I personally know somebody who got a mortgage with an IVA so I know its possible as that's more frowned upon. I appreciate I won't get as good a deal having a DMP to my name though.

Been in DMP for about 5 years. So defaults will be gone within 2 years.

Cabot (was Halifax) £2300

Cabot (was Halifax)£3250

CashEuroNet (aka Quick Quid) £770

Instant Cash Loans (aka Payday uk)£305

Link (was Co-op) £5700

Moorcroft (aka Home Retail Group) £132

Nationwide (as is) £4200

Although one of these does not even appear on any of my credit reports.

Who are moorcrofts client

As for the pdl's start a thread in the pdl forum

You could have these wiped under irresponsible lending rules

What are the respective default dates??

Moorcroft is Argos i think.

Cabot (was halifax) £2300 - DEFAULT 23/01/2014

Cabot (was Halifax) £3250 - DEFAULT 08/10/2013

CashEuroNet (aka Quick Quid) £770

- UNSURE

- NOT ON CREDIT FILE

- STARTED PAYMENT ON DMP 21/06/2013

Instant Cash Loans (aka Payday uk)£305 - NO DEFAULT - LATE PAYMENT

Link (was Co-op) £5700

- UNSURE

- NOT ON CREDIT FILES

- STARTED PAYMENT ON DMP 19/06/2013

Moorcroft (aka Home Retail Group) £132 - DEFAULT 22/08/2013

Nationwide (as is) £4200 is I think - DEFAULT 25/01/2014

Thanks for replies

Hello all.

I am currently paying into a DMP with PayPlan and all of the creditors are shown on the CRA's except one, which I cannot find on any of the CRA's.

I was wondering if this loan remains the only one outstanding and not showing on my credit file, mortgage lenders won't know that it's outstanding? Correct?

Also should I still be paying this debt?

I have no idea when it was taken out or what the original amount was.

Any advice appreciated and will be rewarded with a donation once i'm in the black!

Possibly its now expired its 6th anniversary and fell off.

Andy

Possibly its now expired its 6th anniversary and fell off.

 

 

Andy

I don't think It was ever showing and i made my last payment vis DMP about a month ago.

Ask Payplan to confirm the details of the debt ?

what type of loan and who with?

if it was defaulted more than 6yrs ago it wont show?

who are you paying thru PP?

time for a CCA request?

and did you CCA everyone else on that list you are blindly paying through PP?

dx

i'll upload now.

Yes I sent CCA Letters to all who aren't original lenders. Since Cabot told me the debts are unenforceable, I haven't paid anything to anyone. My Nationwide has recently been referred to Moorcroft. Payplan hve now 'disowned' me for not playing ball.

You should CCA the ones that are still with the OC's too.