Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Are you a mug or a Mancunian?
by Killuminati Yesterday at 11:23 pm

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Yesterday at 8:02 pm

» What the hell is 'ableism'
by Phillpots Yesterday at 7:42 pm

» Lowell threatening me Again !!
by barnwebb Yesterday at 7:00 pm

» stupid thing
by projectzoo Yesterday at 2:41 pm

» 5G & Smart Meters
by daveiron Yesterday at 1:02 pm

» Dire Consequences Of Debt
by assassin Yesterday at 2:25 am

» Litter fines set to QUADRUPLE: Rubbish louts now face £150 on the spot penalty https://www.youtube.com/watch?v=olkdZeBWOhc
by Society of the Spectacle Tue Dec 11, 2018 7:17 pm

» Latest from CrimeBodge
by daveiron Tue Dec 11, 2018 5:19 pm

» Real Begging
by LionsShare Tue Dec 11, 2018 5:05 pm

» List of the lord lieutenants of the United Kingdom
by El E Mentary Tue Dec 11, 2018 4:24 pm

» Cookies Show and Related Topics.
by Society of the Spectacle Tue Dec 11, 2018 2:44 pm

» More Recycling
by assassin Tue Dec 11, 2018 3:39 am

» Stop The Debt Threat Letters
by Mrblue2017 Mon Dec 10, 2018 11:44 pm

» Brown all CAPS window letter with "Defendant" visible!
by waylander62 Mon Dec 10, 2018 10:21 pm

» Intrum Finance letter advice please.
by Ithesoul Mon Dec 10, 2018 9:32 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Dec 10, 2018 8:02 pm

» Robinson Way
by Killuminati Mon Dec 10, 2018 1:10 pm

» Dam funny
by assassin Mon Dec 10, 2018 2:17 am

» Funny Old World
by Phillpots Sat Dec 08, 2018 5:03 pm

» List of shrievalties
by Phillpots Sat Dec 08, 2018 5:01 pm

» Transcash - the death of
by LionsShare Sat Dec 08, 2018 3:45 pm

» 3 letter process
by Mrblue2017 Thu Dec 06, 2018 4:43 pm

» Warning To Site Members On Benefits
by assassin Thu Dec 06, 2018 2:13 am

» R.N.
by eargoggles Wed Dec 05, 2018 11:48 pm

» ceo of banks
by Mrblue2017 Wed Dec 05, 2018 8:25 pm

» Hiv talk ( lots of immune supporting info in this ) slides and 200 references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:25 pm

» Bladder cancer talk, slides with references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:23 pm

» Lung cancer talk, slides and references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:21 pm

» Prostate/ Prostate cancer talk, slides and references ( must watch ) with quoted research and links
by Theatchet Wed Dec 05, 2018 7:16 pm

» Breast cancer talk, slides and references for the talk, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:13 pm

» Alzheimers and Dementia Talk, with all the slides and references, with quoted research and links
by Theatchet Wed Dec 05, 2018 7:10 pm

» Durham Police Get Back What They Dish Out
by assassin Wed Dec 05, 2018 7:10 pm

» France Yellow Vests Gilet Juanes,
by Society of the Spectacle Wed Dec 05, 2018 3:59 pm

» Difficulty paying default loan
by Mrblue2017 Wed Dec 05, 2018 9:45 am

» An appeal from 'The armchair detective'
by assassin Wed Dec 05, 2018 1:51 am

» HMRC INCOME TAX
by LionsShare Tue Dec 04, 2018 8:24 pm

» remedy for P.C.N/COUNCIL TAX
by Keithatlm Tue Dec 04, 2018 6:03 pm

» Wildfires
by mitch Tue Dec 04, 2018 12:15 pm

» A New Turn
by assassin Mon Dec 03, 2018 1:25 am

» Drydens Fairfax
by Keithatlm Sun Dec 02, 2018 7:46 pm

» WARNING Don't Get Gas Lit By The Democracy's Of The World
by Lopsum Sun Dec 02, 2018 6:11 pm

» One less piece of detritus
by daveiron Sat Dec 01, 2018 9:50 pm

» Universal Maxims of Law
by Society of the Spectacle Sat Dec 01, 2018 9:31 pm

» E on Lowells advice
by ohthejoys Sat Dec 01, 2018 8:49 pm

» The full judgement of Lord Denning et al
by Kestrel Sat Dec 01, 2018 7:42 pm

» Getting copies of default notices
by Mrblue2017 Sat Dec 01, 2018 1:12 pm

Moon phases


3 letter system for DCAs (not debt purchasers) needed?

