old stepchange dmp - cant afford payments now

[dx100uk]

whos the DMP with?

[dx100uk]

list your debts please

 

 

original creditor

amount owing

who you pay now

what type of credit

when you took it out

what is the defaulted date from your credit file.

[dx100uk]

haven't you thought it really really strange that LLOyds didn't take you to court and crush you for £34k debt but they chose to sell it on to a non powers DCA?

 

Send everyone you pay a CCA request

you are I bet being cash cowed onmost of your debts.

 

and as they are not on your credit file

the defaults are older than 6yrs so can never return

 

ouch! you are going to feel rather silly in 6mts when this is all over

[dx100uk]

well get the ground work done and this could be whole lotta worry off your mind.

 

they most certainly cant do court without an enforceable agreement.

 

ill have a guess here too that you've been or did talk to all these fleecers at one point or another over the phone?

or was it you read all the threat-o-grams the wrong way..omitting to notice they all said may/could/might/instructed

and not WILL anything?

 

don't forget a DCA is NOT A BAILIFF

they have no more legal powers than you or I

if we think someone owes us money

and that's to issue a court claim

[dx100uk]

as post 6 CCA request to everyone being paid via stepchange

 

on the OD just ignore cabot for now.

 

yes i'd cancel stepchange

 

get an sar running to Lloyds too

[dx100uk]

 

 

just to clarify the dca are the ones I send cca to or original lenders ? to whomever is being paid thru stepchange on a debt

 

do I use the original account numbers? - yes

 

then a sar to Lloyds sorry - yes get all the statements they hold on everything they gave you.

 

I'm still trying to absorb info

 

what will happen if they have paperwork?

 

 

if 'they' reply to a CCA request.

you scan ALL the returned paperwork up

and go start a new thread in the named forum of the ORIGINAL CREDITOR which can be accessed by hitting the top main forum tab and scrolling down

and let us see the return.

[dx100uk]

on a CCA request you ALWAYS use the ORIGINAL ACCOUNT NUMBER

 

 

as for the SAR

you both sign it as there are joint A/C's

[dx100uk]

post 12 states what to do.

 

on average we gat about 2 people a month here that come with exactly alike scenarios as you.

 

they blindly pay whomever they are told to pay.

they think DCA's are bailiffs and get mega scared and panic and run off to these DMP providers

be them free or fee paying.

 

whats not realised is:

1.they NEVER do any checks whatsoever, into the LEGALITY of any sums demanded.

2, they nearly ALL get paid a secret commission from the people you owe money too to get the funds flowing .

 

we nearly always find that 90% of the debt being paid are not even legally owed.

[dx100uk]

no need to pay for any credit files anymore

noddle clearscore

experian are all FREE now

 

 

I doubt ANY of your debts show anymore

[dx100uk]

well once 12+2 working days have expired since you sent a cca request

you can stop paying that fleecer .....if they've not complied and we've checked it ...till they do.

[dx100uk]

well done

another cash cow removed from the dca milking parlour

 

 

pigs might fly them getting enforceable cca's too..

 

 

dx

[dx100uk]

well that's what the dca's said when you blindly started paying them..

this is too good to be true..free money..let go on holiday with it.

 

that's what the +2 days is for posting.

 

buy them time?? .

 

.stops you continuing to be fleeced blind

[dx100uk]

if you get anything back, like a cobbled together agreement and the T&C's you'll need to scan them up.

go read/look at a few debt threads in the forums!!

 

 

click the main forum tab top left [scroll up]

drill down to the forum named the same as the original creditor that gave you the credit .

click that forum

read some threads

[dx100uk]

cabot always say that

they have as already advised 12+2 working days from you posting it

if they fail to comply

you can stop paying them.

[dx100uk]

doesn't matter who owns it if theres no Enforceable agreement

 

 

dx

[dx100uk]

Yes99% of the time an OC will default before sale

[dx100uk]

You are in no rush

They could be the key

[dx100uk]

No one is settling unenforceable debts here

And if they are a mug

might as well burn the money

[dx100uk]

so update us upon what you did

you stopped the DMP and payments?? well done if you did!!

[dx100uk]

wow that really impressive

so in a nut shell

you've written off over £50k of debt thanks to CAG and a few simple CCA request that were all ignored.

 

your debt cant comeback on your file

so gameover for all of 'em.

 

one big cash cow gone!!

[dx100uk]

below

[dx100uk]

:yo:

[dx100uk]

powerless dirty mac brigade and NOT BAILIFFS

and NEVER can be

 

IF they appear tell them to leave your property else you'll call police 101

do not EVER speak to them