Income and expenditure requests

[stressedoutmum!]

Hi all,

 

I posted last year for advice on token payment offers and had lots of success with my creditors. Apart from one...

 

They have passed the debt to a DCA. I wrote to them outlining the history of the account and offering £1 a month in line with what other creditors receive. They have requested I complete an income and expenditure form but I know I was advised before to be wary of doing this for a DCA. My question is, should I complete one?? If not, how do I respond to the DCA??

 

Thanks

[dx100uk]

no never send them to a dca

 

only a judge can demand that

 

who OWNS the debt on your CRA file?

 

if not the DCA

 

pay the OC by YOUR internet banking site

 

they cant refuse that way.

 

i hope all your debts you are paying you've CCA'd them and they SHOW on your CRAfile?

 

dx

[stressedoutmum!]

The debt is still owned by the OC, it is being collected by a DCA.

 

I have CCA'd them and they sent an agreement that seems to be compliant.

 

I have continued to pay £1 per month to the OC.

 

Should I respond to the DCA?

[Bazooka Boo]

Dear Bill&Ben,

 

Thank you for your letter dated dd/mm/yyyy which I received on dd/mm/yyyy, the contents of which have been noted.

 

My offer of payment is final, no further correspondence will be entered into regarding your request for an income & expenditure form.

I have completed my own I&E and this is how I have arrived at the figure of £1 per month, which I will be paying.

 

Thank you for your attempt to view personal private information to which your not qualified to request, least of all view.

 

I look forward to your bank details in order to set up a standing order to pay this sum monthly.

 

Regards.

 

 

Just out of interest, before you send anything, who is the dca and what is this account for?

 

Do they have the legal right to collect any money on this?

[Bazooka Boo]

Apologies, posts crossed, was making a brew!

 

If your paying the OC already, then ignore this shower, who is it?

[stressedoutmum!]

DCA is Moorcroft, the OC is Santander, who bought the loan from Cahoot (who refused to even consider the financial difficulty I was in unless I spoke to them on the phone(??)).

[dx100uk]

i doubt if satans bank brought the debt

 

most prob took over cahoot.

 

have you looked at reclaiming PENALTY charges & PII

 

on ALL your acounts if things are tight?

 

have you ever looked at your CRA for about all your debts?

 

dx

[stressedoutmum!]

That's what I meant!

 

No PPI and the few penalty charges have been reclaimed.

 

I got a copy of my credit file last year before the token payments. Haven't checked it recently, too scared !

[dx100uk]

then ignore moorcrap

 

dx

[Jam_Buttie]

log into the account online with MoorCrap and fill out the I&E leaving you with 5p for all of your creditors.

 

Moorcroft will then write to you to say they are no longer dealing with your account lol.