hi just received a email letter from hoist finance for notice of assignment even so they said on the 14/06/2022 that unfortunately they are unable to provide a copy of a cca do i reply to them its 2 pages long thank you Sedrick.

thank you will do and if i get any letters i not sure of i will let you know it was going on for far to long  i will take heed  thank you again cash cow no more.

thanks will do

thanks for  that have printed a copy

hi

what do you think i should do as you can see they are trying to add the ppi into the debt and the high interest charges from 20/03/2002 at £17.50 pm then up & up by the end it was over £90 to over £100 pm for years

i have told them that i will not be paying and i have paid the debt off if any they owe me, bfn

hi this is what Moorcroft sent  

img20220618_15272410.pdf img20220618_15295275.pdf img20220618_15315502.pdf

hi dx100uk thanks for that they did send a copy of the loan agreement from 1998 is it still safe to stop paying Moorcroft .

Moorcroft debt recovery have sent me a statement from 1998 -2007 on the statement £(11,000 loan )/ ( ppi £2,701) ( intrest £4,700 ) i dont think they should be adding the ppi  the interest is very high what do you think. 

 hi did my email letters come through ( hoist )

 hi dx100uk

yes you did i have put in a claim for cabot to repay the money back still waiting for a reply.

plus just received a email letter from hoist finance can i send it to you on your email

barclaycard debt now with cabot

wrong card number on their billing

have paid through step change £1,515 plus they have no cca

cabot say its just a mistake it will be right

phoned barclays up that account does not exist still waiting for a reply from cabot

hi dx100uk

ok just letters about being unable to send any cca,

accounts now unenforceable but to keep paying my dmp.

have told step charge to stop any payments to all my creditors .

HI DX100UK  I HAVE HAD REPLYS  BACK FROM COBAT  CAN I SEND THEM TO YOU, THANKS SEDRICK

hi dx100uk   scanning done hope they are the ones you need.

 hi dx100uk will do I will let you know when it is all done.

hi, dx100 I have a scanner on my printer

looks like the client is Arrow global receivables management ltd.

yes,  all payments to step-change have stopped. does this help.

hi, dx100uk thank you for the info

had a look at the upload guide totally lost

I am a 72-year-old one finger keyboard man

all the other info you sent I using

the only worry I have is from Moorcroft who sent a CCA copy from 1998

all I am asking them is a break down 

I told them I have paid load off,

can they take me to court.

the other is Cabot and the Barclaycard debt with the wrong card number

do I write to them or step-change for a refund.

hi, dx100uk

I am only just finding out about things like CCA, you would think my DMP step charge would know about a CCA .

I ask them about the Barclaycard with the wrong card number,  they could not tell me much, Cabot said they have been paying it for years.

I will write to Cabot ask them to refund my money back, I don't know how that will go.

I am in dispute with Moorcroft regarding debt recovery , they say I still own them £ 1109

it's an old debt from 1998, they did send a copy of CCA, that only tells me the loan was for £11,000 PPI £2701 £4,700 for the credit charge

it was £306.70 month, I made 33 payments £306.70 = over £10,000 plus £4.189.59 paid into my DMP.

I am asking them for a breakdown of  the credit charge plus the PPI I think i have paid enough in.

hi dx100uk thank you for that, what will I be looking for in my DMP is with step-change

hi the godmother thank you for your reply

 I am new to all this 

I am worried at the age of 72 years old can you take me to court.

hi

 one of my debts Cabot hold is an old Barclaycard credit card from 2002

they can not send me a copy of the original credit agreement debt to old

 I have been paying this on my DMP since 2002, payments to date are £1,515.53 .

the credit card number on my DMP is not the same as the one Cabot has on their account I am still paying,

Cabot say it is a mistake and just swap the card number around, they must think I must be stupid,

I phone up Barclaycard they told me the credit card number was account closed 2010.

so have paid £1,515.53 on a closed account

how do I sort this one out any ideas.

Moorcroft client the name on the cca is colonial date 17/10/1998  but the name on my dmp  is Chatham finance.

hi

other debts are 

intrum same age same story no cca agreement/

hoist the same no cca /

Moorcroft debt recovery

they did send a copy of a cca the loan was taken out in 1998

i have told Moorcroft to check what was paid off

it had ppi on it plus £4700 in charge for credit 

plus the amount i have paid before i had the dmp i know i have paid it off .

hi thanks for your reply,

yes I have more debts of the same age where they can not send a credit agreement as the debts are old

what Cabot saying now is they will offer me discounts on my debts, can they take me to court I don't know my legal rights. 

the dmp is with step change I did not know about cca and old debts until i read about them

hi sorry about the caps the debt is with Cabot  the original creditor was with the associates I am paying £5 per month on a dmp I stopped using the card when a started my dmp Cabot can not provide a credit agreement they said the debt is too old, I am disputing the amount  thank you.

Hi

I am on a dmp

I pay £5 per month

not used the card for well over 20 years

the original was with the associates thats why cabot can not send a copy of the credit agreement.

Plus I dispute the amount.

Thanks for getting back bfn.