can someone please give advice on who I send the 3 letter process to.

[nutmeg2022]

I will have a look around this site and have been doing already.

But...

That's basically what I'm getting at, if they're inevitable course of action is to withdraw. why don't I nip it in the bud and show my non fear by saying ok give me your documents, lets go court. basically saying get in the ring I'm ready.

and if there inevitable course of action is to not withdraw then why not do the same.

[MIKE770]

you are coming to the SB stage why have they not chased you before the last minute, if you been around the site you would see a pattern emerging on how DCAs opt to use, intimidation type tactics problem is many are not drawn in.

[MIKE770]

at this stage maybe others will comment also

[nutmeg2022]

What is it about the 3 letter process that judges frown upon?

[MIKE770]

What is it about the 3 letter process that judges frown upon?

shows if used you are a possible person who try and avoid any liabilities.


The 3 letter process is something dreamt up by FMOTL, and it is well left alone unless you want to lose hand over fist.

There are much easier and better ways in which to deal with debt, and they are tried and tested.

[MIKE770]

as from now I personally will not be answering question on 3 letter (no use) process, have better areas to try and assist people and as we are volunteers our time is precious for those with real cases,

any reference to items is only suggestions.

[nutmeg2022]

ok I understand.

I'm sure I will have a real case soon, I appreciate the advise I really do. I would be happy to pay a donation if and when it comes to a court order.

I'm just starting to panic about and that's where the questions are driven from, a non stop what if scenario in my mind caused by this DCA. I have 3 children I care for full time and in my financial situation it would be expensive for me to attend court.

I literally couldn't pay for the loan as the payday loans kept creeping up faster and faster, the more I depended on them the more they got me put of pocket in till the break even point broke and I was in arrears along side my pay from work.

it was a very bad choice but at the time I really had no option to take the loan as I was in a very low financial state and at the time of getting the loan out I was fully prepared to pay it off.

I do believe in paying what we owe, but in today's world of inflation and banks creating money from thin air and claiming on salvage law, who is really in the wrong?

[MIKE770]

we have all been there and tracked some tried to track the way you started to but realise it is no go.,

echat11 may have ideas for you?

[echat11]

The best piece of advice is given in post 14, paragraph 2 by Mike.

There are certain processes that the DCA / Ceditor has to follow, sometimes they try to circumnavigate them. They take shortcuts (i.e. not sending default notice etc) which you can use in your Defence, if they did decide to pursue the matter through the courts.

They need to send a Letter Before Action once you get that, that is the best time to reassess the situation.

[nutmeg2022]

Ok. Thanks for the advice. I never received a default notice.

but what about this..

‘Default notice served under section 87(1) Consumer Credit Act 1974’

There is no requirement for the creditor to prove you have received the notice, so it is possible that you may have received the notice to a previous address. You could also obtain a credit report to check to see if you have received one.

[nutmeg2022]

I think there may of been a default on credit karma though maybe originally with quick quid but now there is definitely a default with lantern

[echat11]

Ok. Thanks for the advice. I never received a default notice.

but what about this..

‘Default notice served under section 87(1) Consumer Credit Act 1974’

There is no requirement for the creditor to prove you have received the notice, so it is possible that you may have received the notice to a previous address. You could also obtain a credit report to check to see if you have received one.

What Default Notices does is allow you to rectify the breach (failure to make 3 payments), if you've not received it, you can't rectify the breach, so it's important.

[echat11]

I think there may of been a default on credit karma though maybe originally with quick quid but now there is definitely a default with lantern

All the Credit Reference Agencies has guidance on their websites, that explains how to read Credit Reports.

[MIKE770]

once default on file then new owner can change who owns it BUT the default date stays the same.

[nutmeg2022]

Will the court ask me why I didn't respond to any letters I got from the DCA before I received a letter to go to court?