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Everything posted by fjc1980

  1. Hi Jackman, I think I had a couple of letters well before Christmas, but nothing recently then the guy just knocked the door about 7ish last Wednesday trying to phone Resolvcall in my presence and pass the phone to me. To be honest he seemed more nervous of me than i was of him, once i told him it was time to go he left pretty quick. I have just told my missus to do the same if/when they call again.
  2. hi guys, thanks for the help... I will take no further action and be sure to tell any further callers where to go. As per your advice DX, that collection activities will not stop regardless of CCA request being sent, Cabot have had this debt since around 2015. In my mind i think if they were going to proceed with a CCJ they would have done it by now but as you say cannot see into the future. If they do proceed with this, and i have no copy of the original agreement from them does this work in my favour? If there is another thread for a similar scenario, please
  3. Thanks DX, Is it worth re-submitting a CCA request to Cabot? I cannot for the life of me find their reply or proof of my postage. I want to do something to stop these people turning up in the evening! My last payment to this debt was in early 2014 via a debt management company, is it likely they will proceed with a CCJ against me?
  4. Good evening...... I had the pleasure of a member of Resolve Calls team visit my home this evening with regard to an old debt of an unsecured loan taken out with Northern Rock in 2004 - last paid via debt management in 2014. Cabot took up this debt in 2015, I sent them a CCA request in Jan 16 but from memory only received a standard response. I have two questions i could really do with some advice on 1) Should I write to Cabot reminding them of the outstanding CCA request or resend the request? From memory i think they sent a generic response effectively saying
  5. No worries, i can get the details of what has been paid to Step Change and for how long when i get home this evening. With regards to the agreement / default notice and annual statements i will probably need to request this. Is there a letter i should send to Nat West / Wescot?
  6. Hi Andy, thanks for the reply. i'm in the office at the moment but can get this info when i get home. My partner has stopped paying Step Change now and paid off the other debts as they were of very low value. I did think that about Wescot, and she tried contacting Nat West directly to repay monthly as this would have been fine from a mortgage application perspective however she was advised to deal only with Wescot now.
  7. Hi, Looking for some advice if possible My partner and i recently went through the process of trying to get a mortgage. After providing all our financial details to the Mortgage advisor his view was we would only qualify for a Mortgage with a high risk lender such as Kensington which I will not entertain. Reasons are: - My partner is in a debt management plan with Step Change, any reputable lender will be put off by this. - All but one of the debts in the plan are over 6 years old so do not show on her credit file - The only debt that is less than 6 years happens to be th
  8. ok, I'm sure I did originally default back in 2008 as did not pay them for over 10 months I guess a SAR will show this for sure. The WF loan does not appear on my credit file currently - can it reappear? I have a statement of account from them already, came late last week. My original loan was £900, I have paid over £900 back and still have a balance of £1300, I never agreed PPI and there are so many random charges on the statement, I actually want to phone them and tell them what I think but am not entirely sure where I stand
  9. Hi, I do not have the ability to convert to PDF on my laptop, when using an online converter my laptop defaults to a word doc. I will try to get resolved. I have just received a worrying letter from WF saying I have been 'Served under section 87(1) of the Consumer Credit Act with the attached Default Notice' they have given me until the 18th Jan to clear my arrears or contact them with my proposals. I'm really worried this is now going to impact my credit rating. Strangely the letter I received today is dated 31/12, however I sent my CCA-request in 2nd Ja
  10. i'll have a go tomorrow morning, might be easier if I do it using my ipad as have limited programmes on my laptop. The CPC thing was not me - that's how it came from Welcome Finance, one piece of paper double sided with the 'CPC View Evaluation' thing across both sides so part of the document is unreadable on each side. I get the impression they have just sent whatever they could ASAP, but I know I definitely did not tick the boxes that are ticked, I don't 'tick' like that!!! Thanks for your help I will re-upload in the morning.
  11. Hi, yep have sent the SAR to HB, and read a few articles about them which makes me very sceptical about where my money went during my time with them / abacus. I have tried to convert is this right? Welcome Finance Image 1.pdf
  12. I'm not sure about a huge windfall as didn't repay in full but am intrigued to see what I have paid myself and through my DMP... Anyway I think I have uploaded both images... thanks in advance for any help!
  13. thanks! I will try and figure out how to use the scanner now and just blank out my name and address. I didn't SAR Welcome but can do. Just wish I had the original details!
