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danny1105

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About danny1105

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  1. Barclaycard was taken out in 2007. there are other debts too within my DMP
  2. Thanks for that.I will get Stepchange to cease payment until the CCA is received
  3. Here is the reply received from Lowells. Should I inform Stepchange or will Lowells cease payment from their end? Lowell Creation reply 180319.pdf
  4. 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
  5. 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
  6. 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
  7. Could someone please let me know which section of the CCA applies to an overdraft please?
  8. 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
  9. 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
  10. 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
  11. Hi Looking for some advice I have been paying Stepchange for over a year now. Various Credit Card + overdraft debts totalling just over £30k. I will be hopefully in a position to clear them next year if I can get F&F acceptance at around 35%. Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander) Also possible unfair charges on original account when it was A&L The more I can reduce it down before I make any settlement offer the better really thanks
  12. Hi. Sorry to jump in on this thread but I'm in a similar situation. Been paying Stepchange for over a year now. Various Credit Card + overdraft debts totalling just over £30k. I will be in a position to clear them next year if I can get F&F acceptance at around 35%. Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander) Also possible unfair charges on original account when it was A&L
  13. Can anyone help please. RBS allowed my son to open an account online and then verified account in branch with ID proof back in August. Paying in book arrived with letter saying debit card and PIN to follow. Nothing arrived after 2 weeks. Lots of calls eventually got an answer mid October saying sorry cannot issue a debit card on that account on that particular sort code with that branch (Child & Co. London) Unable to put any money in as no way to get it out. 3 failed attempts by RBS to transfer to another Sort Code eventually our patience snapped and we have gone elsewhere. Still no proper answer to how it went wrong. Looking now for compensation because of not being able to use account for 2 months. Any idea how to calculate non-financial loss and for time spent sorting it out (many hours!) Any advice gratefully received
  14. Update on this. I made the final monthly payment on this back in March and sat patiently waiting for a letter from Santander to drop through my letterbox giving me a date that i had to make the final balloon payment by or return car etc but nothing happened until last Saturday when I received a phone call from Santander telling me that the final payment was overdue. I told them I had received nothing from them. They said they did not send out a letter when they had extended the original agreement by a further 12 months. So I am just meant to pay the lump sum with no further invoice or anything. Trouble is they now tell me that it is overdue. surely they need to send something to comply with consumer credit regulations? Does anybody know about this?
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