DMPHero
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http://www.consumeractiongroup.co.uk/forum/showthread.php?468132-DMP-Confused-whether-to-go-for-Full-and-Final-or-CCA my global thread iis above I Received CCA response Letter from Lloyds Credit cards operations today saying that: "Regulation 3(2)(b) provides that a copy can omit any signature box, signature or date of signature. In summary we are not required to produce a copy with the primary cardholder's signature on it." Does this mean that we are stuffed with trying to get a low Full and final and the agreement is enforceable. No signed agreement has been sent just reconstituted terms and conditions
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Letter from Lloyds Credit cards operations today saying that with "Regulation 3(2)(b) provides that a copy can omit any signature box, signature or date of signature. In summary we are not required to produce a copy with the primary cardholder's signature on it." Does this mean that we are stuffed with trying to get a low full and final and the agreement is enforceable. No signed agreement has been sent just reconstituted terms and conditions
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Yes the Barclaycard one is still with Barclaycard
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Reply today, Moorcroft have applied to Arrow for the original agreement, Wescot have transferred the debt back to Barclaycard and returned the postal order one of the other Barclaycards is ignoring and charging £12 a month late payment fees even though we are on a DMP. Any advice on that last one?
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Thank you for that dx100uk. Sending today.
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What is the correct number of postal orders to send, is it one per debt or say in Wescots case would they only need one?
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Will CCA them all and report back
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Only Cabot, the only one who ever issued a defaulted notice though was Egg. Which has since cleared
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Not each one, this was done a while ago when we were reclaimng PPI. As we genuinely owe the money I wasn't sure CCA'ing would work with the ones that are with the original creditors. All the debts are from the early 2000's, say 2002 to 2004.
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Basically in order WESCOT CREDIT SE... £1,331.49 - Loan LLOYDS BANK PLC £1,245.25- Loan LLOYDS TSB CARDS... £1,106.58 - Credit Card MOORCROFT DEBT R... £457.56 - Loan (Former Egg) CABOT FINANCIAL ... £365.77 - Barclaycard (acting as agents) WESCOT CREDIT SE... £339.64 - Credit Card WESCOT CREDIT SE... £325.57 - Former Overdraft BARCLAYCARD £324.52 - Credit Card Wescot Credit se... £261.24 - Credit Card
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We currently have about £6k outstanding of a DMP we have with Stepchange. We have been repaying for about 11 years and had 1 year left except my wife lost her job which knocked the payment right down and now some of the creditors are starting to harass us. BIggest concern is Barclaycard. My parents have offered us £1800 to act as a full and final settlement but looking around I came across this forum and 'Cash cowing'. Now i'm concerned what the best way forward is. Debts are: WESCOT CREDIT SE... £1,331.49 LLOYDS BANK PLC £1,245.25 LLOYDS TSB CARDS... £1,106.58 MOORCROFT DEBT R... £457.56 CABOT FINANCIAL ... £365.77 WESCOT CREDIT SE... £339.64 WESCOT CREDIT SE... £325.57 BARCLAYCARD £324.52 Wescot Credit se... £261.24 What is the best way forward? I remember CCA'ing Barclaycard previsously and they have the original agreements as do Lloyds.
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