Many thanks for that.

The policy has now been settled. As Cap1 have previously sent copies of the original contract, should I try and reached a settlement with them? Also if I try and reach a settlement, should I do this in writing or over the phone? Presumably I then ignore all other creditors who couldn't produce contracts where Ive stopped paying them anything? Any advice is appreciated.

Sorry for not getting back as I've had other issues to deal with. M&S Bank/Moorcroft( and all my other creditors were notified when I changed address, so no backdoor CCJs have been issued. I've been paying nominal amounts on all my outstanding cards over the last 15+ years. As M&S have not actually sold on the debt and most likely do have the original credit agreement, should I continue to just pay the nominal amount or should I try and negotiate a settlement once/if they produce the original signed agreement? Also Cap1 have now sent me a copy of the original signed agreement when I opened up my account with them. Should I carry on paying a nominal amount per month or look to try and negotiate a settlement? Once again I appreciate all views on these issues.

DX Many thanks for that. However I am reluctant to give them DOB, phone number and signature as I am afraid of them copying signature and bombarding me with phone calls going forward.

An update from my post 16/01/24. Moorcroft DR Ltd signed the CCA letter 20/01/24. Received response 23/01/24 stating they no longer require £1.00 fee and returned PO. They said the request has been sent to their client (M & S Bank) and once they receive further contact from their client they will be in touch. M & S responded direct to me with letter 01/02/24 (received 07/02/24). Saying in order to process request to complete attached form and send a CHEQUE for £1.00 payable to M & S Bank. Also stating if we don't here from you within 14 days they'll assume I no longer require this information. The form asks for name & address, email address, mobile number, DOB, Customer signature and date. Also for me to tick relevant box to confirm whether i want their response by Royal Mail signed for delivery or secure email. They also sent a second class SAE. Does this mean that the time lapsed since the DCA received my CCA letter? Also, should I just send a CCA letter to M & S Bank and ignore the request form they have sent which looks like a bit of a trap to me? -------------------------------------------------------- Cabot Financial (Natwest) - I sent them a CCA request in 2023 which they were able to send the relevant information. As a consequence I stopped paying them immediately. They have since sent various letters and the latest states "We regularly review Credit Reference Agencies information. From the data we have reviewed, we believe your situation may have improved. We may review your account for an agent visit. Whilst our data is an indicator of your ability to make payments, please contact us so we can understand what has changed in your situation and update your account." Cabot (Barclaycard) - Received letter confirming they were unable to the information as per the CCA request and the timescale has now lapsed. They followed that letter with a request to change payments directly to themselves. I assume I should just halt payment here? Would appreciate any advice on these accounts. --------------------------------------------------------- PRA Group (MBNA) - have acknowledged my request and advised they will get back as soon as possible, however the 12 working days have now lapsed. I shall advise once received. ------------------------------------------ Capital One - Have not received anything and the 12 working days have now lapsed. ------------------------------------------------------------ Once again I would appreciate any help/assistance with my situation.

An update from my post 16/01/24. Moorcroft DR Ltd signed the CCA letter 20/01/24. Received response 23/01/24 stating they no longer require £1.00 fee and returned PO. They said the request has been sent to their client (M & S Bank) and once they receive further contact from their client they will be in touch. M & S responded direct to me with letter 01/02/24 (received 07/02/24). Saying in order to process request to complete attached form and send a CHEQUE for £1.00 payable to M & S Bank. Also stating if we don't here from you within 14 days they'll assume I no longer require this information. The form asks for name & address, email address, mobile number, DOB, Customer signature and date. Also for me to tick relevant box to confirm whether i want their response by Royal Mail signed for delivery or secure email. They also sent a second class SAE. Does this mean that the time lapsed since the DCA received my CCA letter? Also, should I just send a CCA letter to M & S Bank and ignore the request form they have sent which looks like a bit of a trap to me? -------------------------------------------------------- Cabot Financial (Natwest) - I sent them a CCA request in 2023 which they were able to send the relevant information. As a consequence I stopped paying them immediately. They have since sent various letters and the latest states "We regularly review Credit Reference Agencies information. From the data we have reviewed, we believe your situation may have improved. We may review your account for an agent visit. Whilst our data is an indicator of your ability to make payments, please contact us so we can understand what has changed in your situation and update your account." Cabot (Barclaycard) - Received letter confirming they were unable to the information as per the CCA request and the timescale has now lapsed. They followed that letter with a request to change payments directly to themselves. I assume I should just halt payment here? Would appreciate any advice on these accounts. --------------------------------------------------------- PRA Group (MBNA) - have acknowledged my request and advised they will get back as soon as possible, however the 12 working days have now lapsed. I shall advise once received. ------------------------------------------ Capital One - Have not received anything and the 12 working days have now lapsed. ------------------------------------------------------------ Once again I would appreciate any help/assistance with my situation.

