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Been Paying Payplan for +6yrs - Can i still get CCJs - all defaults gone - CRF is clean

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Evening Peeps, newbie here.

 

I used to be a member a long time ago and found the info on here very helpful. So thankyou !

 

I have now got a clean bill of health on my credit score, but still owe debts to various DCA's.

 

My question is - can a DCA still try and issue a CCJ, even after say 8 years of the original default account ( notice of default has been isssued )

- my accounts have ALL dropped of the various CRA's as they all defaulted many years ago ( over six years ago )

- I am still paying them via a DMP.

 

To summarise all debts are over 8 years old now.

And I am still paying them.

They just dont appear on my Credit Reference Agencies.

 

Are these debts still enforceable in a court of law ?

Lets assume than none of the DCA's have the original CCA's ?

 

Thanks for any info, will be much appreciated, but cannot find this information, having trawled the forums.

 

Big love and respect ! x

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you are still paying so not statute barred

 

you need to get CCA request off to each of them..

 

I smell a cash cow...

 

list your debts and who you pay

what was the type of credit and who was the original creditor


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If you have kept the debts alive by making payments then yes they can still bring a claim. However, you should certainly check their enforceability by sending them requests for a CCA's. If they are unable to supply you with CCAs then the debts will be unenforceable and you should stop paying until such time that they are able to produce the agreement


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Thanks for the info Peeps much appreciated, and so quick ! Thanks a million !

 

I am lost dx100uk - what does ' smell a cash cow ' mean, sorry !

 

This is what I thought. Request CCA's and take it from there.

 

They are all credit card debts ( ex wife loved LOVED shopping ) mainly to banks.

 

DCA's

 

Cabot

Moorcroft

Paragon Personal Finance

 

I am still paying them all through a DMP.

 

Thanks in advance !

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cash cowing means your are blindly paying a debt you don't need to solely because you think/though a DCA has some magical powers overs you

they are not bailiffs and have ZERO legal powers

 

get those CCA request running

remove yourself from the DCA milking parlour

 

whos the DMP with

not fee paying I hope!!

 

Moorcroft don't buy debts

who are their clients


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Ah thanks dx100uk - yes I thought that ! Thanks for heads up ! Moooooo !

 

No it’s Payplan DMP.

 

I cannot even remember who the Moorcroft Debts are for ? Does it matter then if they don’t buy debts ?

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its an important part of that story

as their client could be the original creditor but I doubt it after all this time..

 

anyhow it now very important to send WHOM YOU PAY thru Payplan a CCa request for EACH debt.

 

I've slightly re titled your thread and moved it to the debt management forum

there you will find lots of very useful other threads to read.


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I’m pretty sure Moorcroft didn’t have these debts a few years ago.

 

Do you recommend going through Payplan with the CCA requests then ? As opposed to doing it all by myself ?

 

Thanks again

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I didn't mean 'thru' payplan..

 

time to read others stories now..

 

https://www.consumeractiongroup.co.uk/forum/forumdisplay.php?417-Debt-Management-Plan-Companies


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Oh I get ya !

 

Payplan also want me too start an IVA - is that a good move ?

 

Reading other stories - I don’t think so ?

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well get reading

no never ever go BK/IVA etc etc


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Thanks DX have read all those and so much good info there ! THANK YOU !

 

By the way tried to donate by PayPal to this site and get a funny error message ? So couldn’t pay ?

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it bounce around sometimes

try again tomorrow..

 

how much total do you supposedly owe......


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Allegedly £17k - but should be a lot less I think.

 

Will donate tomorrow

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should be able to kill +75% of that..

do you know who your original creditors were can you not get it online at payplan under your account number?


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Yes

Lloyd’s bank ( Akinika ) about overdrawn current account

Egg

Capital one

HBOS

 

Actually stands at 27k !

 

But seems to me they are still all so high !

 

I can get lots of info from Payplan and will post tomorrow ....

 

Start CCA straight away !

 

Thank DX !

Edited by yodabug

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:yo::yo:

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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Morning DX

 

I have drafted all letters to DCA's. And ready to go.

 

Some have put this into letter as well ?

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT.

 

The standard CCA letter does not have this clause - should I include it ?

 

Many thanks

 

( PS still not accepting paypal donations ! )

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Thanks OCogger x

 

trying to understand the terminology here - on some posts

 

what does

.......if paragon bought them they are both well lemon debts and you've been cash cowed blind....

 

I understand the cash cow thing, but ' well lemon debts ? '

 

cheers Peeps ! x

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you do acknowledge the debt, you are paying it!

 

As for cash cow, google the 5 animals of finance and you will see where the terminology comes from

lemon is opposite of peach so a peach is something juicy and a lemon is something bitter. common parlance with used car sales.

 

Morning DX

 

I have drafted all letters to DCA's. And ready to go.

 

Some have put this into letter as well ?

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT.

 

The standard CCA letter does not have this clause - should I include it ?

 

Many thanks

 

( PS still not accepting paypal donations ! )

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happy bank holiday Peeps.

 

sending tommorow

 

RECORDED or standard postage ?

 

thanks

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1st class with free proof of posting from the PO counter

you only need to prove you sent them.


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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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Lovely Thanks DX.

 

still cant donate ?

 

tried from my phone and two PC's ?

 

thanks

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