Hi BB, in answer no she doesnt bank with Lloyds anymore. And I sent an email to my DMC this morning cancelling their services and asked for all paperwork related to my account to be sent to me. I've set up SOs with my bank to pay a token £1 but I'm having dramas finding banking details for the following DCAs if you or anyone could point me in the right direction as i've tried CAG and google'd the companies but I just cannot find the details anywhere and I don't want to have to ring the DCAs to get the details. But I will if I have too:cry:. The banking details I cannot find are as follows, if you or anyone who reads this can either post the details on here or PM it would be much appreciated, just so I'm covering my back : IQOR LINK FINANCIAL AIC UK LTD RELIABLE COLLECTIONS CAPQUEST The others get there token quid tomorrow, and I'll be sending off my SAR to HSBC and Lloyds aswell. Here is a question, do I actually sign the SAR or just type my name? Cheers troops PM

BB I've had numerous DNs, however I was always asked by the DMP people to send everything to them, not thinking to keep a copy for myself. I did have to installment default notices off 1st credit last month, this is what prompted me into action, as they (dmp people) get their money the day after I get paid and they obviously hold onto it until the last minute before senting to the creditors, and the payments are always late, adding more charges on. But as far as the loan goes, the long haired colonel was told she had to have the PPI with the loan and obviously the late fees ontop. So I'll see how I go with AIC UK Ltd with the CCA as previously advised. Unless this is not correct and I need to send a SAR as there is an overdraft with Lloydstsb as the loan is aswell. I will give them all a token quid as you say, and work out my I&E, its expensive living in Germany!!! I will have a look into the DNs, to be honest I could mug off the wife's debts as technically she doesn't work if I tell the DCAs that, its not like they'd come to Germany to find out:D, I just pay the bills as far as they are concerned! But thank you for the advice and from everyone else on here. Does CAG have a template I&E sheet? I will keep everyone updated, when I start getting ****ograms and I need help! I will lead from the front and fight till the end!

Hi BB and RI Already sacked my DMP people and cancelled the Standing Order. I've only set up a few standing orders for other debts than I know I'll have to pay, first payments tomorrow for the amounts they have already been getting. I haven't got a problem with paying (the CCA recipients) them something around what they normally get, as I have most of their banking details anyway. Would you recommend the full amount or another amount? Also if they do have enforceable agreements, the likelihood that I get it via recorded delivery within the stated time, knowing my postal system, I should be able to blag it and have a dispute in regardless. If not I can just go back to paying them what they get now. Would this be right? And then the bank account ones I can SAR? Ta PM

RI - Thanks sending out 9 CCAs, will hold out on the SARs in that case. For anyone who is also wanting to send CCAs to any of the following please see the addresses I sent them to: AIC UK Ltd, ANDERSON HOUSE, 389 ARGYLE STREET, GLASGOW, G2 8LR CAPQUEST GROUP, FLEET 27, RYE CLOSE, FLEET, HAMPSHIRE, GU51 2QQ IQOR RECOVERY SERVICES LTD, 33/34 WINCKLEY SQUARE, PRESTON, PR1 3EL LINK FINANCIAL, 5 TRECENYDD BUSINESS PARK, CAERPHILLY, MID GLAM , CF 2YD RELIABLE COLLECTIONS, 53 DALE STREET, MANCHESTER, M60 6ES 1ST CREDIT LTD, ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, RH2 7 RP ROBINSON WAY LIMITED, LONDON SCOTTISH HOUSE, QUAYS REACH, CAROLINA WAY, SALFORD, M50 2ZY I also found when I was looking for the addresses online that AIC UK Ltd was dissolved in May 2008. I've sent them a letter regardless as someone has been taking the money that I have been paying. If they are dissolved surely they cannot operate and collect money.

RI Done my CCAs today, they are going off in the post tomorrow. I've been looking for a DSAR template on this forum cannot find one, can you point me in the right direction and who do I send them to, the bank or the DCA. Ta PM

Hi Loobyloo Just reading your thread, did you manage to get the bank details for Crapquest as I'm not wanting to ring them, so I can start up a standing order with them. Cheers PM

Hi BB So even though I send the CCAs, I still pay them until I put a second letter in due to no CCA being sent? Or stop paying them as of today when I send the requests? It confused with that bit. Ta PM

Cheers RI, will update the thread with the gash responses I get, should have done this years ago!! Just sick of getting mugged off!

