Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Drydens Fairfax
by Swan Today at 12:28 pm

» UK's problem debtors to get 60-day 'breathing space'
by handle Today at 10:17 am

» Making things clear - court claim
by flyingfish Today at 8:42 am

» Preserve Your Fruit
by Elizabeth1987 Today at 6:41 am

» Scottish Power and Face2Face
by memegirl777 Yesterday at 6:51 pm

» intrum advice please
by Hopesprings Yesterday at 5:37 pm

» Template letter to stop door step calls
by daveiron Yesterday at 4:46 pm

» Hmmmm
by Sharpysparky Yesterday at 10:53 am

» What do we think?
by Sharpysparky Yesterday at 10:02 am

» TGBMS
by LionsShare Yesterday at 9:36 am

» Lyn Thyer
by handle Mon Jun 17, 2019 9:19 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Jun 17, 2019 7:58 pm

» David Noakes & Caroline Stephens
by LionsShare Mon Jun 17, 2019 6:07 pm

» County Court Defence - What to expect?
by waylander62 Mon Jun 17, 2019 2:36 pm

» I have been contacted by Child maintenance service
by Evil Wolf Mon Jun 17, 2019 11:41 am

» Utility Template SAR
by Sharpysparky Mon Jun 17, 2019 11:03 am

» Endorsed a Joint Giro Slip To South West Water NEED HELP!
by Ian_the_freeman Sun Jun 16, 2019 7:24 pm

» Relentless Debt Buyer finally acquired docs almost 1 year after my 3 letters
by onak Sun Jun 16, 2019 2:06 am

» Latest from CrimeBodge
by assassin Sun Jun 16, 2019 12:58 am

» The Robin hoodie process
by LionsShare Sat Jun 15, 2019 1:56 pm

» searching on the site
by Lopsum Sat Jun 15, 2019 2:20 am

» private landlord...how does the eviction process work?
by scrwm Fri Jun 14, 2019 7:06 pm

» Solicitor's demand, wrongly addressed
by scrwm Fri Jun 14, 2019 6:53 pm

» help with wording
by Sharpysparky Fri Jun 14, 2019 10:57 am

» Bank Job , buy some debts, print some notes,make a film
by daveiron Thu Jun 13, 2019 9:05 am

» Marti Arrested
by Mrblue Thu Jun 13, 2019 8:41 am

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed Jun 12, 2019 7:55 pm

» Letter from solicitors
by Mrblue Wed Jun 12, 2019 1:38 pm

» Definition of terrorism, Describes the police perfectly
by daveiron Wed Jun 12, 2019 10:50 am

» Help re 3 letters and now Notice Of Application For Attachment of Earnings Order - Prison :( oh my
by waylander62 Tue Jun 11, 2019 9:59 pm

» webster report
by daveiron Tue Jun 11, 2019 8:23 pm

» Common Law Courts
by daveiron Tue Jun 11, 2019 12:58 pm

» Speed Camera Loophole Exposed
by El E Mentary Tue Jun 11, 2019 10:03 am

» fancy getting tagged!
by handle Tue Jun 11, 2019 7:13 am

» RobWay/Cohen - advice please?
by Mrblue Mon Jun 10, 2019 11:33 pm

» 5G Freedom of Information requests
by handle Mon Jun 10, 2019 9:46 pm

» Statute barred and delayed default
by Ukmets Mon Jun 10, 2019 9:31 pm

» getthetruth.org.uk
by Sharpysparky Mon Jun 10, 2019 8:04 pm

» 24 Storey Tower on Fire in Kensington - dies
by Awoken2 Mon Jun 10, 2019 7:20 pm

» Essex & Suffolk Water
by Sharpysparky Mon Jun 10, 2019 11:00 am

» Energy company switched me to a different company without consent or contract.
by assassin Mon Jun 10, 2019 2:10 am

» Do It In Writing
by LionsShare Sun Jun 09, 2019 7:08 pm

» Still think the banks are not fruadulent ?
by LionsShare Sun Jun 09, 2019 7:07 pm

