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PPI Help Please Goldfish/Atkiv No documents request your proposals by return

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Hi new to this forum so hope I am doing this right

 

- in a DMP and have been advised by the DMP people to check any PPI misselling

- I know I did have PPI but no longer have any paperwork

 

- wrote to Atkiv who took over the Goldfish account some years ago requesting copy of credit agreement for Goldfish & they replied:

 

in view of age of this account the original creditor is no longer able to supply the documents requested

and we therefore request your proposals by return

 

- can anyone advise me what they mean by this and what I should do next

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Hi welcome to CAG,

Have you been paying this debt via the DMP?

How much was originally owed, and is the debt actually reducing?


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hi yes am paying this debt through DMP - the original debt was I think for about £2,500 - it is reducing but only very slowly now as at the moment only paying £1.50 per month - thanks for your interest

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You mention quite a time span on this debt, when was the debt defaulted?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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get out of the DMP if its fee paying

 

dont let them NEAR your PPI reclaim either

 

that'll go in fees too.

 

if the OC cannot supply a CCA WHY are you paying it?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi debt was defaulted approx 2002/03

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Not showing on credit reference files?

 

And as dx said get out of the dmp and DIY.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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hi the dmp is with payplan so no fees

- they did suggest that they did the PPI claim through I think an associated company

but as I had already started I said I would see how I got on

 

- I've been paying although not always very much ever since the debt defaulted back in about 2002/03

 

- I have only recently found out about asking for CCA etc

& I have read about not paying if they cannot supply you with a CCA

but I would not want to muck up my payplan agreement

 

- would they be happy if I stopped paying if there was no CCA?

 

thank for any help

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Payplan needs dumping in this instance.

 

sadly they never actually check those in the plan have the LEGAL RIGHT to get payments

or

even if the debt is enforceable.

 

any other debts in the DMP?

 

defaulted in 2003... £2.5k was a credit card

 

def had PPI

 

most prob inflated with UNLAWFUL penalty charges

 

me thinks you've been cash cowed here for years

 

esp as AK are the owners i bet.

 

CCA AK NOW!!

get out of that DMP

 

PP will not let you drop one debt.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi thanks for your replies

- I did wonder but perhaps this is a stupid idea

- whether as there is no CCA I could ask Atkiv to accept a payment in settlement of the debt

(they have written on occasions saying I could clear the debt for £500 but I can't raise that)

- I could raise about £50 from a family friend

 

I found it very difficulty dealing with my creditors &

Payplan was suggested as a way of moving forward

& it has helped a lot

but perhaps I need to rethink things a bit now thanks for any help you can give

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if you've had discount letters

 

that a VERY big indicator that you owe NOTHING.

 

its either mostly PPI or PENALTY charges

 

or

 

there has never been an enforceable CCA

 

cash cowed me thinks sadly.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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As above- payplan do not check if any debt is legally enforceable.

 

Get the bank account details from each account you owe and pay them yourself

then check by CCA request if the debt is enforceable

if not tell them to get stuffed.

 

I did this and will be debt free on the three debts that were enforceable in 18 month

and all debts that were unenforceable will be statute barred in 6 month.

 

If I had carried on with my dmp I would still have been making payments until 2019.

 

Three of my debts had not done the paperwork correctly and had had payments equal or more than the value of money/goods originally made so I told them to get stuffed.

 

But if you do this be prepared for the threats and screams from the creditors/DCA's when they see that their easy money has stopped.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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hi thanks for your replies

- certainly giving me a lot to think about

 

- can you help me on another point

 

- I went into default in 2002/03 on various credit cards

I think most had PPI but can I get any information to confirm payment of PPI as it is such a long time ago

- see people mentioning banks only going back 6 years if you send a SAR which I think costs £10

 

- someone suggested to me just sending of PPI claims and seeing what happens

- can you do that? - thanks for your help

 

can I just Atvika if I paid PPI

- would they know and would they just tell me?

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nothing to do with the DCA's

 

they are toothless.

 

sar the OC's.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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