The GOODF Approach
Would you like to react to this message? Create an account in a few clicks or log in to continue.
The GOODF Approach

a refuge for community, information, support and discussion about debt , health and well-being

Search
 
 

Display results as :
 

Rechercher Advanced Search

Latest topics
» Leighton vs Bristow & Sutor high court ruling. 'enforcement agent' needed to supply a legally executed liability order to prove any authority.
by wakey wakey Sun Nov 10, 2024 4:01 pm

» Brandon Joe Williams
by grams Sat Nov 09, 2024 11:29 am

» A Parcel sent to me worth 99p ! Court Claim received !
by memegirl777 Sun Nov 03, 2024 4:53 pm

» UK Courts Using Faulty Cell Site Data a Serious Concern!!
by midnight Sun Nov 03, 2024 1:32 pm

» Clowells continue
by Biggiebest Sat Nov 02, 2024 11:47 am

» Legal responsibility
by Biggiebest Fri Nov 01, 2024 12:36 pm

» Composting Leaves
by assassin Thu Oct 31, 2024 4:25 am

» Composting
by assassin Thu Oct 31, 2024 4:22 am

» BEWARE OF TSB BANK
by daveiron Sun Oct 27, 2024 4:04 am

» Council Tax
by Lopsum Thu Oct 24, 2024 2:57 pm

» Salary Finance
by daveiron Thu Oct 24, 2024 10:56 am

» DWP
by daveiron Thu Oct 24, 2024 10:49 am

» Real Electric Cars
by assassin Sun Oct 20, 2024 3:53 am

» BOMBSHELL: Slovakia could BAN mRNA vaccines
by assassin Sun Oct 20, 2024 2:40 am

» Council Tax (getting answers)
by assassin Tue Oct 15, 2024 5:22 pm

» DSAR DELAYS
by daveiron Sun Oct 06, 2024 11:20 pm

» For those considering ,conditional acceptance
by daveiron Fri Oct 04, 2024 9:55 am

» Just got a letter
by daveiron Thu Oct 03, 2024 11:46 pm

» Ceder so called bailiffs
by Ian4644 Mon Sep 30, 2024 2:43 pm

» Our Little Food Growing Experiment
by assassin Fri Sep 27, 2024 5:01 am

» Jocabs Threatening my parents address over council tax.
by darkfireblade Mon Sep 23, 2024 9:42 pm

» Heat Your Home
by assassin Mon Sep 23, 2024 3:48 am

» Purchased Used car, thew con rod after 4 weeks, 40,000mi on clock, can we get out of the finance?
by scrwm Thu Sep 19, 2024 5:56 pm

» ULEZ London huge fine for misunderstanding
by urchinatheart Sat Sep 07, 2024 9:56 pm

» The new ruling, lie-ability order
by assassin Sat Sep 07, 2024 4:19 am

» Prepping 1 Lighting Overview
by assassin Fri Sep 06, 2024 4:34 am

» Prepping 2 Selecting Light Sources
by assassin Fri Sep 06, 2024 4:26 am

» Prepping 3 Security
by assassin Fri Sep 06, 2024 4:21 am

» Prepping 4 Planning Your Lighting
by assassin Fri Sep 06, 2024 4:18 am

» Prepping 5 Charging Your Batteries
by assassin Fri Sep 06, 2024 4:15 am

» An idea to reform the police ?
by assassin Fri Sep 06, 2024 4:02 am

» Post 2007 CCA
by Biggiebest Thu Sep 05, 2024 1:47 pm

» Travel advice please: London to Amsterdam no injects no tests
by Kaddabriol Wed Sep 04, 2024 10:39 am

» CCJ letter
by waylander62 Mon Sep 02, 2024 9:12 pm

» Disability
by assassin Sun Sep 01, 2024 3:03 am

» It works (Richard Vobes)
by assassin Sun Sep 01, 2024 2:57 am

» Veronica Chapmans approach to CT
by daveiron Thu Aug 29, 2024 11:17 pm

» Tsb many times refused basic account
by flyingfish Thu Aug 29, 2024 11:53 am

» Lowell New Address
by waylander62 Tue Aug 27, 2024 7:41 pm

» The Daily Mail doesn't know the law on facemasks and disability -ThatguyScottWeb
by Emma78 Mon Aug 26, 2024 9:29 am

» DSAR from OC
by waylander62 Mon Aug 19, 2024 8:46 pm

» HSBC advice please.
by Trishiapp28 Thu Aug 15, 2024 6:30 pm

» Council Tax Notice of Enforcement
by Lopsum Sun Aug 11, 2024 5:26 pm

» If The State is Pushing You to Riot , Do the Reverse
by Lopsum Sun Aug 11, 2024 5:16 pm

» Grid Down Mistakes To Avoid
by assassin Tue Aug 06, 2024 5:05 am

» Grid Down Realities
by assassin Tue Aug 06, 2024 4:57 am

» Lowest of Lowest continue with their fraud
by assassin Mon Aug 05, 2024 3:09 am

» Government Prepping Food and Water
by assassin Mon Aug 05, 2024 3:07 am

» Subject access dca refused
by daveiron Sat Jul 27, 2024 12:14 am

» Pre action protocol
by Biggiebest Fri Jul 26, 2024 3:40 am

» DCA working on behalf of an energy company
by daveiron Mon Jul 22, 2024 11:45 pm

» More of the Same
by daveiron Sun Jul 21, 2024 12:19 am

» Off Grid Engine Projects
by assassin Sat Jul 20, 2024 5:03 am

» Government Prepping Setting Up
by urchinatheart Wed Jul 17, 2024 8:13 am

» Latest from CrimeBodge
by assassin Tue Jul 16, 2024 4:15 am

Moon phases


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

4 posters

The GOODF Approach  :: How to Get out of Debt For Free :: Debt Forum

Go down

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

Post by Mrblue2015 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.

Mrblue2015
Mrblue2015
Distinguished member
Distinguished member

Posts : 2472
Join date : 2017-06-11

Back to top Go down

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

Post by daveiron 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.
daveiron
daveiron
Admin
Admin

Posts : 4984
Join date : 2017-01-17

Back to top Go down

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

Post by Mrblue2015 Mon Sep 10, 2018 8:37 pm

Many thanks Daveiron, sound advice as always :-)
Mrblue2015
Mrblue2015
Distinguished member
Distinguished member

Posts : 2472
Join date : 2017-06-11

Back to top Go down

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

Post by Swan 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 : 26
Join date : 2018-09-10

Back to top Go down

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

Post by daveiron 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.
daveiron
daveiron
Admin
Admin

Posts : 4984
Join date : 2017-01-17

Back to top Go down

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

Post by Swan 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 : 26
Join date : 2018-09-10

Back to top Go down

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

Post by Kestrel 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
dedicated
dedicated

Posts : 739
Join date : 2017-08-27

Back to top Go down

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

Post by daveiron 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.
daveiron
daveiron
Admin
Admin

Posts : 4984
Join date : 2017-01-17

Back to top Go down

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

Post by Swan 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 : 26
Join date : 2018-09-10

Back to top Go down

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

Post by daveiron 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
daveiron
daveiron
Admin
Admin

Posts : 4984
Join date : 2017-01-17

Back to top Go down

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

Post by Sponsored content


Sponsored content


Back to top Go down

Back to top

- Similar topics

The GOODF Approach  :: How to Get out of Debt For Free :: Debt Forum

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