Jump to content


been with stepchange for 9yes - help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2657 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi All,

 

I am very new to this kind of thing but was hoping that this forum would be able to provide me with a little help.

 

My wife and I entered into a DMP agreement in 2009 with around 46k of debts from 7 different lenders. All unsecured debts from credit cards and loans and we have never missed a payment to Stepchange.

 

All debts have now gone from our credit files and there is no evidence of us being on a DMP.

 

My question is this, as all of the debts are statute barred and our credit files are clean and we was to come out of our DMP and self administer would the debts reappear on the files and would I have to declare to a mortgage lender that we was on a DMP?

 

Thank you for your help in anticipation of reply.

 

Paul

Link to post
Share on other sites

Can't be sb'd if you are paying them!!

 

Who are the companies that get paid through the DMP?

Hope none are powerless fleecing DCA's??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Can't be sb'd if you are paying them!!

 

Who are the companies that get paid through the DMP?

Hope none are powerless fleecing DCA's??

 

Hi dx100uk,

 

Thanks for your reply.

 

6 of them are now DCA's.

 

I thought SB was once the debt was past the 6 year mark?

Link to post
Share on other sites

no 6yrs since your last payment

 

 

shame stepchange nor any DMP provider ever question the legality of debts.

 

 

i'd be sending a CCA request to everyone of 'em

[bar bank account OD or mobile debts]

 

 

bet 90% fail the 12+2 working days deadline

sadly I smell a cash cow here

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

which DMP are you with?

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

:D

Link to post
Share on other sites

we have never missed a payment to Stepchange

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ahh my bad. Reading on my phone so prob swiped too fast

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

:D

Link to post
Share on other sites

  • dx100uk changed the title to been with stepchange for 9yes - help
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...