Hi All. I have a bunch of debts that have been hanging around for years under a free debt management plan. I want to clear these up now. Firstly, my main concern is that the totals currently 'outstanding' exceed the original borrowed in the first place by quite a while. Also, the debts have been passed between a number of agencies and in some cases I don't even know what the original debt is anymore. I'd also like to note that these collection companies have added plenty of money on the totals too so maybe I need to request a statement from them AND one from the original lender if I can work out how they are? In short, HELP! So here is my plan / questions: Can I / should I contact all the companies listed on my credit file and ask for a breakdown / statement? Is this a subject access request? Can I even send them one if they are not the original loan company? I've attached a screenshot of the debts I am aware of / with my management plan in case there is any specific action I should take based upon the info / people. // I removed the screenshot - realised I had account numbers in there. Whoops! Many thanks in advance.

They have had a payment within that time frame. One of these however is an old littlewoods account from years back. Who do I contact to get a breakdown as I suspect I can get charges removed from that one?

Hi there. Have done a credit check today and found 4 accounts listed as defaulted on my file with various values ranging from 40 - 500 ish pounds. I've called them (on a witheld number) and gone through. They all sounds like that are indeed accounts I have had in the past and may have owed some money on, but the values appear to be far greater than even the original credit amount. I've talked through getting a 22% discount if I settle them in full and they are going to let me know tomorrow if approved. My main question is, if the debts are older than say 2005 (in this case a credit card) then can they even legally request I pay or should I be fighting to get this struck off without paying? Or is it better to just pay off at these discounts and be done with it for good. I confirmed that paying will close the accounts and remove the defaults. I was told that I will get email confirmation of this while on the phone making the payment, though i wanted to get the offer in writing first before I will pay anything to be safe. The person I spoke to was very friendly and the call went well. They seem to be ok on first impressions and I'm happy to just get my credit file cleared off with a loan from the parents instead. But before I do anything too hastily I thought I would come and get valuable CAG advice For reference the amounts and settlement offers (still to be approved) no discount option of the £45 one capital one - 238 (clear at £185) - (2003 - 2005) 514.98 (clear at £400) three £100 - (clear at £78)

Just seen this pop up BRIEF-Cattles makes subordination document available BRIEF-Cattles makes subordination document available - Forbes.com Looks light on details but there are contact numbers and hints of new info. Anyone fancy picking up a phone? Oh and for those interested, don't forget you can make yourself some nice alerts http://www.google.co.uk/alerts?um=1&ned=uk&hl=en-GB&q=Cattles&t=1

242.85 i believe.

Thanks Any moment you get to look at http://www.consumeractiongroup.co.uk/forum/show-post/post-2052366.html would be great. PM or reply to thread, whatever is easiest Just desperate to know.

Hey all. Andie, or someone, would you mind having a look at this document and letting me know if it is enforceable or if I should go after welcome to claim EVERYTHING back from them? I am a bit confused http://s5.tinypic.com/2saj9j5.jpg I have blanked out my info. THANKS!

Well done everyone.! Still not exactly sure if that means my loan is going to be null and void or not... perhaps a nice clear post soon on what is effected and what it means Obviously only once you are allowed to do so Well done again... what an exciting day!

I think you will have more luck with this TinyPic - Free Image Hosting, Photo Sharing & Video Hosting

photobucket

Andie, don't suppose you could have a quick peek at http://www.consumeractiongroup.co.uk/forum/show-post/post-2035938.html ?

What an exciting day this is going to be and it's Friday the 13th Unlucky for some

Hey, I just sent the below to Andie but maybe someone else is about that can help me on this...? I have an agreement from way back in 2005 for my car. I don't currently have a statement as they have not replied to SAR. However there are 2 things that make me think they have charged interest on the Acceptance fee based on my agreement document and I wondered if you might give me your thoughts? 1) The have the acceptance fee listed as a value of "s". They then have "charge of credit for goods" as S+t+v. They then roll those into a total charge for credit and finish by saying that there is interest applied to that total... thus they must be charging interest on the fee? Secondly at the bottom of the paper they have actually written "Interest, calculated on the amount of credit and Acceptance Fee outstanding from time to time throughout the duration of this agreement...." So unless I am mad, they have essentially put in writing that they are charging interest on the acceptance fee? If this is the case I assume I can use your fantastic letter to put the account into dispute and then cancel my payments to them? My agreement is due to end at the end of this year anyway. Finally, if I do this I assume they are not going to be able to take the car, and indeed will actually have to pay back monies owed or write off the debt? Any help that anyone can offer is really appreciated THANKS!!!!! P.s as a bit of a funny one, the person who printed this agreement kept the headers and footers on so at the bottom it has the word document name of "Elite Brokers Tier 3 (Volume Bonus) 10.10.05 which I find amusing.

Well fingers crossed. I just printed and signed and am posting first thing in the morning. I wondered if it is worth saying that I would accept closure of the loan instead of a refund? I only have until the end of the year left and have paid WAYYYYY more than the cost of the car. Anywho, lets see what they say.

THANK YOU! Reading now