1st Credit - Will not accept a repayment

stapeley

That's good keep every thing. I think Judges are getting fed up with dealing with SD from these parasites. The fact they are refusing payment arrangements would back fire on them . I would just start sending payments, that you can afford , keep reciepts . In the meantime a request for a notice of assignment will shown if they bought the debt or are acting for someone . Request the CCA at the same time .

pepe2008

[quote=Jesthar;15828047

And as pepe pointed out, checques have signatures on them, which isn't always a good thing to let these people have...

I am confused, though - why on earth would these parasites refuse any money offered to them? Isn't that what they want?

~Jes [/quote]

Nope!
They want full payment and they will exhaust all possibilities first.
Expect Statutory Demand but they probably wont take it any further without min 50% equity in house as its v expensive for them to do so.
They suggest you giving them a Voluntary Charging Order onyour home in exchange for setting aside a SD...see above re equity!
A collapsed proprty market is good news for some of us!!

Take 'proper' advice ie NDL, CAB etc

Keep offering payments. Dont ever 'phone them. E-mail is good as their system auto-replies.

zzsarahzz

That's good news - we only have about £20K Equity on a £155K mortgage MAX.

Will do as suggested - ask for Notice of Assignment, CCA & send a £10 postal Order by Recorded Delivery.

pepe2008

zzsarahzz wrote: »

That's good news - we only have about £20K Equity on a £155K mortgage MAX.

Will do as suggested - ask for Notice of Assignment, CCA & send a £10 postal Order by Recorded Delivery.

Save £9!!! its £1 for a CCA request. £10 for a Subject Data request , info held under the DTA Protection Act.

zzsarahzz

This is what I was proposing to send:

Re:− Account/Reference Number

With reference to the above, I would be grateful if you would send me a copy of this credit agreement, statement of account and notice of assignment.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £10 which represents the fee payable under the Consumer Credit Act of £1 and £9 as way of a payment.

As you have refused to consider a repayment plan I will continue to pay you approx. £10 per month via Postal Order so that should this case come to court they can see that I am in fact trying to resolve this matter. I have asked for your bank details in the past on several occasions but you have not given these to me.

I understand a copy of my credit agreement should be supplied within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you.

pepe2008

In that case send them £1 AND £10.
Otherwise they could claim that you were £1 short in November....Yes they are that petty and nasty and evil and greedy and vile and parasitic and slimy and and and and:D

zzsarahzz

Good plan

zzsarahzz

pepe2008 wrote: »

Why did first DCA send it back to Abbey? Becaure I missed a payment

Have you thought about using a fee-free dmp? Was with CCCS a couple of years ago but couldn't live on what I was left with.

Dont forget your £1 PO with CCA request....NOT CHEQUE! it has a signature.

I may consider a dmp again though. Saves all the stress.

pepe2008

Gives your story 'validation' also.

Good luck with it sarah.

zzsarahzz

Thank you