Afternoon... Has it really been 3 months? Dear lord. Well, I finally got my SAR back from Money Village. I received it a couple of weeks ago. There's very little there to be honest and they say they never received complete records when the company changed hands back in 2018. As for the rest... I currently have 2 accounts with Cabot. They keep calling but I don't answer. I've received a few letters regarding CCJ's but nothing major. I still have 2 accounts with LINK who I have received a couple of letters from enquiring about payment. Finally...my debt with Barclays has been passed to MOORCROFT who repeatedly call and send letters. What now?

Okay. Thanks for all your assistance. I'll have a read through those posts, send the SAR and keep you posted.

Okay. Will do. Do you mean when I initially took the credit? If I remember correctly it would go to either my mothers address or a house I shared with the ex. I was living with the ex when I took out the initial DMP with Spectrum. I haven't had letters off any creditors for years. Actually...Link used to send me a balance every now and then to my mothers address. If you mean would my mother forward the mail in a reasonable time this can be arranged so I don't miss anything.

I've just checked in my portal online and my adress has been changed to my new address. All correspondance usually goes to old address (mothers)...only changed address a couple of days ago. Do I make this months payment or not? So sent a SAR to MoneyPlus? My DMP? Excuse my ignorance but what would that achieve?

My next payment is due in a few days...I've already put it on hold until I figure out what to do. SAR to all it is... The accounts were with MBNA credit card, EGG (loan and card) and Barclays (think this was current account...overdraft possibly?).

Yeah. I changed it the other day actually. Didn't have much choice really. The old address they had was my mothers.

Yeah. I know mate. But like I said. Did'nt want to leave family with nuisance calls and all that. Not with Spectrum. It's changed to MoneyPlus now. Reading back over those threads brings it home really. I could have saved myself a fortune but it is what it is. If I remember correctly I did SAR everyone. I vaguely remember receiving a huge amount of documents from Barclays I think and maybe that put me off?

Long story short DX. ..I have worked offshore for years and when I get home my son lives 200 miles away so I've never really had a place of my own. I didnt want to be sending DCA to family addresses (C/O addresses). I have paid the debts through various DMP and never missed a payment but now my personal circumstances have changed I'm going to handle it myself as I am now in the UK permanently.

Evening all, Just a quick one... I'm about to send out CCA requests to a few creditors on debts which are well over 10 years old. Could anyone please point me to the correct address to post to regarding Cabot Financial, Link Financial Ltd and Barclays Collections & Recoveries? I've tried searching and Googling but there are so many different branches to these firms it's hard to know what's what. Any help will be much appreciated! :)

October 2014......

Hey Andy, thanks for the advice. Thing is, there is not actually a "Default" as such. They just keep marking my credit file every month with a missed payment and have done for many years. Is this correct? Should they now start putting on my credit file as a "completed payment" every time I pay them? I wnat to start repairing my credit file but if they keep marking it every month with "missed payments" I'll never clear it?

Afternoon All! I was hoping someone would be kind enough to advise on how I should proceed with the following problem with British Gas. I'll try and keep it brief as, with everything concerning BG this has been anything but! A few years back a bill was ran up at one of my previous address' and not paid. I admit the debt is mine so no problem there. I have nothing from BG or any DCA in over 2 years. Recently, have come into better times I have decided to try and get my credit score back. I checked my credit file and basically BG has marked my file, every month for the last couple of years with a "missed payment". I called BG regarding the account and was passed to their "offshore" debt team who didn't have a clue. It took 45 mins for them to find any info. I made a payment of £100 and asked if I could set up a monthly DD for the remainder but was told I can't as the debt was so old and must call each time to make a payment. I explained this is impossible as I am out of the country 10 months a year and will not spend 45 mins each time on the phone from abroad to give them money. I was advised by another adviser the following day that I could actually set up a DD so tried again. Again, no body could find any record of the account. Just an address and the balance. The guy who took the £100 payment had not even put that in the file. Luckily this was rectified. Long story short it turns out that the debt has been passed to a DCA. BG said as this was the case they couldn't do anything. When asked how come they took a payment then they had no answer? I told them that I will deal direct with the DCA but was informed they don't know who that is?? No record. I told them, if the DCA has bought the account then they should refund my £100 but was informed this would come off the DCA bill which I think is BS. They are supposed to be calling me back today with the DCA details (I won't hold my breath!). What would you advise on this one? I'm guessing BG don't even own the debt now so I shouldn't really be dealing with them. I was thinking just offer the DCA a full and final and claim back the £100 off BG. They can't take payment on an account they don't own right? The other thing is, should they still be marking my credit file every month? If they don't own the debt I'm not missing any payments? Any help will be greatly appreciated

Hey Tingy, they must send a copy of my agreement if I just send the SAR then?! Okay, sound's like a plan. With respect to Link financial, would they also have access or be able to send me a complete rundown of any charge's etc on the card or would I still have to contact MBNA directly!? Also, in response to my previous post, do I send these SAR's to the original branch where I got the loan from or to the head office of the bank? Thank's for your assistance!! =D

Thank's for the fast reply! =D I was under the impression you could still claim unfair bank charges if you were in a DMP?! Or is this incorrect?! Cheer's! =D

Hey Guy's! I am looking into a few thing's regarding my debt's and was hoping somebody could point me in the right direction. I am currently in a DMP with "Spectrum" who are crap but to be honest there is only so much fighting I can do due to me travelling so much with my job. I have only recently decided to really give it a big push towards clearing my debt, should have done it sooner but life kinda got in the way. I have recently upped my monthly payments from around £30/Month to £550/Month but am now looking into claiming back charges, PPI and whatever else I can so that I can clear my debt's a lot quicker. My creditors are as follows : Egg Loans Barclaycard Central Debt Collection Services (Barclays) Link Financial (MBNA) Egg (Cards) Total = £35,000 I am going to send off the CCA letter first and foremost to see exactly where I stand with each credit agreement. Where do I send these letter's? To the branch I originally took out the loan with or to the bank's head office? I'm correct in thinking I should send all my creditors CCA's? Once I receive (or don't!) receive the credit agreement's I would like to reclaim against missold PPI, bank and credit card charges. I understand I need to get a statement of all charges from the bank or credit card company, can I send the SAR letter's the same time I send off my CCA's? I know some have advised against this but I currently have 2 months off work then I'll be in out of the country for 4 months so can't be waiting too long for replies/paperwork coming through. Would I send these (SAR) to all the above? Looking over certain paperwork I think I could (hopefully) knock off a tidy sum from these debt's if my claims are successful (I believe PPI on my Egg loan was around £7,000!). Sorry for the long post ladies and gent's but I'm finally on a mission to get out of debt, it's been a long time coming so I'm all gun's blazing!! Any help will be gratefully received!!