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Hi

I have old debts ranging from £11k to £200, around £30k total.

 

All have been sold on to DCAs, some debts moved on 4 times.

 

Even on £7k debts I only pay £1 to £5 per month and there is no pressure from any DCA to pay more.

 

Most of these debts defaulted in 2006/7 and I am unsure whether to keep going basically forever with this or should I question the debts?

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hi troughmonster

 

Given that you have been a member of this forum since 2009..I am really quite shocked that you would need to ask this question ?

 

Regards

Andy


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being cash cowed blind!!


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For the benefit of the OP - Sometimes it isnt immediately obvious that there are being taken for granted.

As you have been paying, they wont be Stat Barred - however you can challenge them on their enforceability.

 

List all of your debts here - and we will go through each one with you :)


**Fko-Filee**

Receptaculum Ignis

 

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DCA isnt pushing for more because theyre laughing at you, because you are giving them money blindly, and without question. Especially since most have been passed around multiple times.

 

Theyre saying to each other... "here, try this mug. We've had a few thousand of him, fancy some easy cash?"


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Well, thanks all for your critique of my shortcomings when it comes to dealing with this.

I didn't think this was a site for that, but wrong again!

 

Wish I was as clever as some of you.

 

If anyone actually wants to help:

Cabot (originally Capital One) balance £260

Motormile Finance (Uncle Buck) £160

Motormile (MEM) £205

Motormile (Lending Stream £280

AIC (Natwest) £2000

Cabot (Smile loan £7,450 and smile card £613)

Capquest (next) £620

 

Have two others subject to ccj

all these debts are from 2007-2012

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cca request each one.

bar the ccj's

 

send the original creditor for the ccj debts an sar each

 

what is the NatWest debt?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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hi - thanks for your reply. the NatWest one is for a loan. Apologies for the outburst earlier.

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well you've been had blind

so CCA request to them too.

 

and in less than 1 month you could stop paying all that fail to comply with an enforceable agreement.

[they have 12+2 WORKING DAYS] to return the signed enforceable agreement]


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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