles

[Happyshopping]

Re: Dealing with DCA's

Hi

I found this forum and sent the original 'prove it' letter and had a really vague response I think.

The OC sent to the DCA re-constituted copy of the credit agreement which was a blank copy of the terms and and conditions and the cancellation rights. How does this prove anything? The DCA then says the the account has been terminated with Barclaycard and the full balance of £15,574 is the current outstanding balance and is due and needs to be paid in full.

What at do I do now? Heeeeelp

S

[Kati]

Re: Dealing with DCA's

Hi

I found this forum and sent the original 'prove it' letter and had a really vague response I think.

The OC sent to the DCA re-constituted copy of the credit agreement which was a blank copy of the terms and and conditions and the cancellation rights. How does this prove anything? The DCA then says the the account has been terminated with Barclaycard and the full balance of £15,574 is the current outstanding balance and is due and needs to be paid in full.

What at do I do now? Heeeeelp

S

Hi ... welcome to LB
If you start your own thread and put up everything that's happened, I'm sure you'll get lots of advice from the Beagles

[Lutherwindsor1989]

Re: Dealing with DCA's

Lowell still not sent stament of account or credit agreement after cca req says they don,t have to send it notice of assignment is enough. So far account number wrong Capitol one say wrong acc number and no record of me. Wrong last payment date , wrong default date, did not ever get one from Capitol one. Only ever spoke to and dealt with Lowell regarding vanquis card, but they had my account details, big mistake vanquis paid they have used account detail to reset clock for cap one card 2002