Brilliant dx - Thanks for the advice and telling off!! They were only nominal payments, however I shall stop payments immediately. A donation to the site will follow shortly.

Hi, I have a pension that is about to mature in the next 3 months. I really need to take it as a lump sum as times have been hard for almost 20 years and I am still living in private rented accommodation since. I have 8 creditors from about 20 years ago and all these were unsecured loans. I have 3 of the loans where I am paying nominal amounts (£3-£5pcm). I have written to the others with the 21day CCA request and they have not been able to produce the signed contracts, consequently I have stopped payments to those companies. If I take out the lumps sum payment (of which 25% is tax free) do I have to declare any of the above companies as creditors? TIA

Hi guys Not been on the site for a while but cannot thank you for all support and help. I'm sure I'll need support in the future but am pleased to have contributed to the cause today. Good luck all with your problems and thanks once CAG board members and others for your fantastic help

Not been on the site for a few weeks guys. I have made a donation and wish you all well. Thanks for this superb site which is so useful when you need advice and feel so alone at times.

Many thanks for that. I shall crack on with that over the next few days.

Thanks for that. There are no letters at all about upping the OD or me accepting it. Last correspondence on their file (04/06/2011) says : customer offered £100 on £46k debt saying this is not feasible thus no deal applicable on this outbound call.Customer says he is dealing with third party who will send repayment offer in shortly.

Do I continue to ignore DCA letters?

I've got the SAR and the statements but cannot find anything as such

Received the statements now from Natwest but not had chance to go through properly yet. In meantime I have received letter from DCA. They have said that as they have not received any contact from me they have reverted back to Natwest. They have said to contact them to prevent further debt recovery action being recommended, their client has informed them they may be able to offer a substantial discount from the outstanding balance. Stating that if I were to pay an acceptable lump sum within the next 14 days they would not pursue the remaining balance of the debt. I am not in a position to offer them any lump sum , however a family member has said they may be able to help, but their funds are very limited. Does anybody have any idea of the sort of percentage to the £ may be considered? Any advice would be greatly appreciated.

I have received SAR documentation now. What is the next step in the procedure please? TIA

Saying I have requested SAR directly to Natwest

Yes, as mentioned I was tapping into it to keep my business afloat. As previous post, should I respond to the DCA or ignore it? TIA

Hi sorry for delay in replying. Stared paying back in 2003 and currently £44000 outstanding

For the OD. BTW Natwest only wrote to me about two months ago to say they were passing the debt onto a DCA. That is the first I have heard on the OD for over 10 years - no monthly/annual statements. As mentioned previously I have been making monthly payments throughout the period. Can this be classed as Statue Barred? On the £10k loan they have sent statements around every 6 months or so. I presume this stilll stands?

Yes I hope so

Natwest

Yes, that’s when the banks were giving OD’s, loans and mortgages willynilly precisely my point

The £44k is what’s left

Currently paying £100pcm. They do have my current address. it got to that level as I was using the OD to keep my business afloat. None of the debt was classed as business loan etc.