Go down

3 letter system for DCAs (not debt purchasers) needed?

Post by Mrblue2017 on Mon Sep 10, 2018 6:41 pm

Good afternoon all!

Just wondering, respectfully, what purpose the DCA 3 letter system serves given that DCAs (not original creditors / debt purchasers) have no legal standing / cannot start legal proceedings.

Thank you.


Mrblue2017
Not so newb
Not so newb

Posts : 74
Join date : 2017-06-11
Age : 53

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Mon Sep 10, 2018 7:07 pm

Hi Mr blue

They are there if you want them or ignore the DCA's its your choice.
Personally I always use them ,It then shows at least another 3 requests for documentation.
It also shows you have tried at every occasion to settle any lawful obligation.
avatar
daveiron
Admin
Admin

Posts : 1341
Join date : 2017-01-17

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Mrblue2017 on Mon Sep 10, 2018 8:37 pm

Many thanks Daveiron, sound advice as always :-)

Mrblue2017
Not so newb
Not so newb

Posts : 74
Join date : 2017-06-11
Age : 53

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Swan on Wed Sep 12, 2018 8:38 am

Good morning, I have a question about this line in the first of the 3 letters to DCAs:

"I now require that you provide the documentation that xxx(OC) has been unable or unwilling to
provide to establish their proof of claim."

That seems to imply that you have already tried to get this info from the OC. What if you haven't done this? (As I haven't in my case).




Swan
Not so newb
Not so newb

Posts : 19
Join date : 2018-09-10

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Wed Sep 12, 2018 9:14 am

Hi swan,

I presume this is not a debt purchaser.

Just delete that line if it does not apply. Also I would start the 3 letters with the OC as well.
avatar
daveiron
Admin
Admin

Posts : 1341
Join date : 2017-01-17

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Swan on Wed Sep 12, 2018 10:48 am

Hi daveiron,

No, this is a DCA acting for Santander. Thing is, Santander acquired the 'debt' or inherited the 'debt' from the original OC when they took them over. So I'm really not sure who to contact at Santander either, although I do have the account ref. nos. in the DCA letter. However I can't find any letters where Santander have written to me about this. The 'debts' are about 14 years old, I have detailed the situation in the thread titled Drydens Fairfax.

Swan
Not so newb
Not so newb

Posts : 19
Join date : 2018-09-10

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Kestrel on Wed Sep 12, 2018 7:08 pm

@Swan wrote:Hi daveiron,
The 'debts' are about 14 years old, I have detailed the situation in the thread titled Drydens Fairfax.

If 14 years old & no CCJ registered then they are statute barred.

Kestrel
Very helpful
Very helpful

Posts : 267
Join date : 2017-08-27

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Wed Sep 12, 2018 7:50 pm

14 years old ?

Ok ,a few questions,

1.When did you last make a payment ?
2. What were the debts for (credit card -loan etc)
3.Do you have a default notice ?
As much info as possible please without personal details.
avatar
daveiron
Admin
Admin

Posts : 1341
Join date : 2017-01-17

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Swan on Wed Sep 12, 2018 9:22 pm

Hi daveiron,

Okay, there are two debts - one for a credit card and one for a loan, with the same company who are no longer trading (got taken over by Santander). I was paying £1 a month token payment to each debt to a different DCA. They are no longer dealing with it and have passed it on to a new DCA. I did have a default notice way back when.

I had a whole series of debts accumulated early 2000s, some I still pay £1 a month towards (I was advised to do this at the time so that's why I did it, I had no idea about the 3 letter process and everything else then). When I discovered the get out of debt free forum several years ago I decided to apply the 3 letter process with one co. who had bought that particular debt and I was successful in writing it off. The rest have just been ticking along until this happened. Since I was informed of the new DCA I have not done anything, just ignored their letters so far.

These particular debts in question were with an internet based bank, and I never signed for either of them. As far as I understand, that fact alone makes them unenforceable under the 1974 CCA.

Any advice as to my next steps much appreciated.






Swan
Not so newb
Not so newb

Posts : 19
Join date : 2018-09-10

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by daveiron on Thu Sep 13, 2018 9:20 am

Hi swan,

I have posted in the Drydens Fairfax thread. If you could do the same it keeps things tidy and easy to find.

cheers dave
avatar
daveiron
Admin
Admin

Posts : 1341
Join date : 2017-01-17

Back to top Go down

Re: 3 letter system for DCAs (not debt purchasers) needed?

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum