The DMC is Money Management Team.

The debts are (with rounded figures):

Lloyds - £3000

DLC - £4000

Money Management Team. - never heard of em

whats the address or phone number

what is or was the debt being paid to DLC please

and the Lloyds one - overdraft?

Money Management Team. - never heard of em

whats the address or phone number

https://www.moneymt.co.uk

They used to be Debt Advice Unit.

what is or was the debt being paid to DLC please

and the Lloyds one - overdraft?

Those were the figures I gave above. That's what I currently owe. There's two Lloyds ones totally around £3000, and the DLC one of around £4000. The DLC was originally a Lloyds business loan. The two Lloyds ones were a credit card and a (non business) loan.

One of the debts kept getting sold onto other people.

which one was this the business loan currently with dlc?

the credit card and the pes loan are still paid directly to Lloyds then?

all can have a cca request sent out...

One of the debts kept getting sold onto other people.

 

 

which one was this the business loan currently with dlc?

the credit card and the pes loan are still paid directly to Lloyds then?

 

 

all can have a cca request sent out...

No, all the three debts are with the DMC.

Yes, the one getting re-sold a lot is the one currently with DLC, which is the business loan. Is that significant?

Who do I send the CCA requests to? What addresses at Lloyds?

Thanks.

no forget the DMC exist

they don't OWN DEBTS.

I've now merged in two other threads that you started last year about doing the same thing.

one post says one of the Lloyds debts is now owned by

It's now owned by a solicitors called Lester Aldridge.

I really think you should simply STOP paying MMT now

cancel the contract totally

and ask for any Full & final pot they are holding to be

refunded back to you

then simply await whomever 'thinks' you owe them money

to write to you.

and we'll deal with it realtime directly.

use the windfall for a holiday or something

It was mentioned in this thread earlier that I could "demand the pot of gold back" from the DMC. What does that mean?

I really think you should simply STOP paying MMT now

cancel the contract totally

The trouble with doing that is right now all the interest payments are frozen. I imagine that would cease to be the case if I broke the contract with the DMC.

no.

1.who says you owe anything?

2. you can also get int/charges frozen

a DMC has no more powers than you.

imho you are being fleeced.

I really think you should simply STOP paying MMT now

cancel the contract totally

and ask for any Full & final pot they are holding to be

refunded back to you

It means exactly as dx says above ^^

just another point

as you mentioned uk bank..

you are resident in this country?

dx

just another point

as you mentioned uk bank..

you are resident in this country?

I am a resident and have been all my life, yes.

No, all the three debts are with the DMC.

 

Who do I send the CCA requests to? What addresses at Lloyds?

 

Thanks.

You send it to whoever is demanding the money.

I see from the expanded thread that you have asked all of this before. Why did you not do something then?

You send it to whoever is demanding the money.

What I've been saying throughout this thread is I don't know who to send the CCA requests to. Because:

a) they keep getting sold to different people.

b) I can't find a list of addresses for the debt departments of the creditors.

Also, what's the best case scenario with a CCA request?

What I've been saying throughout this thread is I don't know who to send the CCA requests to. Because:

 

a) they keep getting sold to different people.

 

b) I can't find a list of addresses for the debt departments of the creditors.

 

Also, what's the best case scenario with a CCA request?

Hi,

You send the CCA Request to the last person who said they own the debt and you keep sending them to whoever may buy the debt in future.

Best case scenario is that they don't have one. Therefore the debt is not legally enforceable. Therefore you DON'T PAY them. They may also write the debt off and you will never hear from them again. You have extra money to spend as YOU wish.

Did you work out the difference between what you have paid and what you still owe?

b) I can't find a list of addresses for the debt departments of the creditors

The address should be on the letter you received saying that they now own your debt. If you haven't received a letter, why are you paying them?

Did you work out the difference between what you have paid and what you still owe?

You mean the lump sum to pay everything off? I haven't paid that yet, but the DMC were offering me an average of 30% savings across the 3 creditors on the debt I still owe.

The address should be on the letter you received saying that they now own your debt. If you haven't received a lettericon, why are you paying them?

The DLC one has an address, yes.

The two Lloyds ones haven't sold the debt. They're two departments of Lloyds and I don't have specific addresses for them. They're just listed as generic Lloyds HQs.

You mean the lump sum to pay everything off? I haven't paid that yet, but the DMC were offering me an average of 30% savings across the 3 creditors on the debt I still owe.

 

The DLC one has an address, yes.

 

The two Lloyds ones haven't sold the debt. They're two departments of Lloyds and I don't have specific addresses for them. They're just listed as generic Lloyds HQs.

No. I mean have you added up ALL the money you have paid to the Debt Management Company over the years you have been paying them and compared it to the amount that your debt has actually been reduced by.

You must have received a letter from the collections dept at Lloyds, that should have their address on. If in doubt, send it to their registered address by RD, with a covering note saying pass to relevant dept.