Removal of 3rd Party (DCA) Defaults

fevlo

the_worm_that_turned wrote: »

I will admit that my initial approach (the offer came much later) was not brilliantly thought through. I wanted to establish the validity of the alleged debt (as millions of people have) via a CCA Request. IMO I highlighted flaws in the initial agreement and queried them with the bank. They didn't want to know even after I put the account into dispute following their failure to act. They are just as much to blame as I. They were, and remain to be, extremely rude, threatening and ruthless.

I think all on here know that the banks aren't a compassionate bunch. So don't jump on me for trying to do the best for me and my family.

In 2008/9 the Government turned over close to a trillion pounds of tax payers money to the banks without consulting a single voter. Don't ever forget that. All parties agreed to it so Labour cannot be solely blamed.

This country is in debt to the tune of over a trillion pounds apparently (to who I am not sure!). The country is in debt and doing very little about it. So don't ever side with the banks and attack a living breathing man or woman over them.

We come first ALWAYS. It is me that has mouths to feed, children to school and clothe etc etc. Never forget that when you are getting angry at me for challenging the banks!

My post was not menat to come across as attacking you, infact in some ways I admire your tenacity to go about it the way you did. Im sure the banks and DCA's alike would have a much harder time collecting on overdue accounts and wouldnt be so heavy handed with their collection techniques if we all did what you have done.

I just wanted to put my point across that IMO the method employed with the offer was not the best and the same outcome could have been achived by other methods with you holding all the relavant armour to challange any transfer of the remainig debt.

Talking from experance here, (and as you can see from my sig, I have been less than good with money) having everything confirned in writing is worth its weight in gold.
Without that piece of paper I would have thaught you would struggle getting any bank or DCA to accept that your Offer formed a contract unless your willing to let it go to court.

the_worm_that_turned

meer53 wrote: »

Fear of what exactly ?

You do know it's against the T & C's of your account to issue post dated cheques ? Were they ? If not, why did you send 5 cheques ?

I still think you're bonkers.

Ha ha. Maybe I am

As for the cheques, they weren't post dated, they were sent monthly.

the_worm_that_turned

fevlo wrote: »

My post was not menat to come across as attacking you, infact in some ways I admire your tenacity to go about it the way you did. Im sure the banks and DCA's alike would have a much harder time collecting on overdue accounts and wouldnt be so heavy handed with their collection techniques if we all did what you have done.

I just wanted to put my point across that IMO the method employed with the offer was not the best and the same outcome could have been achived by other methods with you holding all the relavant armour to challange any transfer of the remainig debt.

Talking from experance here, (and as you can see from my sig, I have been less than good with money) having everything confirned in writing is worth its weight in gold.
Without that piece of paper I would have thaught you would struggle getting any bank or DCA to accept that your Offer formed a contract unless your willing to let it go to court.

I accept that a letter stating that the offer was accepted and the debt is settled would be nice but too late for that now. Must look forward.

The bank has today confirmed that they do not consider that the payments were in full and final settlement but they would wouldn't they, otherwise they would be admitting fraud. I may take them to court for this as well as to the ombudsman.

As for the DCA, I can continue to RTS their letters as until it is proven I do not accept that a contract exists between us, or I could take them on for a battle. Default would naturally drop off in 2017. And for the amount in question I am surprised they haven't taken me to court if they believed in their case so much - 17 months since they purchased the settled account