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Debts of Credit Cards & PDL's advice required


clint1974
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Hello

 

I have several outstanding debts with payday loan companies and credit card companies which have now been assigned to DCA's apart from where mentioned details below.

 

Drafty PDL- now being chased by Asset Collections £746.55

Sainsburys CC - Wescot £1039.97

wage day advance PDL £492.71 - Moorcroft

Vanquis CC £566.68 - Moorcroft

The money shop PDL £768.84 - BW Legal

EE -phonebill £155.03 - Moorcroft

Capital 1 CC £245.58 - Fredrickson/lowell

Tesco CC £539.66 -moorcroft

Very £897 no dca actiity

Safetynet credit £503.89 PDL - Opos

satsuma PDL £738.00 no dca activity

halfax CC£1959.95 - Wescott

western circle/cashfloat - £607.37 no dca activity

 

Just under 10k by my reckoning, what would be the best route forward iva/dro or reduced settlement figures ?

Thanks in advance.

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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Dates of the agreements and last payment dates clint ?

 

 

Andy

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no payments have been made since late 2016 and agreements would of been taken out sometime in 2016 i think

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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might be best to split the pdl stuff off to a new thread in the pdl forum clint

and get some irl complaints running

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?472423-CAG-PDL-Reclaim-Guide-Indepth-Step-By-Step

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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wetcloths and Moorcroft don't by debts so who are their clients on each debt please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

These are the ones with Moorcroft/Wescot 4 x credit cards EE Phone bill and a payday loan

 

Sainsburys CC - Wescot £1039.97

wage day advance PDL £492.71 - Moorcroft

Vanquis CC £566.68 - Moorcroft

EE -phonebill £155.03 - Moorcroft

Tesco CC £539.66 -moorcroft

halifax CC£1959.95 - Wescott

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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right so their clients are still the original creditors not another DCA?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Yes Moorcroft are acting on behalf of Tesco Bank, Vanquis, and EE and wageday Advance PDL & Wescot on behalf of Sainsburys Bank And Halifax bank credit cards.

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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ok deal with the PDL's as advised earlier

 

for

Capital 1 CC £245.58 - Fredrickson/Lowell

send them a CCA request

strange its been sold on so quick if it is from 2016?

 

for the rest send them this :

https://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments-**Correct-as-at-October-2013**

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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ok deal with the PDL's as advised earlier

 

for

Capital 1 CC £245.58 - Fredrickson/Lowell

send them a CCA request

strange its been sold on so quick if it is from 2016?

 

for the rest send them this :

https://www.consumeractiongroup.co.uk/forum/showthread.php?387346-Ask-Creditor-to-Accept-Pro-Rata-Payments-**Correct-as-at-October-2013**

 

Should i send to Cap 1 or Fredrickson ?

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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No the owner

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

No they've sold it on

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

ok well fredricksons have been keen to speak to me even though initially lowells had it so i will send to them

 

 

"I feel sorry for people who don't drink. When they wake up in the morning, that's as good as they're going to feel all day.”

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No the owner...lowells!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

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