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danny1105

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About danny1105

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  1. shall i scan it and attach to this thread?
  2. Thanks. As they have supplied a copy then I must assume they have complied with the request
  3. Thanks. Can I ask what constitutes an enforceable CCA?
  4. Hi After a long wait pursuant to sending a CCA request to Intrum they finally sent a copy of an agreement and copy statements but no page showing my signature. I had been paying this anyway within my stepchange repayment plan but I have now come out of the plan and would like some guidance on what my next move should be? Thanks
  5. Barclaycard was taken out in 2007. there are other debts too within my DMP
  6. Thanks for that.I will get Stepchange to cease payment until the CCA is received
  7. Here is the reply received from Lowells. Should I inform Stepchange or will Lowells cease payment from their end? Lowell Creation reply 180319.pdf
  8. This is the reply i have received from Intrum. Should I inform Stepchange or contact Intrum to say that they cannot collect without the CCA? and ask them to cancel the monthly collection from their end? Intrum Virgin Money reply 260319.pdf
  9. This is the reply i have received from PRA. Should I inform Stepchange or will PRA cancel the monthly collection from their end? PRA_Barclaycard_reply_150319.pdf
  10. Hi. I sent out my CCA letters. A couple have come back with copies of the signed agreements. For the ones that haven't or have sent a holding letter, could someone please refer me to the up to date follow up letter that I need to send TIA
  11. Could someone please let me know which section of the CCA applies to an overdraft please?
  12. Thanks will get all those sent out Cant find any paperwork for the Amex / NCO card. Will have a further look. Credit file says American Express
  13. halifax Credit Card with Wescot £3967 Taken out 03/04 Defaulted 23/05/2017 Bank of Scotland Credit Card with Wescot £8580 Taken out 12/2006 Defaulted 23/05/2017 Barclaycard Credit Card with PRA £7773 Taken out 06/2007 Defaulted 22/03/2017 Virgin Money Credit Card with Intrum £6783 Taken out 08/2011 Defaulted 17/07/2017 Creation Credit Card with Lowell £1657 Taken out 04/12 No default date on credit file Nationwide Credit Card £686 Taken out 06/11 Default date 10/08/2017 American Express with NCO £657 Taken out 08/1996 Defaulted 10/04/2017 Santander Credit Card £562 Taken out 12/2006 Not down as defaulted Santander Credit Card £403 Taken out 04/10 Not down as defaulted Santander overdraft with Wescot £1132 Taken out 02/2005 Defaulted 05/06/2018
  14. Halifax Credit Card with Wescot £3967 Bank of Scotland Credit Card with Wescot £8580 Barclaycard Credit Card with PRA £7773 Virgin Money Credit Card with Intrum £6783 Creation Credit Card with Lowell £1657 Nationwide Credit Card £686 American Express with NCO £657 Santander Credit Card £562 Santander Credit Card £403 Santander overdraft with Wescot £1132 I am not sure of when these were taken out or what the default date is. What is the easiest way to find out? Many thanks
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