Hi,

I've been with a fee paying dmc (Imm fin ) for over 4 1/2 years with a debt settlement plan I had 4 credit card debts ,

They cleared one with Barclaycard within 6 months but since have done nothing although my monthly payment dropped to £30 a month after being layed off work , now I'm self employed and pay them £50

1,They make £5:00 a month payment to capital one

2, £1:00 to Moorcroft

3, £1:00 to Moorcroft

What are my next steps to take ?

CCA request to each one.

yes dump them

they have no more clout than you

and there are free ones out there too.

dx

Hi dx

Thanks for the reply,

CCA each of the creditors

Dump Imm Fin

Hi dx

Thanks for the reply,

CCA each of the creditors

Dump Imm Fin

A quick update I've dumped the DMC managed to get a little bit back off them that was in the fund should I SAR them also ?

The CCA's are being sent tomorrow .

Ive inclosed a separate letter informing I'm self managing my DMP starting from the 1/12/16 requested account number to send payments .

Any other information would be great from you if possible .

Thanks again

I wouldn't of enclosed a sep letter

but there you go.

yes SAR the DMC.

dx

Thanks dx

I'll leave the sep letter out for the time being till I hear back from the CCA requests .

Mack35

Thanks again for your help

Is it ok to sign the SAR to the DMC

I would think so but best to check

you ALWAYS sign an SAR

read the sar thread and all its posts

Thanks for that DX

Hi all

Update

Had CCA request back from capital one, agreement signed 02/04/05 statement of default was issued July 2010 could you advise how to proceed

please .

Also same day had letters from moorcroft ,

one account belongs to arrow global which they have requested the relevant documentation from them who will forward it to me when it is received .

Second letter

Account belongs to barclaycard (Formerly Egg banking plc )

Saying exactly the same thing

Again your advise would be appreciated

Thanks

Also had email from Imm fin someone is dealing with my SAR

can we see the cap1 cca return please

can you scan it up to one multipage pdf

follow the upload

if any have failed the 12+2 working days return deadline

then one option is to cease payment to them

what are the two debts with Moorcroft please

Hi dx

Thanks for the reply

I will upload asap

Moorcroft are collecting on behalf of barclaycard (formerly egg card ) & Arrow Global Guernsey ltd both credit cards

old egg card now with BC

cap1 card still with cap1

so what card does arrows have?

old egg card now with BC

cap1 card still with cap1

 

 

so what card does arrows have?

Egg with BC

Cap 1 still Cap 1

Arrows I think is mbna

Still waiting CCA reply from Egg with BC, moorcroft

Have informed them

And moorcroft have informed Arrows also of my CCA request.

I could upload the moorcroft letters also ?

Thanks again for your time and help .

whatever you wish

but I can assure you

we've seen every letter 1000 times before

I would totally be ignoring Moorcroft go direct

it give powerless dca's some form of grandeur if you use them

they are powerless

Hi another update

moorcroft has kept my £1:00 P.O it was not made out to any company so I assumed it would be past on to arrow .

Moorcroft forwarded my CCA request to arrow and enclosed a cheque made payable to arrow .

Arrow has written to me informing they are not the creditor and are willing to assist in obtaining which has been requested and will process my request for the documents from the creditor Mbna

They also confirm collection activity will be suspended pending provision of the documents and my payment is returned

The cheque returned to me is made out by moorcroft made payable to arrow ?

Any input would be appreciated again .

Happy Christmas to all also .

ignore it its only £1.

until/unless ehomever owns a debt

satisfies your CCA return wih an ENFORCEABLE agreement

you can cease payment.

yet another cash cow account then...

Thanks dx for your reply

Merry Christmas .

Hi all ,DX 100

i have some updated info regarding Barclaycard , Moorcroft and Arrow ,

ive uploaded the letters.

Also checking my SAR paperwork

all accounts defaulted around the middle of 2010 so should my credit file be clear of these and could they add more default non payment to my file after 6 years?

Again thanks for your time and any advise would be appreciated

Mack35.

so three more cash cow accounts to stop payment on there

as for the egg stuff

simply something someone got out of a filing cabinet

nothing to do with you.

as for credit files and defaults

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off, paying now or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]

oh I do love removing the cash cow from the milking parlour

Hi DX100,

I've now received a copy of my agreement/statement from Arrow after 10months of CCA request and they are going to contact a third party to manage account

(letter uploaded ) if enforceable

what could I expect next?

with Capital one I make payment every month and not heard a thing.

Thanks again for any advise.

time to start splitting these off

go start a new thread in the MBNA forum

off the top left main forum tab

else its gonna get mighty confusing here

dx