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Hi

 

Wondered if anyone could help??

 

I have been payin of my debt for a LONG time through StepChange, to be precise

i've paid off around £11k in 8/9 years and recently have changed to Pay Plan

who have advised me to to a debt relief order which i don't really want to do.

 

However

my grandad recently passed away and my dad has £4k that he said he is willing to pay off my debt if i can get reduced payments on them all.

 

Using the National Debt Advice Service templates and calculator i have sent letters to all my creditors which are all debt collection agencies to if they will accept a partial payment to settle the debts. I'm trying to get around 10k down to 4k.

 

However upon checking my credit file, Noodle, which used to show all my defaults

it no longer has anything on it so i'm wondering where these defaults or debts have gone?

 

Westcott Service Ltd have recently written to me to say they have sent my offer to the Royal Bank of Scotland and is waiting for them to see if they will accept it however i assumed my debt had already been sold to Westcott so would be up to them.

 

They also said my credit file would just be marked as partially settled which doesn't really bother me as i am a student and don't plan on even attempting to get a mortgage for at least 10 years by which time it would have dropped off my file.

 

However if its not already there will the Royal Bank of Scotland add it to my file again.

 

Hope that makes sense??

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don't go wasting that money

 

 

can you list your debts please

 

 

sadly I think you'll find you've been cash cowed for years on many of them

 

 

a DCA is NOT A BAILIFF!!

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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a debt cant comeback on your file

paying them off will NOT improve your score

if they are all owned by DCA's then send each one a CCA request

make them PROVE they hold legally enforceable paperwork..i bet they don't!!

 

 

wetcloths don't buy debts they just chase.

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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Thank you for replying

 

My Debts are:

 

Idem Capital Securities: £3500

Westcot Credit Services: £2433

Idem Capital Securities: £1742

Robinson Way: £868

Welcome Finance: £698

Akinika Debt Recovery: £350

Blair, Oliver & Scott: £221

Robinson Way: £159

Moorcroft: £88

 

Stepchange have been paying them off each month for years (this is a mixture of mine and my husbands debt from years ago, we have a joint step change account) most of them have only been getting a fiver a month for about 8/9 years! however we have paid off in total around 11K.

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what were each debt type and who were the original creditor

cash cowed me thinks

i'd be cancelling the dmp now.

 

 

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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Original Creditors

 

Idem Capital Services - MBNA Limited

Wescot Credit Services - RBS Mint Card

Idem Capital Securities - Halifax - Overdraft

Robinson Way - Lloyds CC

Welcome finance - Welcome Finance

Akinika Debt Recovery - We think 02

Blair, Oliver and Scot - Halifax CC

Robinson Way - Tesco Credit Card

Moorcroft - Nationwide Credit Card

 

If i cancel the DMP won't they start harassing me again. Currently i don't pay interest so worried they will start that again.

 

If i send of a CCA request - which apart from Welcome Finance, non are original creditors. What happens if they don't have a credit agreement with me or they fail to send it, I've read i can make a complaint about them but what happens to the debt?

 

Sorry although i have been in debt forever i've always just relied on step change to provide me with the right advice so not sure on procedures.

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until/unless we see an enforceable CCA you stop payments to them!

they are ruddy fleecers..you are being cash cowed blind and these stupid DMP providers don't check and couldn't care less as they get a ciy of the payments you make thru the backdoor of the banks.

 

a DCA is NOT A BAILIFF

and has

NO LEGAL POWERS WHATSOEVER.

 

send a CCA request to each one

bar the idem bank account as its not cover

nor the o2 debt

 

i'd simply just stop payments to everyone

and deal with the deforestation as it comes thru you door.

and we'll help you.

 

go use that money to have a nice holiday

not lining the pockets of ruddy debt collectors

all you will be doing is funding their fleecing of 1000's like you.

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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