Mother been Paying DCA's through Stepchange £400pcm for +8yrs - still £9k to pay - Best way to make F&F offers?

[dx100uk]

great news on Cap1, well done.

it cant comeback as its already been removed as the DN was +6yrs old.

 

as for link 

no never ever speak on the phone to anyone regarding any debt...they will lie and harass people always.

 

why not send Link a copy of that cap1 letter and say to them they are the only debt owner to continue to demand continued payment and would they please think hard again regarding the status of her sever financial hardship.

 

dx

 

 

 

[techno20]

Great idea. How about something like this with a print out of the letter. Should be black out the amount / reference number on the cap1 letter?:

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

Further to my recent letter, I continue to experience extreme financial hardship. I enclose an example of how the other debt owners have responded. 

 

You are the only debt owner to continue to demand continued payment.

 

Please can you think hard again regarding the status of my debt given my severe financial hardship and illness?

 

My continued high debt level may have a serious effect on my physical and mental wellbeing. I would therefore be grateful if you would seriously consider this request for the debt to be written off.

 

I would appreciate any help you can offer me right now.

 

Yours faithfully,

[dx100uk]

Cant hurt but knowing link they are thinking that youve no other debt now so pay us....wirh all the spare you now have

[techno20]

Yes, you're right, perhaps I'll leave it then?

 

 

[dx100uk]

Cant hurt either.

 

Dx

[techno20]

Today is the day we would normally pay Link the £5. Should we send £5 as normal, to send £1 or to send nothing?

 

We have had mixed communications from Link.

 

Still no response to the debt in the name of my Mother

No further response to the debt in my Dad's name that they had the CCA for

We have received a response for a debt in my Dad's name that they don't have a CCA for, in effect saying the account is on hold for 30 days as they are awaiting documents from us.

 

What should we do?

[dx100uk]

nothing.

 

dx

 

[techno20]

Hi DX,

 

My Mum received the following text message from Link today regarding the account they have CCA for:

 

Hello, it's Link. We need to speak with you regarding your account. Please click https://ems.ese.pm/Link to access your account and make a payment, or call our 24/7 IVR payment line on 01332921590. Alternatively please call us on 02920 858711 speak to a member of our team quoting reference XXXXX

 

Should we ignore?

 

Also, got the following from IDEM, a DCA without a CCA. Should we also ignore?

 

Hello X, please call Idem Servicing on  0800 046 5911 reference XXXXX. This is important and not a sales/marketing message.

 

Is it worth shooting off a 'prove the debt' type letter to IDEM or should just ignore totally?

Edited August 23, 2021 by techno20

[The GodMother]

Block the number from texting and ignore in writing only. 

[dx100uk]

you should be ignoring routinely blocking bouncing and reporting as spam ALL emails/texts/call from anyone.

 

yours on each case is NOT the next move

NEVER enter into pointless letter tennis with ANY DCA.

 

we are now over 100 posts in ....you should already know all this and it should be 2nd nature now.

 

 

[The GodMother]

As Dx said. 

 

This is a a sales call as they want your money 

[techno20]

Thanks both.

 

You're right Dx, although I'm a little unclear when action will be required on debts link have produced the CCA for as we have stopped paying. I guess if they threaten court action?

 

The plan right now is to wait another couple of months without paying and see if they agree to write off the debt. If not, fire a low F&F settlement offer towards the end of the year.

[dx100uk]

yep just dont ever ignore a letter of claim if one ever comes for any 'debt'.

[techno20]

Brilliant, thanks dx.

[techno20]

Hello,

 

Firstly, thanks again for all the help. We have not made a monthly payment to Link for the accounts they have produced a CCA for since July, we've received emails and texts to get in touch, but we've ignored correspondence and blocked numbers.

 

I have two questions:

 

1. My parents are looking to remortgage the house and have been asked by mortgage provides about their expenditure, debts etc… would you mention all the outstanding debts, only the ones that have produced CCAs or none since we are not repaying anything atm?

 

2. Should we now make Link a very low F&F settlement offer for the debts they have produced a CCA for after 4 month of not paying or wait a couple of months longer and continue paying nothing?

 

 

[dx100uk]

1.are the debts showing on their credit file?

 

2. i would hold all payments , even those the link have a poss enforceable cca for. see where they go, you can always resume those that need them if they get nasty. as for F&F's again id let sleeping dogs lie.

yours is not the next move on anything.

[techno20]

Thanks dx.

 

1. I've checked Experian, Equifax and TransUnion, and they don't show up on any. All debts were defaulted on in 2013. Should we not mention them?

 

2. Ok great. Is it only a letter of claim that we should be looking for in terms of 'get nasty'?

 

 

[dx100uk]

if debts do not show on credit files then neither will a mortgage co be able to see them. radio silence time!

 

2. or ofcourse a court claimform pack from northants bulk, but under the pre action protocol a debt owner should not be trying a court claim without entering into the PAP and issuing a letter of claim 1st....but this is link we are talking about here, the lengths they go to try and scam debtors has been renound for almost +40yrs.

[techno20]

Hi dx,

 

Hope you're well. Happy New Year.

 

We have received the attached from Idem Services (No CCA), who appear to have given up and are selling to Wescot Credit Services. 

 

Do we file away and then request the CCA from Wescot again once they get in touch?

 

Thanks again for all your help on this. You've really helped my parents get their finances back under control.

Idem_Finances_Letter-compressed(1).pdf

[dx100uk]

Wetcloths dont buy debts.

[techno20]

Look to be part of Cabot -

Wescot

WWW.CABOTCM.COM

---

Wescot is a Debt Collection Agency and we’re authorised and regulated by the Financial Conduct Authority.

 

So we should ignore?

 

[dx100uk]

Wetclths dont buy debts only chase for their stated client.

 

Dx

[techno20]

Ah sorry, I misunderstood. Ok, so continue to ignore basically?

[dx100uk]

what can a dca do to you?

and what can a DCA that does even own the debt do even less.

 

you ignore everyone until or unless you ever get a letter of claim with a reply pack.

 

please get reading up there are 1000's of threads here for you to read.

Debt Management Plan Companies - Consumer Action Group

 

 

dx