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  1. we're trying to find a way of getting an end date for payments, the original defaults went onto his credit file years ago and have now disappeared again. His credit score is now not too bad. He was never taken to court for any of them so no CCJs. To protect his confidentiality I won't say what he does but he can't have bankruptcy or IVA/DRO. I'll see if Santander hold the original CCA and we await replies from the others. Thanks for your help guys
  2. interest is already frozen....presumably this means apex do not own the debt? should we request cca from santander?
  3. OK....response from Apex Credit Management following the CCA request: Apex..are not the data holding branch and are therefore not obliged to supply the data.....this information should be requested from our clients Santander... Is this correct??
  4. bonus!! will update once replies to cca requests come in
  5. There is no mention of these debts on his credit file with Noodle!! CCA requests going out today
  6. PPI has already been reclaimed and offset against balances as he is indeed self employed, it is the prospect of indefinitely paying that is the issue....will be getting credit report today and requesting cca's as a first step
  7. morning! he owns no property
  8. DRO won't work for him as he needs his vehicle and tools for business....but thanks for the thought
  9. will get cracking with that, thank you so much!!!!!
  10. Ooooh I'd forgotten that! Will get credit report and then send the requests!
  11. Lloyds bank £10000 with Moorcroft Debt Recovery Interest rate 0%, paying £30 a month, no term, pre 2009 debt Cahoot £6000 with Apex Credit Management, paying £20 a month, no term, pre 2009 debt RBS card services £6800 with Allied International Credit, this debt dates back to 2006 or earlier I will get him to get an up to date credit report... He does pay his priority debts and is effectively paying token amounts on the above. No threats of baliffs....
  12. My good friend is in a financial mess.. ..he owes thousands to a number of companies and the debts have been sold on several times. He is making small payments on each debt every month and has had the interest frozen but it is going to take him years to pay these off. He cannot go for an IVA or bankruptcy due to the nature of his employment. Any suggestions as to how we can agree an end date with these companies, with hopefully a proportion of the debts written off? He is very demoralised at the prospect of making these payments for the next 30 or 40 years, or until he dies.... He is a proud man and wants to pay what he can, and keep working but the only option I can see is for him to do an IVA or bankruptcy and lose his job and go on benefits which he does not want to do. Any ideas??
  13. Don't forget under ABTA Code of Conduct they have to respond within 28 days....check out the ABTA website
  14. I guess I will have to get some legal advice then :/
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