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Help needed with Eurodebt DMP and Barclaycard


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Hi everyone,

this is my first post so my apologies if something similar has already been posted.

 

I need advise on a couple of points about the dmp I'm on.

 

I am current 5 years into a dmp with Eurodebt (I know its not great being on a paid for dmp,

but it has served its purpose, also i'll get into this shortly) and have four creditors with a current total owed of around 23.5k.

 

Of the four creditors,

3 have placed the accounts into default which are due to clear from my credit history within the next 12 to 18 months.

 

However, after looking at my credit file properly for the first time in 4 years

I have found out that the Barclaycard account I had (now managed by Link Financial)

has never been defaulted but just listed as 'payment upto 6 months late' since December 2011.

 

I really need some advice of how to move forward with this.

I am in a position to make a full and final settlement to them and they are willing to accept £1300 from the £2400 that’s owed.

 

However, I am concerned that my credit history is going to be showing the late payment markers for 4 years after the others have dropped off,

even though this would be the only one I have paid off.

 

Is there anything I can do?

 

Secondly, I could do with some info of how to move my dmp forward without using Eurodebt,

as the £45 a month fee would be better served paying my creditors,

not to mention straight away taking the expected repayment date from 29 years to 18 years!

 

 

I have looked at Step change, but I’m not sure whether I should use them or look at doing it on my own (although this does seam a little daunting).

 

 

I can only blame myself as I should have looked into this sooner, but at least its now time to do the dmp properly.

 

Any help will be greatly appreciated, as I finally look to get my life back on track :-)

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yes I'd certainly dump them.

 

have you sent Plink

[and everyone else for that matter]

[bar bank account or mobile debts]

 

a CCA request?

 

as for the BD one not having a default

I'd be writing to BC and asking them to place a default from the 3rd missed payment

 

they might do so.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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