DCA admit no signed credit agreement

rog2

Tootsie_Roll wrote: »

True to form - here you are:rotfl:

To RAYDAY and ANY other genuine DFW Poster,

Please follow the good advice given by those of us who, genuinely, wish to help you.
The poster known as Tootsie Roll has, already been expelled from two respected 'Debt Counselling Forums' because of his misleading and inaccurate posts, which are, often, little more than an attempt to promote the interests of the sub-culture of the debt-collection Industry, to which he claims allegiance when it suits his cause.
Do NOT, please, be mislead by anything that he posts - hopefully it will only be a matter of time before his attitude leads to him being expelled from MSE.

nottoolate

the admin of one of the other forums plumduff had this to say about the troll a while ago

plumduff-2 wrote: »

Tootsie Roll, you trying your hardest to get banned from ANOTHER debt help forum.. My god, your rollof honour so far is:

DHUK
Debt Questions

Only a matter of time before you also get banned from MSE...!

Well heres hoping its sooner rather than later.. xxx

itsnever2lateisit?

Tootsie_Roll wrote: »

Please get some perspective - you can write what you like about me, it is water off a ducks back. It is truly tragic though when an important message gets lost amongst the bickering from all of the usual suspects. The only advice I have given to the OP is to get advice from someone who really knows what they are talking about - not a bunch of losers who have largely failed in their attempts to sort out their finances.

Harsh and rude IMHO

rog2

rizla_king wrote: »

Does anyone know if payplan are any good? They aren't in the sites list of non-profit councillors?

They aren't strictly a charity, but there are many posters here who will testify to their excellent standards of help and advice.

rayday2

Sorry only bumped this again to thank Fermi for his pm I tried to reply but couldn't and didnt want his/her kindness going without thanks!

So thank you and others have suggested too that I try the consumer board and I posted there today - not sent any letters yet so fingers crossed I find the right thing to say!

many thanks!

rayday2

GeorgeUK wrote: »

Doh!! - did a response to this and forgot to hit submit :rolleyes:
Anyway - here it is.

Rayday, can you tell us when the letters were sent so we can see if they have yet made a CRIMINAL offence?

If you want to read the entire Consumer credit act 1974 - http://www.statutelaw.gov.uk/LegResults.aspx?LegType=All+Primary&PageNumber=53&NavFrom=2&activeTextDocId=436428 (I don't :laugh:)
Section 78 http://www.statutelaw.gov.uk/content.aspx?LegType=All+Primary&PageNumber=53&NavFrom=2&parentActiveTextDocId=436428&ActiveTextDocId=436525&filesize=5756 parts 1 & 6 seem to be key here. You have paid your £1 as required but they are still trying to enforce the agreement.

If the timeline is appropriate, i would suggest contacting the OFT. IJ & Irwin both seem to be in breach of the act for trying to enforce the alleged agreement.

Letter from Intrum saying not going to hear from them again being returned to Great Universal (originally it was abound but think companies have merged) was dated 14 November

Solicitor letter was dated 22 or 21 November giving me 7 days to pay Intrum and contact Intrum no solicitor contact details on there at all!

rayday2

rizla_king wrote: »

Ha Ha.

I just realise the name is Tootsie Roll = TRoll.

Explains the rubbish advice.:rolleyes:

Does anyone know if payplan are any good? They aren't in the sites list of non-profit councillors?

There is a huge DMP Support Group thread with loads of experience of payplan, CCCS or going it alone, really friendly and able to answer all the questions that pop up and boost confidence - give them a visit!

GeorgeUK

Hi rayday - i actually meant when was the letter you sent to IJ requesting the CCA.

After 12 working days - the creditor is in default
(This means the debt is unenforcable without a court order while the default continues. If you are making payments, you can stop.)

After a further calender month (30 days) - they have committed an offence.
(But won't go to jail )
weller sent this letter, but you may need to alter it to suit
http://forums.moneysavingexpert.com/showpost.html?p=6582439&postcount=36

If this period has elapsed, report them to Trading Standards and OFT.

rayday2

OH doh! sorry I am a bit thick!

The date that was the 12 working days plus the 30 days was off the top of my head 8 November its basically been rolling on since September.

Thank you and sorry for being a pudding!

izzybusy23

fiveyearplan wrote: »

Sorry to hijack this thread but my husband has a payment arrangement with MBNA (£10,000 credit card debt) and I want him to send the letter asking for signed CCA but if they can produce it can he be made to pay the whole debt at once or will his agreement still stand?

Can somebody please answer this (it got lost in all the bickering) because I would like to know the answer to this!!!