me & the OH's debt

[spidey41]

the award for the most made up noa's is

 

CABOT

[lickthewallfatboy]

apparently CS "cannot trace my letter in response" to their threatogram

 

keep looking guys.....you'll find it somewhere I'm sure!!

[lickthewallfatboy]

will they lose their licence if it remains unpaid?

 

I was reading over on MSE and someone seemed to be suggesting that the OFT had implied that this would be the case

 

any ideas?

[babybear39]

I don't know but they should IMO

 

Nadolig Llawen a Blwyddyn Newydd Dda

[Pinky69]

There was a thread on here in the past listing about 6 or 7 DCAs that had CCJ's against them at that time and banks have had umpteen CCJs. A poster on here sent the Bailiffs into Cabot. They didn't lose their licences then but perhaps the OFt have found some teeth at last. We live in hope.

[lickthewallfatboy]

:lol:

 

just got a letter in from these idiots introducing "Debt Help Team" who want to help me make every effort to clear the account and want to discuss the matter in "a courteous and considerate manner" ROFLMAO

 

that'll be a first then!!

 

they've gone from "we're gonna haul your sorry ass through the court" to "we're gonna be Mr Nice Guy"

 

 

if no-one has managed to come up with a CCA in over 2 years,going on for 3,then it's a fair bet that this "customer" won't be talking to Debt Help Team after all!!

[ScarletPimpernel]

Interesting that they are effectively acknowledging the dire reputation that they, like the rest of their industry, has worked so hard to achieve to date.

 

Maybe we should introduce the CAG Compliance Help Team - helping DCAs to stick to their legal and regulatory obligations.

[Blondmusic]

My boyfriend got one of those letters from the Debt Help Team too. I have a copy of it filed away. I couldnt stop laughing.

[lickthewallfatboy]

are these 2 sets of leeches in any way officially connected?

[Hardupnotfedup]

LOOk at the thread equidebt by delta-charlie-76 sorry cant work out how to post link

[lickthewallfatboy]

it looks like one is the proxy for the other

 

interesting

 

Equidebt have now qualified as the newest member of my staff training scheme by trying to be clever-invoices on the way!!

 

idiots

[Delta-Charlie-76]

I don't believe the two are related, both companies are a pain in the tail end. I haven't had any letters/phone calls from these since the summer.....since I made a complaint to Consumer Direct etc.

 

If you're waiting for a CCA........good luck, lol!!!

[lickthewallfatboy]

are you sure Equidebt don't pass the crap on to Advantis?

 

I don't want to go into too much detail for obvious reasons,but it seems that way to me

[Delta-Charlie-76]

From my dealings with them, I CCA-d EquiDebt in March 09, they investigate (EquiDebt), Advantis start threatening then EquiDebt close their file & return to OC, then Advantis just carry on where EquiDebt left off.

 

Whether the two are linked in some way etc....nothing would surprise me with these two. I will bump up my EquiDebt threat for you.

 

DC

[Delta-Charlie-76]

Look at the EquiDebt Question thread. Hope this helps.

[lickthewallfatboy]

thanks

[lickthewallfatboy]

can someone please explain what constitutes unlawful recision?

[postggj]

breaching a contract with no lawful authority

[lickthewallfatboy]

I'm looking for the circumstances whereby an OC makes a total cockup of selling on a debt

 

What has to happen for them to mess it all up?

[foolishgirl]

How long is a piece of string?

 

It would help if you could say exactly how you think they've messed up LTWFB.

[lickthewallfatboy]

would zeroing an account and selling it on without a default notice count?

[postggj]

ime just shooting from the hip on this but i would say yes

 

 

you signed a contract

a contract is both parties

both parties would need to agree to change that contract

 

by terminating the contract and selling it on is recession of contract

 

 

Consumer Credit (Enforcement, Default and Termination Notices) Regulations 1983 (SI 1983/1561)

 

thats my opinion but i need to confirm it

 

 

[F_DCAs]

Alternatively, improperly issuing a default notice (not enough time given to rectify, specific format not followed, wrong amount cited), and subsequently terminating after that would also constitute unlawful recission.

 

The default notice is an important document, and any mistakes on the client's part can and often does complicate matters for them.

[lickthewallfatboy]

It was a case of no default notice and a debt zeroed and sold on to our friends at Cabot

[F_DCAs]

And you got a termination notice, but no default notice? That being the case, it would be a particularly foolish outfit that would instigate court action.

 

A termination notice issued without a default notice to precede it is a clear cut case of unlawful recission.