That stuff doesnt bother me, I've always declared my financial situation, thats not a problem, someone would have to chop my body apart before I even contemplated selling up my colleagues or country for a bit of bish bosh. I know how vetting works. I've prepped my CCAs would it be worth sending out DSARs to other banks in regard to PPI and bank charges tomorrow aswell, these would dramatically reduce my amounts I think. As I've now got the bit between me teeth, thanks to the forums!!!

Hi ScarletPimpernel, you talked about other means but not on this forum, how can I contact you by other means. As I'm about to stop the Standing Order to the DMP people, pay some of the DCAs directly (for the newer debts) and CCA the older ones until I have my CCA if they can find them. Well I've taken my life into my own hands and cancelled the DMP payment, will write my CCAs and get them sent off tomorrow. And will be back again when I start getting letters off them no doubt. I will be starting DSARs aswell to try and claim back PPI and charges aswell. So far the replies have been a great help and given me the confidence to deal with these leeches myself instead of paying someone else to send a few bits of A4 out on my behalf. I'll keep the thread updated. Cheers guys and girls

They have my works address in Germany, that is were the DCAs send their monthly statements.

Hi Bazooka Boo, when I say post is an issue, I live in Germany at the moment. Not on top of a mountain, I should have been a bit more specific. Just got my updated DMP from Byrom and Keeley that I asked for which I'm very surprised at. I am concerned that if I stop paying Byrom and Keeley, don't pay the DCAs either and then send out CCAs to the DCAs that they'll mug me off and go straight to my employers who would take a very dim view of my situation. I can send Recorded or Registered Post from Germany aswell. Bazooka Boo forgot to say the debts are for Credit cards, loans, overdraft and Next Directory (don't know what they come under). If there are certain letter templates depending on the debt could you put the links down please if you know of any.

Yes they get 87.50 after my creditors have been paid, as they deal with them direct, that is why I'm on here, to get advice on which way to go, as I've been paying for years and it seems neverending.

Hi Royal Irish The DCAs are as follows: Aqua Card Services iQor Link Financial (very old debt) Robinson Way x 2 (very old debts) H L Legal Collections Solicitors (I think from my reading they are just Capquest) 1st Credit Limited x 2 AIC UK Ltd Reliable Collections Ltd Lloyds TSB Bank Plc (its for an overdraft) Capquest (in addition to H L above) The DMP people get a payment of 87.50 after my money has been spread about.

Hi I'm new to the website, I've trawled through just about all the threads I think are of relevance to my situation, but I feel my head is going to explode with the information overload. I could do with some advice. I currently have a DMP with Byrom and Keeley working out of Manchester. It just so happens I'm off work at the moment and I actually decided to scrutinise my monthly plan that had been distributed on the 3rd June 10. There were alot of amounts that Byrom and Keeley stated that were not correct, as I get monthly paperwork from various DCAs with the usual you've paid this, you owe this can you afford anymore. And the figures the DCAs are giving me are way off what Byrom and Keeley are saying (B&K in some areas stated alot more than the DCAs). I rang them and asked to have confirmed what each Creditor balance was and what monthly rate they pay it at. They told me they had 24 hrs to come up with the goods, which I requested be emailed to me, as I work outside of the UK and the postal system isn't the best where I am. The 24 hrs runs out in about 2 hrs and I doubt I'll get the answers to my questions. Running on from that I've read numerous threads regarding CCAs requests (I have quite a few debts from longer than 6 years ago), which I pay every month at a reduced rate and I pay for my wife's debts aswell (this isn't an issue). Now if I don't get a reasonable answer from my DMP people should I go down the line of starting to ask the DCAs for CCAs and stop payments until I receive them, or should I stop paying money to the DMP people and pay the DCAs directly myself? Anyone who can advise on my situation would be greatly appreciated and if it's recommended I stop paying the DMP and request CCAs could they send me the link for template letters that I should send? I thank you all in advance.