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izabelajulia04

10yrs on DMP - was byrom & keely now Stepchance

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Hi,

 

For over 10 years I am on DMP.

 

I started with the company who was charging me a lot for just collecting my DDR and distributing them to my creditors.

 

I have over £ 50k in debt and pay £240 pcm.

 

As me and my husband are retired that money is very needy.

 

I was thinking of stopping DDR and try to sort out the debt.

 

Could anyone give me an advice where to start?

 

If I stop DDR can the debtors put a default on my accounts?

 

after receiving numerous phone call a day I got myself into DMP with stepchange;

 

recently I have discovered consumer action group and I decided it is time for me to act .

 

My plan expires in 2037 and I have already paid them more then they bough my debt for,

 

my question is

do I need to cancel direct debit first or I can send them a debt validation letter?

 

did anyone have similar problem?

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Lets give you advice to get rid of this debt once and for all.


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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list your debts first please

 

original creditor

type of credit

amount owing

who you pay through SC now

defaulted date.


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And please name this debt management company, they need to be struck off.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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it is STEPCHANGE charity organisation, previously I was with byrom&keely but they were charging me £30 per month for just for talking to my debtors;

apparently that charity I am at the moment with are doing for free

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Yes apologies, you're quite right, STEPCHANGE are a FREE charity. (well done!)

 

Your credit file will be trashed anyway, and marked with defaults, or AP markers, have you looked at your CRF?

 

Please list all of your creditors, what the accounts are and rough amounts each one is owed.

 

And WHO you're paying.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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post 3 please

 

 

dx


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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

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cabot financial used to be CITI cc - owe them £13430

Moorcroft used to be abbey cc - owe them £3774

nco(Europe) used to be M&S cc- owe them £9564

 

the question is do I send the letters first and them canx DDR with stepchange or do I need to canx DDR first and then send the letters?

 

I just checked my credit report and it seems there is only 1 cc showing /cabot one.

not really understand how it works?

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you don't send or do anything yet till you get you ducks inline

 

who are NCO and Moorcrofts stated clients on their letters please?


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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

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ncoeurope but on stepchange statement is says: nco-arrow/capquest; don't remember seeing any paperwork from capquest thou ; it used to be M&S cc

 

Moorcroft debt recovery ltd ; used to be abbey cc; every year they send me settlement offer and usually it is around £1500 less then my debt

 

don't have any finances so I cant pay them anything

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so the M&S card has been sold to arrows

 

Moorcroft dont own debts so there must a client , I doubt its still owned by abbey [satans bank now}

 

you need to find out who owns the debt

as that's where the CCA request needs to go

one for each card.


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

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Moorcroft is managing my ac on behalf of arrow global and abbey probably sold my debt to them;

 

I would like to get advice how to proceed with the letters- shall I keep DDR with stepchange in place and send them the letters or just canx sterchange and then send them the letters?

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ahh... we got there in the end

so

2 X CCA request to Arrows

1 X CCA request to Cabot

 

you don't stop paying till they fail the CCA request deadline

 

12+2 working days.

 

dx


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

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I don't have any correspondence from arrow global only moorcroft

 

Thank you very much for your help, will post all my letters tomorrow, recorded delivery, just in case.

 

is the CCA request the same procedure as Conditional Acceptance ?

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I don't have any correspondence from arrow global only Moorcroft as the red bit post 11

 

Thank you very much for your help, will post all my letters tomorrow, recorded delivery, just in case.

 

is the CCA request the same procedure as Conditional Acceptance ?

nope dunno what you mean by Conditional Acceptance

 

don't waste money on recorded delivery

1st class post with free proof of posting at the PO counter will do

 

just do the letter

leave the envelopes open

pop along

get the 3 £1 PO'sat the counter

pop one each in each envelope

seal it hand it back

get proof of posting

then await 12+2 working days.....

 

read the FULL CCA request

and ALL its posts


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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COnditional acceptance is a FOTL trait. The stupid 3 letter crap


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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oh yes

well already advised to not use that Freeman of the land twaddle

so there you go.


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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Two weeks passed yesterday; sent out 8 letters.

 

3 of them did not reply to my request;

 

one of them mentioned statutory 8 weeks.

 

PRA group sent me a letter with attached information that even when my debt is unenforceable I still owe them money and if I don't pay it will affect my credit rating and also they need more then 12 days to respond.

 

they all want more time.

 

How long do I need to wait for the paperwork?

any suggestions?

 

Stepchange collected the monthly payment although the once who responded put my accounts on hold.

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Load ole twaddle

They always sprout

 

They have 12+2 working days

If any have failed that

Stop payments


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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They've already all been defaulted haven't they

Or no longer show


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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where did they get 8 weeks statutory reply from?

 

Who cares?

 

They have 12+2 days, we all know that, so do they.

 

If they have failed to respond with the correct enforceable documents, then STOP paying them.

 

You need to tell stepchange which accounts they need to remove and stop paying, otherwise, your CCA requests are as much use as my cat learning Chinese.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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will get in touch with stepchange on Monday, thank you for your help,

need to sort that out as soon as possible!

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You have only listed about 27k of debt,where is the other 23k to make it 50k?

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