Help Please

[sandboy]

!help! Is It Too Late

It is now 4mths since i asked for your help regarding my sons debt.
Things were progressing nicely until last week when my son received a letter from a debt collection agency demanding full payment of all money owed to the bank totalling £19,000.
He was paying £1. per month to the bank which was accepted in writing and which was supposed to be reviewed after 6mths.
He has not received a letter from the bank regarding this review.
He phoned the DCA explaining his situation and was told he must pay £20pm to them for his debt or they would start legal proceedings(he cannot afford this amount).They also asked if any friends or family could help which i thought was ilegal.
My son did not dispute the amount owed to the bank when they accepted his offer of £1. in writing, is it too late to do this now that a DCA has moved in?
He is still unemployed.
Please advise on what steps we can take.

[Curlyben]

This is why any dealings with DCA's should be in writing.
Could you give a little more information about this debt.
Is it a bank overdraft, loan or card ??

Also have a read of this : ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles

[TUTTSI]

Re: !help! Is It Too Late

Hi CB,

This is Sanboys earlier thread back in April.
http://legalbeagles.info/forums/show...135#post111135

This is why any dealings with DCA's should be in writing.
Could you give a little more information about this debt.
Is it a bank overdraft, loan or card ??

Also have a read of this : ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles

[sandboy]

Re: !help! Is It Too Late

He has 2 loans with charges and interest they have risen to £8024. and £10,926.12.
He also owes an overdraft of £2900. he is paying £1. for this along with £1. for each of the loans.

[sandboy]

Re: !help! Is It Too Late

My son has had statements from the bank which tell him the amount he owes but nothing saying the debt was being passed on to a DCA.
Would you advise that he sends a copy of your letter claiming not to acknowledge debt to this company?

[Amethyst]

Re: !help! Is It Too Late

I would. Who is the DCA ?

[WendyB]

Re: !help! Is It Too Late

can we merge this thread with the earlier thread then all the info will be in the same place.

[Amethyst]

Re: Help Please

done

[sandboy]

Re: !help! Is It Too Late

I would. Who is the DCA ?

The name on the paper is Blair, Oliver and Scott.

They will not accept any less than £10 for each debt surely they should ask for an expenditure sheet first?
If he sends this letter could they take him to court regardless?
He also took out ppi can this be claimed back?As they have refused to pay out.
They claim someone will call at the house to take payment can they do this?

I am disabled and this is making me ill as this is my house my son only pays what he can towards his keep.

[enaid]

Re: Help Please

Hello sandboy,
Someone will be along soon to answer your question re the DCA's in the meantime can you give a little more info about the PPI who was that with and why they refused to pay out?

[Amy]

Re: !help! Is It Too Late

They will not accept any less than £10 for each debt surely they should ask for an expenditure sheet first?

Well of course they won't, how will they make money if they accept £1 a month? Their business is to try and force you into paying them as much as you can, so don't allow them to bully you and do not telephone them ever again.

I very much doubt if any of these DCAs are entitled to collect on these debts. Have you sent a CCA letter to each of them?

If he sends this letter could they take him to court regardless?

Take him to court for what exactly - sending a letter disputing the amount owed? He has been paying at least something towards his debts and sending a letter disputing the actual amount is not going to induce court proceedings. Send the letter.

He also took out ppi can this be claimed back?As they have refused to pay out.

If it has been mis-sold then reclaim the money.

They claim someone will call at the house to take payment can they do this?

I very much doubt it and if they do (which they won't) tell them to leave immediately. A DCA has no automatic right of entry to your property.

I am disabled and this is making me ill as this is my house my son only pays what he can towards his keep.

1. Then send the letters you have been advised to send. Send the SAR and find the £10 from somewhere.

2. Do not answer the telephone to these people and if necessary change your telephone number.

3. You need to read around the forum a little bit more and gain an understanding of the court process and of DCAs and of debt enforcement. If you understand it then it cannot frighten you.

Have you read Curly's guide to the CCA as posted in post #17?

[Curlyben]

Re: Help Please

BOS are the in house monkeys of HBoS, so ignore them and continue dealing ONLY with the bank.

[sandboy]

Re: Help Please

Hello sandboy,
can you give a little more info about the PPI who was that with and why they refused to pay out?

The loans were both with Halifax as well as the PPI for each loan.
He was told to take out the highest level due to the nature of his work at that time.
He left his job to go to another miles away from home he found a place to live with 6mths contract and we helped him move.
He worked for this company for 1wk only when he was told they did not need him and due to the so called recession they were laying off staff.He was not given a contract.
Needless to say he ended up back home and had to pay the full 6mths rent which has not helped.
The bank claim he left his job on his own and refused to pay on those grounds.

[enaid]

Re: Help Please

The loans were both with Halifax as well as the PPI for each loan.
He was told to take out the highest level due to the nature of his work at that time.
He left his job to go to another miles away from home he found a place to live with 6mths contract and we helped him move.
He worked for this company for 1wk only when he was told they did not need him and due to the so called recession they were laying off staff.He was not given a contract.
Needless to say he ended up back home and had to pay the full 6mths rent which has not helped.
The bank claim he left his job on his own and refused to pay on those grounds.

If your son was mis sold PPI then we will help you to try and reclaim it.
Please have a read of the info HERE

[sandboy]

Re: Help Please

I am going to send an SAR to the bank on behalf of my son when i have done that who do i send letters to regarding the account being in dispute is it the DCA or the BANK or both?
Then i am going to try to reclaim the PPI on the grounds that he could not have the credit if he did not take PPI.
Is there anything else i should send or do please?