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yesilgozlerim

Stepchange DMP help please

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Hello,

 

Id like some advice please.

Ive just sent back the paperwork to stepchange which they have received and are processing.

I have the 4 following debts...... but 3 are mine and the last one is in my nme but was opened fraudulently ( thats another story )

 

AquaCredit card : £4400

Hitachi Capital Finance: £5070

Vodafone: £214

FashionWorld: £170

 

 

Stepchange tell me my payment amount will be £114 each month.

 

 

MY question is :

 

Is it possible i can get some of this debt written off....and which company do i use to help me with this.....and do they charge for this?

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Did you run through information on these debts with Stepchange ?

 

If yes, then Stepchange should have thought about any debt relief solution that might have helped and decided none was available to you, because of income, assets etc.

 

But tell us more about these debts and your current circumstances.

 

There is no magic debt write off solution out there, which does not have an element of pain. E.g DRO, Bankruptcy.


We could do with some help from you.

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YES ... stepchange are aware. £114 a month is do-able for all 3 debts..

 

I only live in rented accommodation...council... I ran up my credit card then took the loan out from Hitachi to clear it....then I got divorced and moved into new avcomifation that needed decorating so I ended up spending again.

 

My own stupid fault admittedly.im over my aquacard by 350 quid but that is purely interest and OL fees

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three of those need a CCA request


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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A CCA request forces them to provide the signed agreement etc

Without it bugger off you fleecers!!

Do dca's own your debts now?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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when did you take the account out please?


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Aqua credit card was September 2013 but never had trouble paying until 4 months ago...

 

Hitachi was Jan 2016.

Vodafone March 2016

 

Fashion world....wasnt done by me but was done in my name by which I exchanged property with.... July 2016

 

Step change website tonight showed us be better off going for bankruptcy but i do t have nearly 700 quid to do it else I would ....

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ok little point in cca requests then

an sar to each lender might throw up penalty charges or PPI to reclaim.

but for pity sake dont use a reclaims company

they have no more clout than you or me

and take 50% of your reclaims


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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