£15k Debt, 7 Creditors, Can I Get It Reduced If I Pay In Full

[dx100uk]

only one sar is required no matter how many account with a 'bank group' you have

read the sar thread...

 

CCA requests ideally should be sent as separate entities

 

one per account sep envelopes etc etc

 

remember to SIGN the SAR

and include old addresses and or inc CTAX bill

to prove who you were and who you are now if necessary.

 

on the CCA request

don't sign anything

leave the £1PO blank and uncrossed.

get free proof of posting from the PO counter

no need for expensive postage on either

[mystic_bertie]

Many thanks . Today i posted the 3 CCA requests. I got proof of postage, left P.O blank, never signed letter.

 

I have printed the completed SAR letters. Signed them, included past addresses and a copy of a letter with my current address. I don't have a utility bill or c/tax bill.

 

Will i leave the P.O blank for the SAR?

 

Will I send by recorded post or get proof of postage?

[dx100uk]

Many thanks . Today i posted the 3 CCA requests. I got proof of postage, left P.O blank, never signed letter.

 

I have printed the completed SAR letters. Signed them, included past addresses and a copy of a letter with my current address. I don't have a utility bill or c/tax bill. you need to provide proof of who/where you are now..

Will i leave the P.O blank for the SAR? wont hurt

Will I send by recorded post or get proof of postage?

 

 

simple proof of posting from PO counter.

[robtherevelator]

Thanks dx.

 

The letter i have is from my accountancy firm and it has my name and address on it. Its all i have.

 

 

Im staying with my GF (private let) at the moment and im not registered here or on bills, its just temporary as im in the process of finding my own place to rent.

[mystic_bertie]

I sent the sar letters today , im so glad that hurdle is over. Many thanks for the help so far.

 

Should i just post here once i get any replies?

[dx100uk]

the best idea is to start a new thread for each debt as the paperwork comes in or not

[mystic_bertie]

Great, i will be back

[mystic_bertie]

I have one day to respond to this letter from Moorgate,

i read it a bit late as my mail gets redirected at the moment.

 

It was dated 2 days before i sent out the CCA to them.

This only refers to one of my Moorgate accounts.

 

What should i do and am i likely to get further action taken by other creditors while im waiting on replies from my SAR letters and CCA letters?

 

'There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within seven days your account will be reviewed for further action, which could result in either:

 

a) your account being placed with our internal Recoveries Department, or

 

b) your account being placed with an external debt collection agency

 

We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on 0345 234 1042.

 

Late payments and arrears will be reported to the Credit Reference Agencies and this may affect your ability to obtain credit in the future.

[dx100uk]

urh...

 

 

Moorgate don't own debts,.....

you ignore any stupid DCA threat-o-grams

they cant hurt you

THEY ARE NOT BAILIFFS.

 

 

dx

[mystic_bertie]

I have received 2 replies from Moorgate which includes my P/O and letter, one for each CCA that i sent.

 

Unfortunately the above address is not know to us and you omitted to sign your letter enabling us to amend our records. In this connection please confirm this is now your permanent residence and provide formal proof of residency i.e. recent utility bill or council tax demand. Once we have the required conformation then we will be in a position to proceed with your request.

 

I did supply my previous addresses on a separate piece of paper,

i also provided a copy of the letter from my accountancy firm which has my current address on it,

i can only assume this was not suitable.

 

As i said i don't have a utility bill or council tax demand, im only here temporarily.

Should i wait until i find my own place to rent which could be very soon as i have applied for a private house to rent,

im waiting on the references being cleared etc. Once i have moved and registered there, send the CCA letters again?

 

urh...

 

Moorgate don't own debts,.....

you ignore any stupid DCA threat-o-grams

they cant hurt you

THEY ARE NOT BAILIFFS.

 

dx

 

Ok thanks for the reassurance dx

[Bazooka Boo]

Ignore them now, they have failed to, also there is NO requirement to sign a CCA request, they use that as an excuse to not provide you with the agreement.

 

This also shows you just how childish this outfit is.

[mystic_bertie]

Ok ill ignore them for now. As i do want to clear my debts i will resed the CCA once im in my own house and i have proof of my new address ie council tax bill.

[Bazooka Boo]

Personally I'd let sleeping dogs lie.

 

You've done all you need to do, they've failed and have lied to you already, why give them further opportunity to lead you up the garden path?

[mystic_bertie]

I would not lose any sleep regarding not paying them however what effect would this unpaid debt have on my credit record?

 

I may want to get another mortgage in the future, once the defaults expire that is.

 

Also is it possible they will add fee's or take legal action?

[Bazooka Boo]

Anything is possible with DCA's.

 

They can't add charges, but often do thinking they won't be caught out.

 

They can take legal action, but rarely do unless they think that you won't defend so will win by default,

[dx100uk]

there is no need to send any proof ofwho or where you are with a CCA REQUEST

that's important for an SAR..NOT a CCA

[mystic_bertie]

What is my next move with Moorgate, im happy to ignore them however i want to do whats best for my credit record.

[Bazooka Boo]

If they have defaulted your credit file, then it'll sit there for six years when it will auto drop off, paid or not.

 

There is nothing you can do to better your credit file once they've trashed it.

[mystic_bertie]

I thought once the defaults are gone there is no trace of them and my credit record will be good again. Is this false?

[Bazooka Boo]

No that is perfectly correct.

[mystic_bertie]

well they should all expire in the coming months

 

so if i dont clear my debt with moorgate, will this have a negative impact on my credit file after the defaults have expired?

[dx100uk]

once off cant comeback.

 

 

end of

dx

[Bazooka Boo]

Can't say it any clearer really, once the defaults drop off your file, then they will never return, paid or not.

[mystic_bertie]

Ah cheers, i just dont know enough about these things. I thought even though the default was gone, there might still be some trace of the unpaid debt. Apparently not which is good.

 

So is it just a case of wait and see what Moorgate do next and Just hope they dont take legal action?

[dx100uk]

already answered that myth

post 41