Capquest/Drydens Letter of Claim - old Virgin/MBNA card

[Bazooka Boo]

If they failed to send you the CCA within the timescale, then there is nothing else to do, it's often NOT the best advice

to inform them that they haven't complied, as they will put extra effort in to finding one.

[Bazooka Boo]

after all my payments, such as they are, must have been going somewhere.

 

One would hope they have been credited to the accounts,

 

Straight into their profit pocket most likely!

 

It is deliberately designed to be this confusing, as the industry does all it can to exploit the debtors lack of knowledge.

 

The reason why they pass these accounts between themselves is because it keeps their industry alive, by the selling and buying of

accounts in huge portfolios costing millions, once one outfit has had their pound of flesh out of you,

they will flog on the remainder to another outfit in another portfolio, who will take what they want, before flogging it on again, and so the merry go round

continues!

 

Your job is to demand the necessary documents (CCA etc) in order to ensure they have a legal right to be demanding money from you.

Then the SAR to find the true amount of the debt, disregarding the fees/charges so you have a true figure, not one

the OC or the powerless DCA has plucked from thin air to con out of you.

 

Most if not all, of these DCA's are pushing their PULHEEMS...

[Bazooka Boo]

They will undoubtedly spit their dummies out......but like petulant children if you ignore them long enough they go quiet!