Been Blindly paying various DCA's for years - Cabot/Mortimer - Old tesco card debt - wont accept token payment - threatening legal action amongst others...

[dx100uk]

we dont allow any help privately as it helps no-one bar you.

how would you have known to post here if we did everything privately...there would be no threads...

whats the debt all about please

tell use about the debt.

whos the Original Creditor 

what type of credit

when did you take it out

when did you last use or pay it.

who owns the debt now.

 

one last point...NEVER EVER EVER RING A DCA

they will lie and CHEAT you out of money

they are NOT BAILIFFS

and have

ZERO legal powers on ANY DEBT - no matter what it's type

dx

 

[dx100uk]

as i said 

no dca nor their solicitors have any legal powers.

you have exactly the same legal powers as they do.

stop being a DCA scaredi cat.

have you moved since taking this debt out and not told tesco's before the sale of the debt nor cabot/mortimer since?

dx 

 

[dx100uk]

just stop all payments to any DCA end off.

then await to see if you get a letter of claim

if you do 

then comeback here.

until then do NOT send them anything, speak on the phone, respond to texts, phone calls or emails. - ignore everyone totally

as long as YOU have written to everyone you have been blindly paying and running the statute barred date of each of your debts into infinity by blindly being a cash cow, you have no worries.

ive move you to the debt self help forum

i suggest you spend the next several days 

you dont need proof they have zero legal powers - you READ THREADS.

Debt management and Debt self-help - Consumer Action Group

clickme ^^     scroll down to threads ...get reading up!

 

 

[dx100uk]

read my last post please

dx

 

[dx100uk]

you need to read threads.

STOP ALL PAYMENTS.

make SURE you have Written to each DCA you (were) paying stating your current address.

IMHO do NOT send a CCa request UNTIL you get a Letter of claim on any Debt.

DON'T FIRE YOUR BULLETS YET....Stop payments - wait!!.

10'000 of people have done this.

 

you really really really need to READ THE THREADS I POINTED YOU TOO.

your health/mental/whatever is NOTHING to do with anything and is TOTALLY immaterial

they have ZERO CARE NOR MORALS - SO SHOULD YOU..THROW the morality card out the window.

 

stop being a scared DCA CASH COW.

 

dx

 

[dx100uk]

just type ellie no need to keep hitting quote

just make a thread twice as long and makes it difficult on small screen phones to find your reply.

just to be clear here, there is not really much legalise to understand really , the fact that a debt owner might not have any enforceable agreement or indeed any paperwork, doesn't remove their debt owners rights to send you letters or chase the debt,

the consumer credit agreement rules/guidelines simply state in E&W that without an enforceable agreement a debt owner cannot enforce any court judgement they might get, so they dont bother with court.

this is why im saying its my view (which is what forums are for - differing opinions/ advice)  is not to send out any CCA request till you get a letter of claim, which a debt owner must send under the pre-action protocol rules, before thinking about court.

as for what the original creditor gets, they get nothing once sold, anything you pay the debt owner goes straight into their free money to spend down the pub or to fund harassing 10'000 of other debtors like you.

the OC , once a debt is sold for 10p=£1, they get money via tax clawback and industry insurances . its part of their business model.

dx