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KX3

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  1. Many thanks to you all for your support. You have given me some confidence that they might not be able to produce the agreements. I will be back to post up the replies, whatever they say, and we can go from there. KX3
  2. Hi everyone, I have been struggling with debt since I was 18, I am now 36! This all started when I wanted my first debit card from Barclays. They said no, but instead offered me a credit card to 'build up my score' so they could then give me a debit card. Absolutely true! Long story short, I took the credit card and things quickly got out of hand. A few years later I was offered both a debit card and an £11000 loan to 'consolidate' the debts I had accumulated by Lloyds... A few cards, loans and 15 years later I still have around £8000 outstanding. I have not taken out any new credit for a long time, these are all old debts. I have been trying really hard to pay it all off with Payplan for at least 8 years now, and have paid off around £10000, but I am still a long way from the finish line. I recently took a settlement from Clarity of £500 on a £2000 debt which I was very happy with, though still have £600 in overdraft debt, £2000 on a CitiCard and £5000 on a Lloyds loan outstanding. All of them have been sold on to other companies and were defaulted a long time ago. The £600 and £2000 are both owned by Cabot, and the £5000 by PRA Group. I believe that both of the larger outstanding sums predate 2007 by some margin. Over the past few years I have offered on multiple occasions all of these companies settlements, ever increasing, with the most recent being £2600 to PRA and similar percentages to the others. ALL of these companies have declined EVERY offer I've ever made, and I don't understand why. I'm trying my best, they've already had thousands out of me, and nothing I can offer is ever good enough. I read about discounted settlements other people are getting all the time, but no-one will offer me one. They've never sent me any letters offering a discount. It's like they want to draw this out forever and I'm at the end of my tether with it all! today I sent a CCA request to both Cabot and PRA on the £2000 and £5000 accounts, since I believe they were both taken out some time before 2007. The £600 account was an overdraft, and may have been within the last 10 years. As it's not too big, I'm hoping I can get somewhere with the bigger balances then settle the overdraft at whatever they're asking for. I'm posting now as there are so many threads with different things happening after the CCA response is received. I really have no idea what to do next, so when (if) I get a response I would like to post back here with copies of the letters and hopefully someone can help me? Of course I'm hoping that these CCA'd debts are unenforceable, and if that turns out to be the case I do still want to pay the accounts off by way of settlement and will need some help to do that too. I want to do that for my own peace of mind, and I know some people just ignore them once they know they're unenforceable, but personally I would like to clear them off even if it's for just 10% of the remaining balance. I want them gone. Any advice in the meantime whilst I'm waiting for replies would be most welcome. On a separate note I registered for both of the CRA's I saw mentioned here, Noddle and ClearScore, but neither of them were able to provide me a report. Both said insufficient data or words to that effect. I am registered on the Electoral Roll, have a mobile phone on contract, and pay most of my bills by DD. Any guesses? Thanks all, KX3
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