Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


+ Reply to Thread
Page 2 of 3 FirstFirst 1 2 3 LastLast
Results 21 to 40 of 46
  1. #21
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2010
    Posts : 22,321 (8.40 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    Quote Originally Posted by H&Amoney View Post
    I will this will be life changing do I just post on here what happens I don't know how else to contact you? Its like a dream!
    Yes. Keep all info as per post #12

    Dont add any personal identifiers, But make sure you come here if you have any questions. Follow DX's advice in post #12 so you can keep your debts separate and they wont get muddled with others. We can help you through this. It might take a small while, but you'll soon be debt free.

    To add to whats been said as well, nothing we do is against the law, it wont cost you anything by various companies charging you. The procedure we help you with is actually laid out in law and regulation. Its something the backstreet DCAicon's dont tell you, mainly because they are all very very VERY shady. They want your money even though theyre not legally entitled to it, nor are the debts legally enforceable in court.

    We want you to keep the money and learn from it so if it happens again, youre more knowledgeable in what to do>

    Again, going by your list of debts, it should be straight forward to get it sorted.

    Create a new threadicon for every single one of your debts please as per post #12 and provide as much info as possible such as dates, what happened, whose chasing you etc. The more info the better.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
    Follows
    0
    Following
    0

  2. #22
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    I will of learnt a massive valuable lesson would it be worth me looking on Experian signing back up I don't know about default stuff offhand.I have amazed myself finding all the account details and posting it all off today I'm not very technically minded I'm not sure if Ill cope with stress but ill do what you say take a step at a time.I presumed as I borrowed the money I would have to pay it back.


  3. #23
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    no need to pay for any credit files anymore
    noddle clearscore
    experian are all FREE now


    I doubt ANY of your debts show anymore

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  4. #24
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2010
    Posts : 22,321 (8.40 post per day)

    Default

    Quote Originally Posted by H&Amoney View Post
    I will of learnt a massive valuable lesson would it be worth me looking on Experian signing back up I don't know about default stuff offhand.I have amazed myself finding all the account details and posting it all off today I'm not very technically minded I'm not sure if Ill cope with stress but ill do what you say take a step at a time.I presumed as I borrowed the money I would have to pay it back.
    I admire your morals. But you need to throw them out of the window now and think about legalities instead.


  5. #25
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    I sent cca to all of the DCAicon ive heard back from 2 basically saying it will take a while in the meantime do I have any info I can send! its been just over a week the two ive heard back from are not cabot.


  6. #26
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    well once 12+2 working days have expired since you sent a CCA Requesticon
    you can stop paying that fleecer .....if they've not complied and we've checked it ...till they do.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  7. #27
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    I stopped paying stepchange the 2 replies ive had back one is 1st crediticon saying they are aware of dispute and will contact original lender/suspend collections activity whilst they endeavour to obtain documents.The other is Idemservicing who say we endeavour to provide the requisite information within the next 12 working days.


  8. #28
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    well done
    another cash cow removed from the DCAicon milking parlour


    pigs might fly them getting enforceable cca's too..


    dx

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  9. #29
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    When are the days counted from the day I sent or the day they received? do these letters buy them time ? Will anything happen will this be the end of things? still seems to good to be true


  10. #30
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    well that's what the DCAicon's said when you blindly started paying them..
    this is too good to be true..free momney..let go on holidayicon with it.


    that's what the +2 days is for posting.


    buy them time?? ..stops you continuing to be fleeced blind

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  11. #31
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    Ok thank you what do you mean the bit where you put we^ve checked it do I need to post something?


  12. #32
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    if you get anything back, like a cobbled together agreement and the T&C's you'll need to scan them up.
    go read/look at a few debt threads in the forums!!


    click the main forum tab top left [scroll up]
    drill down to the forum named the same as the original creditor that gave you the credit .
    click that forum
    read some threads

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  13. #33
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    ok thanks


  14. #34
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    Hi
    ive had replies from cabot stating they acknowledge the 12 day time limit.


    However, as they have had to request the details from the original lender they anticipate that it will take them longer.


    They hope within 40 days to comply with request , do I post this info under cabot or just continue to wait.......
    Thanks


  15. #35
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    cabot always say that
    they have as already advised 12+2 working days from you posting it
    if they fail to comply
    you can stop paying them.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  16. #36
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    ok thanks is there anyway legally it can go back to the original lender do they have any legal grounds or is that the whole point of all of this to see what they can come up with? I think I'm slowly getting it,


  17. #37
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 108,144 (27.13 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    doesn't matter who owns it if theres no Enforceable agreement


    dx

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    0
    Following
    0

  18. #38
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    ARRRGG made a small mistake

    I sent the SARicon to Lloyds and its joint but I only enclosed 10 po
    they just called me to inform me of this and asked me what paperwork I wanted to save sending irrelevant things
    I said ALL!!!

    hope this was the right reply,
    I also said I would send SAR for partner with po.

    The 12+2 days were up today I will post a letter of correspondence later from one of the DCAicon in the proper place
    they have stated that it will be defaulted on
    I was under the impression it had been as its 2009 debt

    .I'll post it when I figure out how to scan it.


  19. #39
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    Lloyds at one point in our lives loaned us as a charge on our home 10k to take on a ltd business
    not sure how relevant that is
    we cleared it so our home wasn't at risk

    would we be able to use relevant paperwork for anything else as they freely leant us way too many loans hence the mess we are in.


  20. #40
    Basic Account Holder H&Amoney Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Jul 2017
    Posts : 35 (0.26 post per day)

    Default Re: old stepchange dmp - cant afford payments now

    after the 12+2 days which ended on Friday

    2 DCAicon haven't replied at all

    ,I just need to sort my husbands SARicon as I slipped up with the postal order just off me that'll be done Monday.

    Will they all of been defaulted at the time of passing to DCA?

    I have no way of checking as it was in 2009 off file now.



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details