Hi everyone,

Ive been paying a DMP with Stepchange for almost 2years now. I was told by someone today that my debts can be challenged and possibly written off. Is this correct and if so, do you think I'd be able to cancel the DMP? Thank you

yes and yes

list your debts please

for each one:

original creditor

type of credit

when taken out

when defaulted

outstanding balance

who you pay now

how much you pay now

Thank you for replying dx100uk.

Sorry to appear 'dense/thick', but are you needing me to list my debts etc on here?

thank you

Yes!

How much?

Owed to who?

Subject to any legal action?

answer each of my question for each of you debts please

dx

Hi DX and fkofilee.

Original creditors are

HMRC Tax Credits, Overpayment, Outstanding Balance £7,614.59 and £49.61 via stepchange

Barclaycard, Credit Card, OB £4620.65, and £23.08 mth

Halifax PLC, Overdraft, OB £3541.74and £23.08 mth

Marks and Spencer, Credit Card, OP B£3349.55 and £12.46 mth

Halifax, Hubbys Credit Card, OP £2335.83 and £8.76 mth

Restons Solicitors Ltd, OB £1671.15 and £6.34

Creation Financial Services OB £1066.50 and £5.02

Halifax PLC , Overdraft, OB £299.50 and £5.02

Halifax PLC ? ? ? ? £4.53

Where I have missed details out, that is because I cannot remember who the original creditor was..

...and for what type of credit it initially was.....sorry

They are all paid proportinately via Stepchange

We have been using Stepchange for approx 20 months

and were paying only the necessary minimum payments to the creditors for as long as I can remember prior to that.

Hope this info is what you need in order to advise me..........Thank you

I will compile a rsponse when I get home.

I will compile a rsponse when I get home.

Thank you

HMRC... First off... Lets see here,

is the Overpayment correct.

Have you verified this with them and asked them how they have come to this conclusion?

--> SAR Them - Its free. Look at the templates in my signature.

Each of your credit card debts need to be checked and checked again for

--> PPI Payments

--> Default & OL Charges

--> Any charges that are unreasonable.

Please tell us who they are with -

-- Original Creditor or a DCA?

If DCA, then you need to send a CCA Request and a £1 Postal Order each.

Restons... Interesting... Are you subject to a CCJ?

Who was this debt originally with?

Why are Restons Involved?

Please also confirm whos debts belongs to who

... You seem to have bundled everyones debts together...

Stepchange took both mine and my hubbys debts as a package.

That's why they were both together.

Neither the us have s CCJ, so obviously an original creditor may have passed s debt on?

No I haven't asked HMRC to verify the debt...but I will.

What does OL stand for please?

I also intend to ask Stepchange if they can provide us with a copy of all the original creditors that we sent them.

And does the fact that I am in receipt of DLA make a difference in any of this?

What does OL stand for please?

Over credit limit fees (penalty charge)

Restons are Solicitors as you are probably aware....and only act/collect for creditors once legal action has been threatened/ commenced.

Restons Solicitors Ltd, OB £1671.15 and £6.34

Regards

Andy

Thanks Andy,

As far as I am aware, we are not involved in any sort of legal proceedings whatsoever?

Then why are you paying the Solicitor...and for what debt?

It was only when I printed details off from Stepchange this morning that I noticed RESTONS and I cannot remember who the original creditor id hence the fact I want Stepchange to tell me who it was. I thought there must have been some automatic transfer of debt ownership between SC and the original creditor to Restons?

You need to investigate...just for your own satisfaction...but Restons dont buy debts..they are not a DCA......they only act for DCA,s on legal matters.

Thanks again for your advice

Barclaycard, Credit Card, OB £4620.65, and £23.08 mth - send a CCA request to whom is paid thru DMP

halifax PLC, Overdraft, OB £3541.74and £23.08 mth

Marks and Spencer, Credit Card, OP B£3349.55 and £12.46 mth send a CCA request to whom is paid thru DMP

Halifax, Hubbys Credit Card, OP £2335.83 and £8.76 mth send a CCA request to whom is paid thru DMP

Restons Solicitors Ltd, OB £1671.15 and £6.34 send a CCA request to whom is paid thru DMP

Creation Financial Services OB £1066.50 and £5.02 send a CCA request to whom is paid thru DMP

Halifax PLC , Overdraft, OB £299.50 and £5.02

Halifax PLC ? ? ? ? £4.53

Thank you for that help DX, I shall get on with that today.

The ones that you haven't commented on.....do I presume there's no way if challenging them?I really appreciate everyone's time and helpfulness

I am also in receipt of DLA, do the creditors need to take that into consideration?

" I am also in receipt of DLA, do the creditors need to take that into consideration? "

You would like to think so ...but unfortunately no.

Andy

ah well, was just a thought lol

Thank you for that help DX, I shall get on with that today.

The ones that you haven't commented on.....do I presume there's no way if challenging them?I really appreciate everyone's time and helpfulness

I am also in receipt of DLA, do the creditors need to take that into consideration?

looks like it wouldn't hurt to SAR Haliprats.

get all the statements.

could be stuff to challenge or reclaim?

dx

looks like it wouldn't hurt to SAR Haliprats.

 

 

get all the statements.

 

 

could be stuff to challenge or reclaim?

 

 

dx

Exactly what I said before.

Could be rife with charges and PPI

Would be interested to know if Shirlthegirlx had any success in writing off her debts.

But I wouldn't bet on it, and like her, I'd be very hesitant to share such personal banking information on a website.

No matter what anyone says, hackers, banksters, HMRC can all snoop on you and do it legally or illegally.

Atos for instance use Hacking Team technology. Oh yes they do, just go and look on wikileaks No such thing as a secure website.

to my problem with Stepchange, and Citizens Advice Bureau, who direct you to Stepchange.

Stepchange are backed by the banks, CAB don't tell you that, (NOT A WORD)and are NOT independent good-guys who understand the awful, deceitful, deliberately confusing gobbledygook that is DESIGNED to get people into debt bondage.

No they are an integral part of this stinking capitalist grab everything culture, we now live in.

And at the other end are companies like Marstons Debt Collections, a multi national company who receive contracts from the HMRC and banks then charge extortionate "admin" fees to bury any hope a debtor has.

The Advisory Group of these include Elizabeth Filkin OBE, an ex Citizen Advice Bureau cheif., and Marc Gander who runs this website. How much do they pay you Marc ?

Okay... So youre posting for what? This is a help site... Not for you to come along and start poking sticks at people.

Firstly as Marc is an adviser of Marstons, it would "help" me to understand why no one tells a Stepchange customer that "admin" fees are sky high when the banks hand over the debts to companies like Marstons. And what is stopping Marstons from passing these debts on again to put customers even further in debt. What's stopping them ?