  14. Hi, it took me a bit longer than expected to get round to this due to illness and work issues but I finally got all letters sent after Christmas. I have a response to CCA request They have sent me a copy of my credit agreement and stated they have requested a Statement of Account which will be posted separately and to call Michael Brown (Branch manager) if I wish to discuss further. I'm not sure what I should be looking for on the Credit Agreement however I notice both boxes for Personal Accident Plan and PPI have been ticked with my signature below the ti
  15. Hi, it took me a bit longer than expected to get round to this due to illness and work issues but I finally got all letters sent after Christmas. I have had 2 responses so far to 2 of the CCA requests 1st: Apex Credit Management (Mint Card) - basically says they are no longer acting on behalf of RBS Group and to contact them directly, they also sent back my Postal Order which I made out to them - is this now useless? And should I just send off a new letter straight to RBS ? 2nd: Welcome Finance - This is a bit more interesting. They have sent me a copy of my credit agreement and s
  16. Thanks Both.... I am making the letters now! I will be back with their responses no doubt! Enjoy the rest of the weekend.
  17. Thanks! And yes I'm sure I've been fleeced... Time to stop it! All defaults have passed their 6 year birthday, all of the above debts are no longer on my credit file. I will CCA Request all except Lloyds. Should I do this now, or wait until they contact me? For the OD I will send off the SAR and also to Welcome Finance - the original loan amount was £900 and I have paid them £15 per month since 2010 and still have a balance of £1346 !!!! Just looked further into the paper work I have, my last payment to Northern Rock via my DMP was £54 in May 14. I have n
  18. Yep I'm sure HB fleeced me but it was a case of out of sight out of mind, paying a low monthly amount whilst I got my career sorted! Having looked at my last statement seeing another 15 years to get debt free I decided I have to get my behind In gear and sort this out! All debts were paid except Northern Rock, last paid August 2013 as they rejected HB offer. Now just started receiving letters from Cabot. Thanks for replying so quick!
  19. Hi, I'm looking for some advice on my current financial situation. My current debt owed is: Lloyds overdraft: £2,771.71: defaulted around 2007 debt with westcot credit services Egg Credit Card: £1,610.33: defaulted around 2008 debt with moor croft debt recovery Cahoot Loan: £5326.79: defaulted around 07/08 now Santander loan welcome finance: £1346.73: defaulted around 08/09 Mint credit card: £2852.04: defaulted around 08/09 debt now with APEX credit management Northern Rock loan: £9326.68: defaulted around 08/09 debt now with Cabot financial TOTAL OWED: £23,233.67
  20. Doh! Just noted the two 4's... Apologies! I get the same impression with NR and CAHOOT debts but if I can reduce the others somehow that would be great.
  21. Hi old rouge, Many thanks for your input also. So is there anyway in particular I should handle the overdraft debt? I am going to end things with HB and await letters to arrive from each creditor, can they add interst or charges whilst im not paying? and i'll post off requests for CCA for each debt ASAP Thanks
  22. Great, thanks. I will call HB tomorrow and sack them off. How come the Welcome Finance loan does not require CCA ? The Cahoot loan is number 2 on my list. Now, apologies if I sound stupid but CCA - I send off the sample letter per company inc £1. Then what are the possible outcomes and necessary actions I need to take? Cheers
  23. I did see that which is another concern but I'm pretty sure they are paying my creditors, maybe I should call one directly to see? Although Santander who now handle my cahoot loan do send me am annual statement so I'm pretty sure they will be on my case if I stop paying!?
  24. Hi All, Thanks for all your words, am blown away with the speed the advice has been posted! So last night I did a Noddle credit check and they scored me 3 out of 5 and none of the debts I'm paying via my dmp were listed is this of any significance? Now if I request CCA and cancel my dmp will I not now be exposed to these appearing on my credit file? Also how does CCA work, if they can't send me the info is that it I just don't ever pay anything more for that debt? My worry is my credit record is now improving and I'd like to apply for a mortgage in the not t
  25. Hi Bazooka, Thanks for replying so quick! So part of the reason I have paid a debt management company is laziness , part fear of talking to the creditors who were sending me endless threats, and also naivety. However, it was naivety that got me into debt in my 20s when at the click of a button a £4k credit card would drop through the letterbox 5 days later! So I know I need to ditch them. 1) how do I see my credit file? 2) I have seen some things about CCA request but am not sure or confident to talk about it? Also how does this help me? Thanks any a
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