Multiple DCA Calls and Letters

[see-saw]

I have a substantial amount of debt over various credit cards and bank loans/overdrafts and due to my recent reduction in income I have defaulted on all of them.

 

I have been to the CAB and National Debtline who gave me some advice, which resulted in me writing to all of my creditors with an Income/Expenditure breakdown and an offer of a token payment of £1.00 per month.

 

This worked OK, but now six months has passed and they all want to review the repayment plan. Unfortunately, I haven't been very good at responding to them, as my situation was in flux, with my wife changing her job and not knowing how this would affect Tax Credits etc and my income reducing even further.

 

So now the majority of them have passed the debt on to various DCA's who are constantly sending me letters or calling me.

 

I'm not sure what I should do now, I came across this site whilst searching for the addresses of the DCA to write to them with my offer of payment.

 

Any advice would be greatly appreciated.

 

Thanks in advance

 

seesaw

[PGH7447]

if you list your debts then we can advise accordingley

 

ie credit card / loans / overdrafts / catalogues

[see-saw]

Halifax BOS Loan £11000

Lloyds TSB overdraft £4000

Capital One CC £6000

LloydsTSB CC £5000

Egg CC £1000

Comet CC £1100

Virgin CC £2000

Store Cards £1000

[PGH7447]

Halifax BOS Loan £11000

Lloyds TSB overdraft £4000

Capital One CC £6000

LloydsTSB CC £5000

Egg CC £1000

Comet CC £1100

Virgin CC £2000

Store Cards £1000

 

OK for all credit cards / store cards and loans pre 2007 send a cca request to either the dca if they are chasing or to the OC if they are not

 

the CCA can be found here

 

The Consumer Forums - Debt collectors

 

template 8

 

send each one by recorded mail with a £1 postal order, they then have 12+2 days to supply an agreement, once you get an agreement back then post it up on here for people to check it for you.

 

they have 12+2 days to supply this if they do not then you send the next letter template 20 - account in dispute, you can then stop paying them until they comply

 

do any of these accounts have PPI payment protection insurance? if yes then if they were mis-sold or not approriate for you you can claim the payments back.

 

also if any charges have been applied you can claim them back, to check send template 11 a SAR and ask for all statements etc. they have 40 days to comply with this, send this by recorded with a postal order of £10 to the original creditor.

 

if the dca's continue to phone send template 3 and also just say in writing and put the phone down.

 

do NOT send any I&E info to anybody they have no right to this info.

 

any questions just ask

[see-saw]

Do I keep paying the amount that I have agreed with the OC's while I am waiting for the CCA info? IE. £1.00 per month.

 

None of the accounts have PPI.

 

Capital One have requested an I&E statement and copies of bank statements as proof of I&E.

 

What about the credit cards that are post 2007?

 

Sorry about all of the questions, it's just a bit stressful dealing with all of this.

 

Thanks

Edited March 5, 2010 by see-saw

[PGH7447]

keep paying the agreed amount

 

crap1 can take a running jump - and they are the most likely not to have an agreement

 

post 2007 most agreements tend to be enforcable

[see-saw]

Thanks... I will get onto sending the CCA requests asap.

 

Much appreciated...

 

[PGH7447]

if when you get something back you start a fresh thread for each debt that way you wont get conflicting advice

 

good luck and by the way welcome to the CAG:)