Hi

quite some time ago

I got myself into some difficulty mainly as a result of several redundancies and a failed business venture.

Due to this and feeling I had an obligation to pay my debts I entered into a DMP with Payplan.

have been paying £150 a month

again I'm finding myself in a redundancy situation

have started to think I'm not doing the best for myself.

I have a mortgage that I have never defaulted on and never had issues,

I've never changed lenders whilst in the DMP,

I have been making payments into since December 2011.

I went with a DMP as I work in an area that any CCJ's/Bankruptcy would cause me to lose my job.

In total I have a combined amount of just under £30k outstanding.

Creditor Default Date Opened Date

Santander 02/04/2012 15/10/2007 Loan

Link 31/05/2012 02/08/2007 Credit Card

Capital One 03/01/2012 13/02/2006 Credit Card

RBS (Westcot) 20/01/2012 04/02/2006 Credit Card

Link (CO-OP) 05/09/2013 16/02/2005 Credit Card

PRA (MBNA) 30/04/2012 23/09/2004 Credit Card

PRA (MBNA) 30/04/2012 01/11/1999 Credit Card

Nationwide Oct 2011 14/05/2009 Subject to Tomlin Loan

I'm thinking of stopping the DMP with payplan and potentially asking for CCA's from all of the creditors, apart from Nationwide as I think I've shot myself in the foot with the tomlin order.

The balance on this is approx £2700

if I can free myself of the other debt

I will divert the full amount to this and get it paid over 18 months.

Unless anyone suggests anything else.

My understanding of the CCA's is that prior to a certain date they are obliged to provide me with a copy of the original agreement but I might have that wrong.

Any help or advice would be greatly appreciated

yes CCA the lot

bar the nationwide CCJ.

was nationwide the claimant?

might be worthy go get some SAr running too

reclaiming penalties/PPI?

the other way is to simply cancel payplan

then wait for the deforestation to come thru your door and deal with each one then. by CCA?

obv you don't stop the tomlin.

Agree with DX here - Tomlin is good because you avoid the CCJ -itself.

Deffo CCA on this one - Keep paying the Tomlin. Was this Hoist portfolio by any chance?

Thanks, Ive been in touch with Payplan and told them I'll look after my accounts going forward.

The tomlin is with Nationwide, not had any dealings with Hoist.

Nationwide have kept the debt and they seem to have been ok as they are getting a little bit each month.

2 accounts have been sold to PRA & another 2 to Link.

RBS have recently sold the account onto Westcot and Santander & Capital One have kept hold of their accounts.

Looking at the ages of some of these accounts I would expect that they will find it very difficult to provide them, one of the MBNA accounts is 18 years old.

wescot don't buy debts, who are their named client?

pers I think i'd stop all payments bar the tomlin.

wont hurt to offer nationwide an F&F?

Sorry not been on recently.

I've stopped the DMP and sorted out payment on the Tomlin.

Just waiting letters now before sending out the CCA's,

1st letter arrived today from Capital One.

the Westcot account was an RBS account.

I rang RBS and they said it had been moved onto Westcot and they are reporting on my credit file.

Nationwide refused an F&F and want the full amount, though they have agreed to accept the amount I was paying on the DMP.

Hi

I've had the CCA request back from Capital One, unsurprisingly they have said the agreement is enforceable. would it be possible if someone could have a look at it see if they think it is?

I'm happy to scan the documents that they have sent me, which I have listed below.

They have provided a copy of the original agreement with my signature on it.

They have also provided a copy of the terms of my capital one CC agreement, this is undated

They have also provided 6 pages of T&C's that again are undated and look generic.

And finally a copy of the default notice that they say they sent to me, this is dated 01/12/2011, thought my default reported on my credit file is 03/01/2012.

I have also had a letter from RBS and they have told me that they have now assigned the debt to Cabot, but Westcot will still continue to manage the account.

scan all the CCA return to ONE MULTIPAGE PDF please

click upload

and then start a new thread in the cap 1 forum off the top left main forum tab

and post it there with a brief resume of the debt history and why you sent it

dx

Hi dx

I will do, but it'll have to be tomorrow. My laptop is steam powered and the scanner isn't much better.

Thanks