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SamDebt

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  1. Original Creditors Idem Capital Services - MBNA Limited Wescot Credit Services - RBS Mint Card Idem Capital Securities - Halifax - Overdraft Robinson Way - Lloyds CC Welcome finance - Welcome Finance Akinika Debt Recovery - We think 02 Blair, Oliver and Scot - Halifax CC Robinson Way - Tesco Credit Card Moorcroft - Nationwide Credit Card If i cancel the DMP won't they start harassing me again. Currently i don't pay interest so worried they will start that again. If i send of a CCA request - which apart from Welcome Finance, non are original creditors. What happens if they don't have a credit agreement with me or they fail to send it, I've read i can make a complaint about them but what happens to the debt? Sorry although i have been in debt forever i've always just relied on step change to provide me with the right advice so not sure on procedures.
  2. Thank you for replying My Debts are: Idem Capital Securities: £3500 Westcot Credit Services: £2433 Idem Capital Securities: £1742 Robinson Way: £868 Welcome Finance: £698 Akinika Debt Recovery: £350 Blair, Oliver & Scott: £221 Robinson Way: £159 Moorcroft: £88 Stepchange have been paying them off each month for years (this is a mixture of mine and my husbands debt from years ago, we have a joint step change account) most of them have only been getting a fiver a month for about 8/9 years! however we have paid off in total around 11K.
  3. Hi Wondered if anyone could help?? I have been payin of my debt for a LONG time through StepChange, to be precise i've paid off around £11k in 8/9 years and recently have changed to Pay Plan who have advised me to to a debt relief order which i don't really want to do. However my grandad recently passed away and my dad has £4k that he said he is willing to pay off my debt if i can get reduced payments on them all. Using the National Debt Advice Service templates and calculator i have sent letters to all my creditors which are all debt collection agencies to if they will accept a partial payment to settle the debts. I'm trying to get around 10k down to 4k. However upon checking my credit file, Noodle, which used to show all my defaults it no longer has anything on it so i'm wondering where these defaults or debts have gone? Westcott Service Ltd have recently written to me to say they have sent my offer to the Royal Bank of Scotland and is waiting for them to see if they will accept it however i assumed my debt had already been sold to Westcott so would be up to them. They also said my credit file would just be marked as partially settled which doesn't really bother me as i am a student and don't plan on even attempting to get a mortgage for at least 10 years by which time it would have dropped off my file. However if its not already there will the Royal Bank of Scotland add it to my file again. Hope that makes sense??
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