Unenforceability & Template Letters II

leemuddywaters

never-in-doubt wrote: »

already answered you mate - go back a page! ( #231 )

C**p, need my eyesight looking at, would you send the CCA to both the Settled cap one and also the DCA looking after the egg?

never-in-doubt

terimon wrote: »

I have to say NID you have the patience of an angel .

And thats just answering my silly questions :mad:.

We need to organise a money savings p1ss up where we can meet up and talk CCA bashing

I'm up for that! Leeds anyone? lol :beer: :beer: :beer:

Not due in London til May 2010 :mad: I miss it already!

never-in-doubt

leemuddywaters wrote: »

C**p, need my eyesight looking at, would you send the CCA to both the Settled cap one and also the DCA looking after the egg?

You send it to whoever owns the debt (whoever added the default)....

leemuddywaters

never-in-doubt wrote: »

You send it to whoever owns the debt (whoever added the default)....

Thanks, was considering going in with an offer to the DCA for 50% in exchange they remove the default, have you heard any success stories from this?

never-in-doubt

leemuddywaters wrote: »

Thanks, was considering going in with an offer to the DCA for 50% in exchange they remove the default, have you heard any success stories from this?

Start at 20% and work up in 5% increments to a maximum of 40% afterwhich, forget it. Bear in mind only DCA's will take reduced F&F settlements - the lender will refuse (usually)...

Yes, had a few defaults removed doing this process - usually it is mobile phones though...

Letter here: Default Removal - Offer of F&F Settlement

:beer:

terimon

never-in-doubt wrote: »

I'm up for that! Leeds anyone? lol :beer: :beer: :beer:

Not due in London til May 2010 :mad: I miss it already!

I missed London while living in Ormskirk. Although its not much fun back in London with no money and back with parents!

never-in-doubt

terimon wrote: »

I missed London while living in Ormskirk. Although its not much fun back in London with no money and back with parents!

LOL, mate if I lived 15 minutes from Liverpool i'd miss London haha

How old/young are you?

leemuddywaters

never-in-doubt wrote: »

Start at 20% and work up in 5% increments to a maximum of 40% afterwhich, forget it. Bear in mind only DCA's will take reduced F&F settlements - the lender will refuse (usually)...

Yes, had a few defaults removed doing this process - usually it is mobile phones though...

Letter here: Default Removal - Offer of F&F Settlement

:beer:

The DCA contacted me this morning offering a settlement figure of £3000, the balance is £3570.

moo_cow

thanks NID, that's perfect. Do you think this good news for me? They've had so much out of me and I certainly don't owe what they are trying to get out of me.

terimon

36 years old. And this is the worst situation i have ever been in since i was 18. I was even better off when i was at Uni