I am asking this for my partner having read numerous posts on the subject

i would just like a bit of advice on the direction she should take

She has been with Gregory for about 12 years as far as she can remember,

she has paid off most of her debts and is not looking to dodge any debts she still has to pay off

Last week she received a call for her annual review she currently pays £35 per week and has never missed a payment

During the annual review (which i told her she was not obligated to do )

she told them that her financial circumstances had not changed

they interrogated her and came to the conclusion that they could no longer help her as she couldn't afford the payments that she had been making

This was mainly because she refused to include both my income and her adult sons income into the equation as none of the debts are anything to do with us

the position she is in now is that she has four debts totalling £2300 which i can pay off in full

The highest being about £900 the lowest £150

at present i cant be more accurate a

s i have not got the information to hand

i think that the money is owed to

Next,Santander and a DCA i cant remember the other one

What i need advice on is should she

A Contact Gregory pennington and ask for account numbers and contact details

B Wait for the companies that she owes the debts to contact her

If she takes option B will this affect her credit file as nothing is showing on it at present

Im hoping that if we deal with the creditors direct that i can secure a discount having never done this before what sort of discount should i ask for

Thanks in advance

oh god 12yrs with greedy pennys

whereby most her money went on paying their fees

I bet 90% of her debts weren't even owed or were unenforceable anyway

as the greedy pennys never ever do any checks

just blindly recommend paying as they get a cut of her payments going out too back from each creditor.

just stop paying them

send GP an sar to get all the details.

the debts cant comeback on her credit file

as they would have been defaulted years ago and already been removed.

oh and when you do get the info

don't go blindly paying anyone

come back here

Ok thanks for the reply

this is the information she has received from greg pennington

National collections office £36 per month balance £940

Debt managers (scotland) £6 per month balance £174 (Next LTD)

National collections office £9 per month balance £255

Cabot Fianancial services £18 per month balance £532 (MBNA Credit card)

Santander UK £23 per month balance £558

I wrote earlier that she has paid off these debts for many years at £140 pm

which means that gp were taking £48 for passing the money on

but they served a purpose

we all know that people react differently to money issues so what has happened in the past regarding gp has happened

What we need to know is the best way forward

Cabot (suprise suprise) and Debt managers Scotland are the first out of the woodwork a letter was received yesterday ,

from there actions i would assume these are the two dodgy ones as they have already started the ball rolling to try to extract money from her

Just in case they start threatening stuff

can any of the debts have interest added by the current holders of the debt as all interest and charges were frozen at the outset

sent them each a CCA request. [cabot, debt managers]

who the beep are National collections office ?

and what are the debt types

National collections office == Shop Direct No doubt

Silly me

Its NCO

A powerless DCA

Can we have the debt types and original creditors please

Sorry for the delay my previous post are about all the details we have I am trying to deal with them as the letters arrive so far only Cabot and national collections have contacted her

Cabot were sent a CCA request they have sent the postal order back and said they will endeavour to locate the information required but it may take more than 12 days they also

offered a discount on the outstanding amount of approximately £100

they also want her to ring and discuss with her where the funds are coming from and that priority bills are up to date if she was able to accept the offer

My thoughts are that they just want to obtain a phone contact so that they can apply pressure on her

you NEVER EVER RING A FLEECING DCA OR THEIR DOGS.

no CCA = NO pay

and even then who says its enforceable!!

Can we have the debt types and original creditors please

Ok im dealing with them as they come in the Cabot one is a credit card MBNA

The national collections one is a Next store card

Santander is a unsecured bank loan

I think the other National collections if littlewoods

At present I'm just in contact with Cabot by letter and email

Cabot have decided that they will not be able to find the signed credit agreement so they are no longer chasing the debt

good one cash cow account removed

hows the sar to greedy penny's doing?

dx

GP are collating all the paperwork which in their words is a very time consuming task how long do they have to complete the task

Also my thoughts are that the other debts won't have the relevant documents to enforce them

At present I'm just waiting for the other creditors to contact her but they do seem rather shy at present which is surprising

40 days if you sent them a SAR??

The reason why they're ''shy'' is because they know they've been rumbled, and will no longer be getting their ill gotten gains.

Still heard nothing from debt managers who i sent a cca request which was a Next card outstanding balance of £168

However I now have a letter from a company called CSL ( credit security ) who say they have been instructed to claim the debt

Should I send these a prove it letter as it looks like its been sold on

If that's the case I doubt whether there's a valid CCA

No send them nothing....... When did you send the CCA request?

TBH a pittance amount under 200 quid is pocket money.

I wouldn't waste my time chasing DCA's and doing their work for them.

Sent CCA request 13 th Jan I would have thought they can't produce one so they have sold it on

No CCA No pay.

If they're dumb enough to flog it on to another clueless dimwit then that's not your issue.

You simply ignore them for the time being.

CSL/debt managers ...same lot!!

Ok is that a good thing or bad they obviously don't have a CCA so do they just hope a fresh name on the letterhead makes you think they have one

makes you think they have one of what?

Trying to make you think they have A signed credit agreement

To me it just seems like a waste of time if they havnt got a CCA

whats the point of pretending to be another company at the end of the day

they won't be able to produce one either

do you think powerless dca's did anything else but spoof people that's all they can try and do

sadly 99% of the general population fall for their powerless threats.

Yes it's certainly helped me reading the threads and asking for advice on here

Quick update received reply from credit security Ltd reference CCA request

We are unable to action the enclosed as we are no longer instructed in this matter

Please forward all payments to debt managers --Next

We apologise for the inconvenience

They have returned the postal order