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mistermagoo

been with Payplan for 10yrs...

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Good Morning

 

I have a slight problem

i entered a Debt management plan with pay plan in January 2008

all my creditors have been paid since joining and my credit file entries relating to the said debts have been wiped due to the 6 Year time scale, BAR one Marbles Credit card which during its journey has gone to many agencies

 

please see below:

 

mar bl e s ================ 22/01/2008

H F C 8888888888888888 22/01/2008

New Day (formerly S AV Credit) 8888888888888888 28/02/2009

Cap Quest Group Limited 888888 07/12/2012

Cap Quest Group Limited 888888 11/12/2012

Cap Quest Group Limited 888888888 12/12/2012

NCO Europe Ltd 888888888804/12/2017

 

 

The problem i am having this account is still showing live on my experian credit file even though i am pretty certain this went default in 2008 when all the other debts went default?

 

They are paid the same time every month on the 14th as i pay pay plan on the 12th of every month,

but they keep putting me down as late payments as they say the account is live and revolving and the terms are 30 day payments? so the payment date with NCO changes every month

 

i had this problem with cap quest last year with the same account and it took me ages to resolve and they did amend my credit file eventually , but the have now transferred it to NCO after i complained ( funny that) and the same problem has started again.

 

i think the best option is to try and find the default date so i can get this wiped off my credit file

after speaking to Marbles they only have information that my account was transferred to Cap quest in November 2012 ( even tough they account went into arrears before 2008) and any records before that have been archived.

 

Any help to rectify this would greatly be received and thank you for taking time to read and maybe helping

 

Mr frustrated

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send them an sar.

it will be in the comms log.

HFC will have defaulted you 100%

 

shame you blindly paid all these debts off

and didn't once sent a CCA request?

 

as for NCO they are capquest! all part of the larger Arrows group


..

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Thanks for the reply i entered a DMP with Payplan and that is why i pay them every month and to be honest i am not bothered by that as i did owe the money!!

 

The annoying thing is the underhand tactics with Capquest

this the second time they have posted late payments against my credit file,

i managed to get the first lot removed and then they passed my account to NCO and i cannot get any joy from anyone?

 

i am looking to get a mortgage so need this cleared up as my credit rating was 999 with experian until NCO took over my account and now have 2 late payment markers against it now.

 

Do i send the sar to Marbles or Capquest please? dx100uk

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NCO are capquest.

stop ringing people esp fleecing DCA's they are NOT bailiffs

and have zero legal powers

 

and dump the morality card too..

ask yourself this question...

why would numerous original creditors sell your accounts to DCA's for 10p=£1

when they could have quite easily crushed you in court...

 

sar always goes to the OC [HFC]

their address is in the sticky on HFC forum homepage


..

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i get you and yes i am begin to think i was naive,

 

answer me one question

why would a recognised charity IE Payplan advise me to enter an agreement with all these other creditors/ DCAs if there was another way around it?

 

i wish i had known you before as i would happily gone down your route at the time and still would tell them to do one if there was recourse?

I really appreciate your time thank you.

 

Sorry i want to get this right is this the correct address

 

HSBC Bank plc

CCA & sa r Department

PO Box 5055

Coventry

CV3 9EF

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i get you and yes i am begin to think i was naive, answer me one question why would a recognised charity IE Payplan advise me to enter an agreement with all these other creditors/ DCAs if there was another way around it?

 

Because they like to take the path of least resistance, sending letters to confirm they have the legal right to demand money isn't what they do.


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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Now i take it that i am stuck in paying them untill all paid off

i still owe 14k in total or do i stop paying them ?

is the address for HFC the correct one above?

 

Also i see there are 24 people looking at this thread

maybe people might take notice if they are think what to do and sign up for info

 

i will also donate to help out guys

 

thanks for the info

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send cabot a CCA request

 

address is ok


..

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You STILL owe 14K!!!!!!

 

Now what does that tell you? You've been paying them for over ten years and you still owe a small fortune!

