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Idem/Hoist now Lowells - old hbos Card debt - errors/incompetence


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what was the credit type?

 

why are/have you been blindly paying a DCA esp for +6yrs on a debt that you'd never questioned the enforceability on by sending a CCA request - well done eventually! -

, now ignore then till they comply

 

they are NOT BAILIFFS and have ZERO legal powers on ANY DEBT.

 

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to Idem now Hoist Finance old hbos debt - errors/incompetence

Throw the morality card out the window...they do  .

 

You should have sent that CCA years ago.

 

All you have been doing is you've been a nice DCA cash cow for god knows how many years, running the sb date to infinity.

 

Can't comeback on your file defaulted more than 6yrs ago .

 

 

 

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Failed 12+2 working days limit 

Stop paying!!

 

Until or unless they reply with enforceable paperwork I doubt they'll go anywhere near a court room door 

 

Plus they have to abide by the pre action protocol 1st and send a letter of claim.

 

Well done another cash cow removed from the DCA milking parlour.

 

Dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No chance, its from 1999

 

Dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

That's hoist UK (now part of Lowell) for you 

 

Bye bye debt ...  . 

 

Dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Not quite 

Probably quite true that Lloyds have become the original creditors 

 

Lloyds, tsb, hbos, RBS, all inter merged and then split and remerged in many diff ways since 1999.

 

It's a real shame you got scammed into paying £50pcm for +6yrs to idem...never mind you are wise of dca's now 

 

Dx

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

they do.

try anything to get you to respond.

 

they'll know the history from day one.

 

idem got you cash cowing nicely and thought they'd dump you before you found out and sold it to hoist, here you have a bit of free money, this mugs paid for +6yrs never once questioning anything.

 

ironic thing is hoist UK are now part of Lowells.

 

dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Probably t&C's with your name at the start for time of take out and an application form missing most of the prescribed terms?

 

Scan everything up minus any statements to one pdf 

Read upload

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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from page 2 fwd, there are pages missing .

 

we need right thru to para 18 and beyond and the sig page on that agreement

 

page 1 is just an application form.

 

you dont get a default notice in a reply to a CCA request.

 

dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

no signature box then, no dates either, adn an old application form that is not compliant to CCA.

 

bogroll.

 

hoist, you are going to have to raid your filing cabinet a bit deeper to fool us and a judge that that lot is anywhere near enforceable.

 

dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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you need to read a good few lloyds, hbos, tsb threads etc,

 

dx

 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

On 21/08/2022 at 12:55, dx100uk said:

they have to abide by the pre action protocol 1st and send a letter of claim.

 

Well done another cash cow removed from the DCA milking parlour.

 

Dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 8 months later...

no lowells have bought out HoistUK so simply now own all their speculative debts.

they have to abide by the pre action protocol 1st and send a letter of claim.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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