hello

In 2010 I went onto a DMP with Stepchange.

I thought all the accounts defaulted in 2010.

At the time the debt was around £43k

Recently I checked my credit report as I was going to try and offer final settlement to 5 companies.

There is still one account showing on my file.

My debt at present is around £21k and I am still on a DMP.

All the debts have been sold to different companies now.

A few years ago I claimed back some PPI on one account but never looked into any charges on the others.

I have just learnt about asking for the credit agreement so e-mailed the companies.

I now know that I need to send a postal order so that is my next task.

My situation is changing soon and I am taking a job with less hours.

I would really like to buy my flat.

I was hoping to clear the debts with a final settlement figure.

I spoke with Debt advice and they said that even if the companies do not find the agreement I still should pay as they could find it months down the line.

Can anyone offer some advice what they would do in my situation?

I would be most grateful.

did you ever sent everyone you supposedly owe money to a CCA request??

you cant email it ...

to check they legally hold the required paperwork to even demand money from you...

sounds like you've been cash cowed for years here.

list your debts please..

who was the original creditor

when you took the credit out

what type of credit was it

who are you paying now

how much is still owing.

if the debts are not on your credit file they cant hurt you going for credit but you must update addresses as you move.

whoever 'debt advice' is they want shooting...

dx

Oh no that's not good (paying something I don't need to)

£8,700 with Moorcroft think it was originally a Egg Loan - Now owed to Arrow Global

£1,172 with Wescot - It is a Lloyds credit card

so CCA to arrows too.

and you are saying LLoyds still own the one wetcloth are being paid for?

yes it is a Lloyd's card

thank you for taking the time today to help much appreciated. I will get those CCA in the post asap.

I know its a Lloyds card..you said that in post 1

but is it still owned by the oc

or are wetcloths client not Lloyds?

IMHO i'd dump Stepchange.

Yes still owned by Lloyds Wescloth are collecting on their behalf.

You think I should manage them myself? Will they start calling me every other day again?

maybe do those cca requests, see what comes back.

can then decide what to do.

I thought all the accounts defaulted in 2010.

is that for sure, or are you on an 'arrangement' re dmp.

double check your credit files.

you are under NO legal obligation to talk about your debts on the phone.

writing only put the phone down

then we'll deal with the deforestation as it comes thru your door

have you moved since taking these out?

Recently I checked my credit report as I was going to try and offer final settlement to 5 companies.

There is still one account showing on my file.

ok

which report did you check, check them all.

which one is still showing

gosh your right well spotted no the debts are not on the report apart from one.

That's not good is it? They could still put a default on I guess.

depends if they were actually defaulted in 2010.

if so, then yes they shld not be on there as a default as they shld go after 6 years.

when did you formally enter dmp?

which cra report did you check.

check another cra to be sure.

if they are not on there in any form, great.

also double check the one still showing is as it shld be.

Quote

have you moved since taking these out?

I have been at my current address for 13 years.

I have put my address on the CCA requests.

you send a CCA to whoever is chasing you.

but not if they are acting for a client.

it means you've caught them out cash cowing you.

well done

let them run.

until/unless one of 'em returns enforceable paperwork you now ignore them

Thank you you have been such a great help .

Well done on tackling this head on. It is so easy to be frightened or feel fear of phone calls, visits, letters etc. The truth is as you are finding out, you are being cash cowed. They prey on peoples fears and your accounts being put on hold general means as DX says they have been caught out and bye bye paying them anymore of your hard earned money.

I did this and had all sorts of fears and now all this time later I look back and see that it was fear more than anything and the reality is I was cash cowed like you for too long but cag helped me wipe off nearly 28K.

Keep hold of all the paperwork they send you. Laugh at the we may, we might letters or use them to line a cat litter tray

JC x

Hello me again! Any help much appreciated !!

PR Group - letter saying we enclose documentation we have to date....( it is a credit card agreement signed by myself in 2007.)

No amount on there.

Then they go on to say we currently deeded this debt unenforceable.

Any ideas what they mean as I am confused as I thought the signed paperwork was what they can take to court. Glad if they cant !!

Wetcloth - We have contacted out client and they have sent a copy of your agreement . They have sent a copy of the credit card application form (not signed). They are still asking for payment

Arow - Letter received stating -Unable to obtain copies of the documents you asked for , your account is unenforceable.

Moorcoft - Letter stating we are requesting the information you asked for.

Then goes on to say we are not seeking to enforce an agreement ..

.If you believe we are unable to ask that your account is repaid please provide us specific details.

Youve got it confirmed its unenforceable.

Ignore anything but an unlikely claim form now.

They know they cant do anything so theyre just trying to scare you into paying.

here

thanks .... That's good for the 1st and 3rd debt. Wetcloth sent a application form does that make the debt is enforceable?

Do I need to reply to Moorcoft?

thanks

scan up their letters please to pdf

upload

unfortunately I don't have access to the equipment to scan the letters.

yes you do

read the guide

use your phone or a tablet or anything with a digital camera

moorcroft-arrows - no CCA.pdf

the arrow letter is stating the client is Britannia recoveries

if they've got it

then its a lemon debt

you most certainly don't do anything before coming back here

the agreement will be a cut n past jobbie for sure

a dca stating another DCA is the owner 1000% shows they had no right to any money in the first place.

same with the Moorcroft one

another dca chasing for another dca

your debts have been passed around , which means for years you've been treated as a cash cow by them and their mates at step change

here this mug is blindly paying

you have a go he really does just blindly pay up.

we've all got our holiday paid for now, so we'll pass it to you so we can have a nice party and his expense.

dx

Moorcroft asking you to do their jobs - loosers, ignore that request from them - they are lame ducks

ok thank you so much your a star.

.. it is all abit of a minefield to me

but you seem to know a lot more than me luckily.

PR Group are saying their client is Vardi Experto.

When the letter is saying it can go on credit report for non payment.

The default can only go on once is that correct?