 

Sounds like they're still adding interest and fees?


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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which they cant...

opps the cash cow story is getting worse...

 

bet the loan was 99% PPI and life insurance anyway...

all can be reclaimed!!

and all their penalty fees.


..

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sorry guys the 14k is all my creditors under my Pay plan agreement which runs till 2020 it was over 50k,

 

the balances on this account is £1400 to which i make payments on time every month

but Capquest/ NCO keep moving the payment date because they state that it is an open credit account that has not defaulted ??

 

and my credit file is being penalized with late payments

 

see original above post

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Yeah well I'd stop paying, and SAR them, reclaim all those penalty fees including interest at their rate.


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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well don't stop yet eh?

let capquest fail the CCA request first!

 

so time to send EVERYONE you pay thru PP a CCA request bar mobile or bank account debts

 

how about you list your debts!


..

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all my debts paid monthly with amounts paid by Paypal.

 

I want to do this and cannot believe i have stumbled across this site

what do i do next and can i claim back any monies i have paid since being in a DMP,

 

the only debt on my credit file is one of the NCO accounts

the only reservation i have doing this is i need to apply for a mortgage soon and need to bear that in mind ..

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looks like 99% cash cowing to me

sadly no you cant claim the payments back from the DCA's

but you can reclaim from the org creditors PPI penalty fees etc

 

within 2 weeks I bet 90% of this will be unenforceable.


..

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get those cca's off. Pretty much all the debts you owe. 99% of them will be Unenforceable.


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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no good we cant log in which we shouldn't nor want to be able to anyway on a anon forum.:lol:

 

list your debts please

 

original creditor

who you pay now

what type of credit

when you took it out

what is the defaulted date from your credit file.

amount still owing

 

ive hidden that upload too


..

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lets see the full list 1st please

then we'll advise


..

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Here you go all defaulted 2008 and dont show on my credit file except Marbles credit card

 

Abbey National overdraft

held by Cabot Financial (Europe) Ltd

amount owed £1,866.57

 

Egg credit card

Cabot Financial (Europe) Ltd

owed

£2,279.13

Barclay Credit card

Cabot Financial (Europe) Ltd

£1,003.74

 

Le radoute catalogue

Debt Managers Ltd

£167.65

 

EON Energy

Fredrickson International Ltd

£255.62

 

GMAC UK PLC

GMAC UK PLC dealing

£81.32

 

Next Retail Ltd

Hoist Finance

£409.93

 

Egg Prudential loan

Link Financial Ltd

£2,431.29

 

MBNA International Ltd credit card

Link Financial Ltd

£2,451.11

 

MBNA International Ltd credit card partners

Link Financial Ltd

£1,317.41

 

Lloyds TSB Plc - Black Horse HP

Lloyds TSB Plc - Black Horse dealing

£352.67

 

Marbles Credit card

NCO Europe Ltd

£1,309.66

 

Sainsburys credit card

NCO Europe Ltd

£1,309.66

Capital One (Europe) Plc credit card

NCO Europe Ltd

£770.45

 

Tesco credit card

Paragon Personal Finance Ltd

£2,065.48

 

Thats all of them hope this helps and await which ones to send letters

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CCA everyone of 'em bar the abbey OD

 

they have 12+2 working days then you can safely stop payments

PP wont like that.

so comeback then


..

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Just a quick question regarding the marbles credit card that is the only account still showing on credit file,

 

i am confident it has defaulted around 2008

 

do i need to send a SAR to marbles aka HFC or do i send a CCA to the DCA who is holding the account according to my Credit file?

 

this is the only account than can effect my credit file so want to thread carefully here.

 

if they cannot find the Credit agreement ( Capquest) do i demand that they take the entry of my credit file?

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if an entry is on your credit file by anybody is a true record of fact i.e. monies owed regardless of CCA etc then it stays for the regulated period.


:mad2::-x:jaw::sad:

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