1st Credit - (1st Credit Audit Team)

[outerspace79]

It was for a loan - No PPI and all the charges and interest rate are correct and on the agreement. With a correct and detailed breakdown.

 

What next Please?

[lilly white]

ok

 

if you belive that CCA IS ENFORSABLE, WE NEED TO LOOK AT YOUR WHAT

 

IS BEST FOR YOU.

 

IF IT WAS ME I WOULD DO A DEAL HOWEVER ONLY WHAT I CAN AFFORD

WORK OUT WHAT YOU CAN AFFORD, PER MONTH AND START TO PAY.

 

THEY MAY NOT LIKE IT BUT THATS THE WAY IT WORKS.

 

WRITE TO THEM TELL THE HOW HARD UP YOU ARE BLA BLA ETC OFFER TO PAY THEM £1 PER MONTH START LOW THEY WILL HATE IT I AM SURE YOU WILL SETTLE ON SOMTHING.

 

KEEP THE LETTER OPEN DO NOT CLOSE ANYTHING OFF

 

AT SOME STAGE YOU MAY THINK IT MIGHT BE BETTER TO GO TO COURT

 

As long as you are making efforts it should work out for

 

NEED ANY HELP JUST SHOUT

 

LILLY JUST ONE THING DID YOU GET A NOA FROM THE OC

[IdaInFife]

You can use the templates below and make up your own income and exp sheet with an offer of payment. include the first payment and make sure you make the payments to your timescale.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

letter c

 

ida x

[outerspace79]

Hi - I havent received a NOA from the OC - Will this make a difference, i CCA'd 1st credit and they came up with the goods so am assuming that they are ok to collect this?

 

Can i ask ask for the NOA and if so to who and how?

 

Thanks for advice given so far

[silverfox1961]

Morning,

 

Have a read of this page from the Law of Property Act 1925

 

Law of Property Act 1925 (c.20)

 

As I read it, a NOA has to be sent by recorded delivery as they would need to prove you got it if it ever went to court.

[outerspace79]

Well thanks for all your help guys - I have sent my letter of offer for monthly payment on what i can afford along with my budget sheet - They have sent me a letter back with a Standing Order as requested. They have set this for my payment amount i could afford therefore i shall be paying this debt - Even though its for the next 150+ months (lol)

 

Can anyone help if i have a default and the balance on my credit file does this ever drop off? As it will take me 10 years plus to pay this however was wondering once the 6 years is up for the default will this just disappear from my credit file along with the balance? (so technically there isnt any trace on the file?)

 

I'm happy to keep paying it but want it to go off my file as i may want to buy a house in future but if this stays on then there is no point in paying and maybe better just going bankrupt?

 

Whats anyone's thoughts on this please?

[lilly white]

Noa From The Oc

 

The Answer Is Yes If Not They Would Only Be Acting On Behalf Off The Oc,

[outerspace79]

I dont recall receiving any NOA therefore will that mean they are just acting on behalf of ?

 

If so then it should drop off after the 6 years which will be in 3 years time?