Sorry if this is long winded, will try to get all info here on 1st attempt

5 x creditors total outstanding approx. 46K

Barclays loan with Cabot – debt purchased by Cabot

Barclays overdraft with Barclays Recovery – debt still with Barclays

Store card with Cabot – this one is clear, see below

Mint card with Westcot – not sure if bought or just being collected

Barclaycard with Mercers – not sure if bought or just being collected

Store card with Lowell – not sure if bought or just being collected

All were in default but now expired (2016) on credit report, which is going in right direction.

Entered DMP with Financial Atlantic (FA) approx. 2008,

paying £150 pm across all creditors,

have been model client and paying regular.

During this year’s DMP review,

it was clear that FA would not entertain any CCA requests and would only negotiate F&F at rate of 40%, plus there 10% charge on savings made.

After checking forums, I decided to go for CCA requests myself,

letters sent 1 week ago,

Cabot already replied for the store card debt and will no longer pursue the debt as cannot obtain CCA, £3.3K gone.

I asked FA to hold all payments to creditors pending CCA replies,

they have now advised my DMP account will be cancelled and to continue discussions myself with creditors,

I guess they saw what I was doing and wanted no part of it.

FA will write to creditors advising plan is cancelled.

My option,

as I see it,

is await for CCA results,

if no CCA, debt unenforceable, ignore,

if CCA, then maybe go for F&F starting at very low figure,

I am guessing for bought debt,

I have paid more than the purchase price already,

others were only on token payment,

duration left for each as per my DMP between 8 and 15 years,

one (Barclays loan has 38 years at current payment)

I understand these debts cannot be put back onto credit file as once defaulted that’s it, am I correct here?

Has anyone done similar, what was result and how should I play this now.

Good thing Financial Atlantic cancelled as they were no doubt taking a percentage of everything you paid.

Continue as you are. CCA requests for any credit account. And Bank account get hold of statements to look into excess charges.

Any PPI reclaims ?

Once the defaults come off after 6 years they can't be added back on.

With the stopped payments, they should start writing to you. Best to start a new thread about each debt, once you start getting replies. Too confusing to deal with all debts on one thread.

i bet you were paying them for your dmp

cash cowed blind

send FA an sar

I bet theres a F&F pot sitting around that they never to you about.

at least from your replies, it seems I am doing the right thing NOW.

yes FA charged me £23 PM

had PPI claim from Barclaycard last year, I got the money from that, it did not go to pay off debt

will post new thread as the CCA story unfolds

well done.

you removed yourself from the cash cowing DMP

you removed yourself from the DCA's milking parlour too

this and other forums provided me the confidence to act, reading other persons posts and the replies gave me renewed energy to move forward and try to get these debts cleared up.

small donation made in my appreciation for what you guys do providing advice, hoping more to follow as I take future advice and move forward with closing out my debt

Just received text from Cabot (they must have had number from very old contact), it reads

thank you for your payments to Cabot, your next payment is due in 2 days.call us on XXXX if you need anything.

very nice people, lol, but they will not be getting any communications until I get my CCA or written communications in response to my CCA request

am wondering if this is a panic message or just because my DMP is cancelled ??

dunno ignore them