Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21

    Default Re: been with payplan for 12yrs..now advise IVA.

    sorry what does that mean?

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  2. #22

    Default Re: been with payplan for 12yrs..now advise IVA.

    Wescot Credit Services

    The original owners were RBSicon.

    I presume i send cca to wescot.


  3. #23

    Default Re: been with payplan for 12yrs..now advise IVA.

    Wescot do not buy debts and therefore not the creditor...only chase....CCA Requesticon to RBSicon


    Andy

    We could do with some help from you

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  4. #24

    Default Re: been with payplan for 12yrs..now advise IVA.

    Thanks Andy


  5. #25

    Default Re: been with payplan for 12yrs..now advise IVA.

    Make sure its RBSicon and not Nasty West

    We could do with some help from you

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  6. #26

    Default Re: been with payplan for 12yrs..now advise IVA.

    In Summary i am sending 1 postal orders with letter.


    Cabot Financial (Europe) Ltd .. CCA Requesticon
    Cabot Financial (Europe) Ltd .. CCA Requesticon
    Cabot Financial (Europe) Ltd .. cca request
    Cabot Financial (Europe) Ltd .. cca request
    Hoist Finance .. cca request
    Lowell Financial Ltd cca request
    Moorcroft Group Plc cca request to ARROWS
    Moorcroft Group Plc cca request to ARROWS
    NCO Europe Ltd .. cca request
    PRA Group Ltd .. cca request
    PRA Group Ltd .. cca request
    Wescot Credit Services cca request to RBSicon
    Wescot Credit Services cca request to RBS


  7. #27

    Default Re: been with payplan for 12yrs..now advise IVA.

    not NCO, their clients amex

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    RIP Martin3030

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  8. #28

    Default Re: been with payplan for 12yrs..now advise IVA.

    thanks will send it to american express


  9. #29

    Default Re: been with payplan for 12yrs..now advise IVA.

    just a quick question should i use the old american express account number or NCO which is a different account number.

    thanks.


  10. #30

    Default Re: been with payplan for 12yrs..now advise IVA.

    on all CCA Requesticon you use the OC's number

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  11. #31

    Default Re: been with payplan for 12yrs..now advise IVA.

    All?

    I have 4 accounts with Cabot so i send the CCA to Halfax Credit Card Services who owned the debt in 2005?


  12. #32

    Default Re: been with payplan for 12yrs..now advise IVA.

    grr read things properly and carefully.....

    a CCA Requesticon goes to the OWNER of the debt now.
    the account number you use on the CCA Requesticon is the ORIGINAL ACCOUNT NUMBER from the ORIGINAL CREDITOR.

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  13. #33

    Default Re: been with payplan for 12yrs..now advise IVA.

    Regarding american express on payplan 2005 it states Newman & Co plus an account number.

    In 2015 it reads American express / NCO plus another two account numbers.

    Advice please.


  14. #34

    Default Re: been with payplan for 12yrs..now advise IVA.

    nco is newman and co.

    use the 16 digit card number
    send to amex

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  15. #35

    Default Re: been with payplan for 12yrs..now advise IVA.

    thanks


  16. #36

    Default Re: been with payplan for 12yrs..now advise IVA.

    RESULTS.....SENT REQUESTS 21 DAYS AGO

    Cabot Financial (Europe) Ltd .. CCA Requesticon.......They have stated UNENFORCEABLE
    Cabot Financial (Europe) Ltd .. CCA Requesticon.......They have stated UNENFORCEABLE
    Cabot Financial (Europe) Ltd .. cca request.........3RD Account they have failed to reply
    Cabot Financial (Europe) Ltd .. cca request.........4th Account they have failed to reply
    Hoist Finance .. cca request..............They have stated REQUESTING INFO
    Lowell Financial Ltd cca request.........They have failed to reply
    Moorcroft Group Plc cca request to ARROWS..They have failed to reply
    Moorcroft Group Plc cca request to ARROWS..They have failed to reply
    NCO Europe Ltd .. cca request.................. ...They have failed to reply
    PRA Group Ltd .. cca request.................T hey have stated REQUESTING INFO
    PRA Group Ltd .. cca request.................T hey have stated REQUESTING INFO
    Wescot Credit Services cca request to RBSicon....They have informed me that they have legally sold the debt to CABOT (sent cca request today)
    Wescot Credit Services cca request to RBS....2ND Account They have informed me that they have legally sold the debt to Cabot(sent cca request today)

    What do i do next?

    I am due to pay PAYPLAN my monthly payment.

    Thanks for any advice.


  17. #37

    Default Re: been with payplan for 12yrs..now advise IVA.

    so I make that about 45k worth of debt looking uncollectable and out the hands of the cash cowers.

    now you stop paying Payplan so the ruddy fleecers all don't get their money, shame 90% of their staff wont get a free family holiday on you this year!!

    dx

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  18. #38

    Default Re: been with payplan for 12yrs..now advise IVA.

    what should i do about those who did not reply?

    should i send a follow up letter?


  19. #39

    Default Re: been with payplan for 12yrs..now advise IVA.

    nope - they failed - they had 12+2 working days...end of problem.
    STOP PAYING .

    if par chance any of them latter send you anything they claim is paperwork relating to any of the debts
    start a new threadicon off the top left main forum tab.
    scan EVERYTHING up to ONE multipage PDFicon
    after carefully following uploadicon<<Clickme
    and WE will check it..but I doubt it...well done!

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  20. #40

    Default Re: been with payplan for 12yrs..now advise IVA.

    thanks for your help


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