been with Payplan for 10yrs...

[mistermagoo]

This is the account i mention in my first post i think it was but my credit file is saying no But only goes back 72 months?

every other account i had in 2009 when i got in trouble was defaulted and has since been wiped form my credit file.

 

i have spoken to Marbles( before i posted here) and asked the date of default and i would like to raise an official complaint as to when it was or if it was not defaulted why not as it should have been to follow FAC Guidelines.

 

i am awaiting their findings? or do you think i should SAR Marbles anyway just in case the official complain was a fob off

[dx100uk]

FAC?

 

sar them yes

it will tell you if its been defaulted but p'haps not registered

[mistermagoo]

First One back from Robinson way which is a next account see attached please advise

Robinson way Letter BB.pdf

[Bazooka Boo]

Only advice is to NOT use marker pen to cover up identifiers, it is easily read through.

 

Other than that, sit back and wait. See what they come back with....

[mistermagoo]

Thanks mate noted

[mistermagoo]

had another back saying will en devour to get provide info in the next 12 days from idemservicing regarding a Tesco credit card even tho i sent it to Paragon personal finance ?

[Bazooka Boo]

Who sent you that??

[mistermagoo]

idem servicing its for my Tesco CC

 

Idem Servicing manages accounts for Idem Capital, both part of The Paragon Banking Group. We work with customers to provide affordable repayment plans.

[dx100uk]

when did you take this card out?

[mistermagoo]

i think around 2006/7

[dx100uk]

so that era they were by RBS

[mistermagoo]

Right guys what do i do about this reply i have cancelled my standing order with payplan . this is the only account live on my credit file it is for a marbles credit card

Marbles reply.pdf

[Bazooka Boo]

Simple, you do nothing, after 12+2 days, you can withhold ALL payment to them.

 

Until they can provide the CCA, and an enforceable one at that, then you pay no-one.

[mistermagoo]

Brilliant stuff i sent these out on 21st February recorded delivery

 

What if they put me down as a late payment on my credit file as they have been because they keep changing the date it is due .

 

i used to pay Payplan on the 12th of every month and they said it was a 30 payment so every few month put me down down as late payment.

Edited March 6, 2018 by dx100uk
merge

[dx100uk]

also i'd go start a thread in the HFC forum

as details drip in

you need to start a new thread in the named bank forum of the original creditor for EACH DEBT

else this thread will get MIGHT confusing

[Bazooka Boo]

Brilliant stuff i sent these out on 21st February recorded delivery.

 

Well done, you can save yourself a pretty penny by NOT sending everything via RD, stuff like CCA's can always always be sent 2nd class post but obtain ''Proof of posting'' which is FREE from the PO counter, only the important stuff, SAR's or LBA need be sent recorded delivery.

[mistermagoo]

had more generic replies back saying they have sent to OC for the original agreement and this can take 12 weeks ? so i just dont pay until they send a copy for you guys to agree if it needs paying ? that is correct yes?

 

also had this reply back from IDEM servicing who are dealing with Paragon Personal Finance Ltd original creditor Tesco Bank what advice do give me on this one?

Paragon Tesco Bank amended.pdf

[Bazooka Boo]

Correct, STOP all payments until they produce enforceable agreements.

 

Keep a diary of events now, especially regarding IDEM and their threat of harassment.

[mistermagoo]

Brilliant will do thanks Bazooka

[dx100uk]

this total of cash cowed debts you are now not paying is ever increasing...

what the total now you've written off?

[mistermagoo]

Right quick update

 

i sent a SAR to Marbles on the 20th Feb and i have still not heard anything what do i do?

this is the only debt showing on my credit file and is owned by Capquest and it states in big words on my credit file " in a debt management plan "

 

they also ( capquest have not provided a signed agreement for this account so i have stopped payments ... now the thing is i need to apply for a mortgage and my credit score on Experian is excellent 999 so dont want to do anything to effect that?

 

Any ideas on what i need to do to get this entry on my credit file removed?

 

Many thanks in advance

[dx100uk]

no harm in ringing marbles and asking.

 

in DMP wont harm you

and as there is no default either?

should be good to go for mortgage with 999

[mistermagoo]

Cheers DX but as i have stopped paying said debt wont they start marking it down as non payments on my credit file? therefore lowering my score every month

[dx100uk]

a dca cant register a default on your credit file

only the oc can

[mistermagoo]

Yes i understand that but they ( Capquest) report every month to the credit agencies if my payments are on time or not? if i am not paying them( as they cannot provide a signed credit agreement ) this will be detrimental to my score within a couple of months. or should i be asking them to remove the monthly log of payments on my credit file?