debt collection advice please

[Kay_123]

A few years ago I lost my job after becoming ill and am now disabled and wont work again and am now on benefits.

 

I went to get help from the citizens advice about credit card debt and

 

they helped me set up a payment plan which i have paid without default.

 

Now i keep getting letters from two of them sending me forms to fill out so i can list all my expenses

but ive just been replying with a letter saying my circumstances have not changed

and are not likely to do so in the foreseeable .

 

Now they have sent a form again ,do i have to fill these in ? One of the companies is MKDP

[i hate bailiffs]

You do not need to give them any details

It may be that citizens advice have done you no favours do they have all the paperwork to enforce the accounts

Any charges to reclaim

 

you need to CCA request each account

[citizenB]

No you dont - just remind them that you set up a repayment schedule via Citizens Advice Bureau on DATE - that the DCA accepted this. Your circumstances remain the same and indeed in the circumstances are unlikely to change.

 

You might find from the PDL company that they will want to know all about your illness, demand they have the write to this. They dont.

 

Do you know if they have ceased adding interest to the debt ?

[dx100uk]

who is the original creditor?

 

when was the card taken out please?

 

have you sent MKDP a CCA request?

 

rather than blindly paying a DCA?

 

dx

[Kay_123]

Thanks to you all for your replies .

 

I know interest was stopped on both cards when citizens advice dealt with it for me .

 

Im not sure when the cards were taken out but it must be 4 or more years ago ,

 

the MKDP one was Barclays and

the other one was Capital One but

 

i pay them direct and they do accept the letter even though they send me a form out every few months.

 

MKDP wont seem to accept my letter and keep sending the form and have sent me a letter for me to authorise my carer to be able to speak to them

as i wont deal with them over the phone .

 

Ive not requested a CCA as id never heard of one before.

[dx100uk]

then time for two CCA requests to them then.

 

have you ever consulted your credit file?

 

might be an idea.

 

i'd also not be conversing on the phone.

 

a DCA is NOT A BAILIFF

 

and has NO SUCH LEGAL BAILIFF POWERS.

[fkofilee]

Could i just add here that from the sounds of your 2 accounts, that its not just MKDP that youd be dealing with?

Have you also heard from Lowell too? (Frederickson maybe or Bryan Carter?)

 

To add to what the guys have said above, you dont have to show them any I+E or Illness details and if they try a sneaky one, tell them straight.

[Kay_123]

Thanks for your advice i really appreciate it .

 

I will remind them again that i set up a repayment schedule via Citizens Advice Bureau and that was accepted .

 

I will also get two DCA requests sent out

 

,I was worried about the warning of only having 30 days to fill it in if i ignored them

 

thats why i thought i best get some advice .

 

I did get one from Capital One saying they had a right to do 6 monthly reviews and send me these forms

but to be fair they have always accepted my letter stating my circumstances wont change.

 

Ive not heard from any other agencies just MKPD.