» I got a reply from my 3 letter process ... what now?
by Mrblue Sun Jun 09, 2019 6:50 pm

» Old Forum Archive
by Mrblue Sat Jun 08, 2019 3:07 pm

» More Police double standards
by assassin Sat Jun 08, 2019 2:36 am

» Latest Rich Planet vids Richard Hall
by daveiron Fri Jun 07, 2019 8:25 pm

Moon phases


Overdraft LOAN has been sold to DCA

Go down

Overdraft LOAN has been sold to DCA Empty Overdraft LOAN has been sold to DCA

Post by Prometheus on Mon Mar 11, 2019 1:35 pm

Hi Everyone

My wife had an overdraft with Natwest that was being paid off at £10 per month after she could not pay the high interest rates on to.

Bank has now sold it to DCA. DCA want her to carry on the £10 payment to them

What do you recommend to do - the 3 letters to DCA? any specific wording need to be added ?

Thank you
Prom

Prometheus
Not so newb
Not so newb

Posts : 46
Join date : 2017-06-01

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by Mrblue on Mon Mar 11, 2019 3:08 pm

Welcome!

You would have to specifically use the templates for a debt purchaser - not DCA (See home page).

How much is the alleged debt for (to the nearest £1000 - to retain anonymity) ;-) ?

Your credit file will be affected for 6 years - which is why I asked how much (you may decide to instead pay off the alleged debt than have your score seriously affected for 6 years...)
Mrblue
Mrblue
Moderator
Moderator

Posts : 327
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by waylander62 on Mon Mar 11, 2019 3:51 pm

reading your first post and the heading of the thread can you clear something up for me

is this for an overdraft ?
if so did they close the account then ask you to pay the debt off ?

overdrafts tend to be different to other types of agreements thats all.

waylander62
dedicated
dedicated

Posts : 514
Join date : 2017-10-03

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by Prometheus on Mon Mar 11, 2019 4:11 pm

yes it was an overdraft on the account
the bank are calling it a debt and
PRA are calling it outstanding balance

Yes I remember Tiggy saying overdrafts are different agreements
what is the best way to approach this

Prometheus
Not so newb
Not so newb

Posts : 46
Join date : 2017-06-01

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by Mrblue on Mon Mar 11, 2019 4:38 pm

I was told a long time ago (old GOODF site) by a moderator that the template letters cover overdrafts - and I have followed that with success - BUT that may have changed, sorry (happy to be corrected) :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 327
Join date : 2017-06-11
Location : On the side of justice and beside those in need

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by waylander62 on Mon Mar 11, 2019 5:17 pm

do you have any bank statements to check ?

or an overdraft agreement between you and the bank ?

did you exceed your overdraft limit ? or did the bank charges take you over the limit ?

there are a number of things with overdrafts that need checking.

waylander62
dedicated
dedicated

Posts : 514
Join date : 2017-10-03

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by Prometheus on Mon Mar 11, 2019 6:15 pm

Great questions -thank you
we do not have a copy of the overdraft agreement - it was one of those where they just gave you this cushion - then when the limit was reached the interest rate and min payment back would go over the threshold which was £4.5k


Prometheus
Not so newb
Not so newb

Posts : 46
Join date : 2017-06-01

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by waylander62 on Mon Mar 11, 2019 7:25 pm

so did the interest and or charges take the balance to over the limit ?

there must have been some form of agreement and terms and conditions with the overdraft such as interest to be charged, what they expected from you etc.

A SAR to the bank should be helpful here

you could start by sending the first letter if you wish, but getting this info will certainly help further down the line.


waylander62
dedicated
dedicated

Posts : 514
Join date : 2017-10-03

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

Post by Prometheus on Mon Mar 11, 2019 7:56 pm

Thank you Waylander -very much appreciated
Is there a good example of a SAR request to a bank on this?

Prometheus
Not so newb
Not so newb

Posts : 46
Join date : 2017-06-01

Back to top Go down

Overdraft LOAN has been sold to DCA Empty Re: Overdraft LOAN has been sold to DCA

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