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DMP to full and final? - been with StepChange for 10 years


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Hi,

I’ve been on a DMP with StepChange for 10 years and have never missed a payment.

I still owe 12k but have been offered 5k by a relative.

 

What are my chances of getting this accepted as a full and final settlement?

 

The companies and amounts involved are two accounts owing

5k to PRA,

one with 1400 to Link and

one with 700 to Westcott.

 

Only the Link debt shows up on my credit file.

 

Advice appreciated thanks.

Edited by dx100uk
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why oh why have you been blindly paying powerless DCA's for 10yrs without questioning the enforceability of the debts?

 

use our search cag box in the red top toolbar

and type in

 

DCA cash cow.

 

dx

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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OK, thanks for the reply.

 

In answer to your question,

I have been paying for ten years because the DMP with StepChange helped to get me out of a very bad place and I have had no desire to go back to being hounded.

 

That said, a decade has now passed and I want to fully move on with my life.

So, is your advice to request CCAs and, if they’re not forthcoming, to stop paying my DMP?

What if they can provide them?

 

And what about the Link account that shows up on my credit file?

My score is ok now and I don’t want to jeopardise that.

 

Sorry for all the questions

- this is the first time I have considered doing anything other than “blindly paying”.

Edited by dx100uk
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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

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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The Link debt would have defaulted with the original lender but it shows up on my credit file as an active and up to date account which began in 2015. This is what concerns me about stopping paying.

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if it was defaulted it must state that date in the summary.

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

LINK have a habit of adding their name to your credit file,Assume you paid through Stepchange (10 years) the original creditor before it was sold to LINK the original creditor (at a guess Barclaycard) if this is the case LINK should not be adding anything to any credit file,the default was issued way over 6 years ago

 

FS

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ring BC and ask what date they defaulted the debt and sold it to plink.

they cant [well very rarely] sell a debt on without defaulting it.

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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You may find that Barclays did not issue a default they are guilty of this often, according to the ICO they are required to do this prior to selling a debt.As dx100uk states,phone them (Barclaycard) to determine if they issued a default, if not you will probably find they will issue a default dated 3 to 6 months after you got into debt with them,

FS

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