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Phoenix nights

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  1. Thank you. As I saw my signature on the form etc, I thought that was it for me in terms of fighting this. But of course I do not have the knowledge you have concerning terms and conditions points you made, and I don't understand DN and NOA. It may be best for me to wait to see what comes my way next from them, as you have pointed out. I guess it may be another PAP form, or even court!?
  2. Hi As an update to this I have received a reply! Please see attached files. Can anyone please tell me if the reply is legit i.e is the CCA response correct and if so what do I do next please? any help would be appreciated. CCa return .pdf
  3. It does say reply form and standard financial statements to client. However, I will do as you recommend. Thanks again, for helping even at this time!
  4. Thank you. it is making more sense now. However one issue is the PAP letter says to send to intrum? 'you must return the reply form and standard financial statement to our client(intrum full address) within 30 days from letter date? instruction on post 2 says staple the £1 PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money.
  5. Hi DX100Uk Thank you so much for replying. Just to confirm:- I am asking for another CCA, this time from Intrum and not Moorcroft? letter was from lester aldridge, but they state in letter that reply form goes to intrum? also can i put the cca letter request and £1PO in the same envelope or best to post separately? Many thanks. also does it matter about the 30 days please?
  6. I Hope you can hep me please. I have received a letter of claim from lester aldridge for Intrum uk finance limited stupidly i didn't realise it was dated 26th October, so I will not be able to reply within 30 days but post! it was for a Halifax cc originally owned by moorcroft in 2018 then by antrum from 18/7/19. i sent a CCA request to Moorcroft end of 2019 and received reply early Jan 2020. acknowledging receipt of CCA and requested files from client. also stated they are not seeking enforcement. received a huge pack
  7. Hi Ewaver Yes the checks went through fine thankfully. I did not allow access to open banking. The process allows you upload wage slips etc or give access to open banking. Whether that made any difference, i'm not sure. Good luck, with yours!
  8. Thanks. hopefully it will all go through. and if not can ask father as guarantor, although that option may no be available on that property etc etc. My main concern was how let alliance is using open banking and whether they can see outgoings as well as incoming funds. The reliance on an algorithm rather than a human to decide if the tenant is OK or not is another factor. However no different to if they asked for last 3 months statements etc. my other concern is there is a payment to step change every month! on it! (soon t
  9. Hi Yes father is happy to be a guarantor, but wanted to see if all is ok without. I am hoping the open banking section is just n easier way to confirm salary going into the account. The more I look into it the more scary it seems! https://www.letalliance.co.uk/letting-agents/same-day-referencing/
  10. Thanks fkofilee Yes let alliance one of the first apparently. Agree I can tick to disagree the option. However on their website they claim they will get a credit report from TransUnion formerly call credit regardless, hence the stress. Happy for them to ring employer for salary confirmation and verify current address via credit check and no ccj, bankruptcy etc. However being on a dmp and having defaults adds to it.
  11. Hi I am currently applying for a rented property through an estate agent. From doing some research from the web, most forums were saying they only check for CCJ's, Bankruptcy and electoral roll (public info). so should be fine! I am on a DMP with stepchange and have no CCJ's, etc. However the company the letting agents use are Let Alliance, who have sent me an email saying it is all electronic and to tick the box for open banking so my bank can send info etc, also call credit will supply credit check info? This has me worried as m
  12. sobering advice DX, thanks. I will feedback, if I have any issues, questions. Donated! cheers.
  13. Thank you. I have attached the CCA responce from PRA just received. If it helps anyone out as well. Will let you know what I get back if they find any other 'documents'. I am hoping to cancel the DMP with stepchange as soon as I can. I am bit confused in how to deal with Wescot, Do I ignore them altogether, when sending the CCA request to Santander for the Loan and Overdraft. Will Santander automatically let Wescot know whats going on? I will also start another thread as advised for the RATESETTER loan i.e. how to deal with it. A
  14. Hi DX100uk Thanks for the reply. Apologies will upload in PDF for any others I receive. The ones I have sent CCA's for are below, together with the ones I have not as yet: PRA GROUP - Barclaycard £11252.41 - CCA SENT 6/12 WESCOT CREDIT SERVICES - Santander Loan £4001.30 - CCA NOT SENT CABOT - Virgin Money CC - £3028.89 - started 5/4/12 - CCA SENT 6/12 (received reply as below) RATESETTER - £2536.80 (NO Default information on report?) - Cannot send CCA? MOORCROFT - INTRUM - Halifax CC - £1363.70 - CC
  15. Hi All I have been having a few problems. But have finally managed to send the CCA's out. The first reply is in. I have scanned and uploaded for you to see. Are these typical responses? They mention another reply in 2 weeks. Is it best to wait until all these, as my DMP payment goes out on the 1st for all of them. So may have to wait until all responses are in before asking Step change to remove some off? CCA's were sent out 6/12. Thanks
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