AIC, 1st Credit & DG Solicitors

nandj_2

At the time of writing this, I am feeling all lonely and depressed.
It's been 3 months now since I have had contact from any of the above DCA's (ok, DG is in-house HSBC).
I missed coming home from work to their threatograms asking me to phone them.
I have missed the threats of Court Action, Bailiffs, Home Visits & Attachment of Earnings, knew I forgot one, A Charging Order on my Council Bungalow lol :rotfl:
Please contact me, I am just waiting for one letter so I can CCA you and trash your agreements (that's if you still have one after these years).
NandJ

DarkConvict

You can CCA request them at anytime, and do it multiple times if you wish, that's your legal right.

nandj_2

Hi DarkConvict,
Thanks for your reply.
I already knew but just waiting for them to splash out on another letter, envelope and stamping frank.
Our credit ratings are shot to bits so don't care about waiting, we have as much chance of getting credit as we do seeing the queen in a !!!!!! film.
NandJ

DarkConvict

I see 3 of your debts are unenforceable already, the overdraft isn't covered by CCA so you will struggle to do anything with that.
Are you making any leeway into paying these back yet?

Deep_In_Debt

I love winding up the DCA's. 1st Credit hate me! Haven't heard from them in nearly a year and they've been accepting my payments even after threatening to repossess my mum's home (she lived in the US at the time and would cost them more in flights than I owe!), telling me I can go to prison, blah, blah, blah...

I'm tempted to ring them and harrass them like they did me but don't want to waste my money so I just leave them to fester...

I challenged them to carry out all their threats...never heard from them again.

I do miss the fun I had with them though so I know where you are coming from OP!

nandj_2

Hi DarkConvict,
An overdraft is a debtor creditor agreement as defined under section 8 and 13 of the CCA 1974 and is running account credit as defined in section 10.
When they say it is not CCA, what they mean is that there is part v exemption from the CCA but,
-they still need to show the contractual arrangement set up with 30 days of the o/d
-they still need a valid default notice
-they still need a termination notice.
As to us paying these back, after the way in which we were treated by these banks and DCA's, no way, as soon as we got into trouble (my wife fell and is now registered disabled and unable to work), we spoke to them and all they did was threaten us with letters and phone calls, HSBC and WFS refused a lower ammount and one DCA even wanted thousands within 48hrs so I am fighting them back now.
The post was originally meant to lighten the mood in the forum in which so many (including us) through no fault of their own have had their financial circumstances changed, not through greed but by misfortune.
Best wishes
NandJ