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Hi

 

Looking for some advice

 

I have been paying Stepchange for over a year now.

Various Credit Card + overdraft debts totalling just over £30k.

 

I will be hopefully in a position to clear them next year if I can get F&F acceptance at around 35%.

 

Should I also be seeking to obtain CCA's to see if the debts are enforceable and also look at unfair charges etc on the overdraft (Santander)

 

Also possible unfair charges on original account when it was A&L

 

The more I can reduce it down before I make any settlement offer the better really

 

thanks

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yes always

 

can you list your debts please

 

 

original creditor

type of credit

when taken out

who you pay now

outstanding sum

defaulted date


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Halifax Credit Card with Wescot £3967

 

Bank of Scotland Credit Card with Wescot £8580

 

Barclaycard Credit Card with PRA £7773

 

Virgin Money Credit Card with Intrum £6783

 

Creation Credit Card with Lowell £1657

 

Nationwide Credit Card £686

 

American Express with NCO £657

 

Santander Credit Card £562

 

Santander Credit Card £403

 

Santander overdraft with Wescot £1132

 

I am not sure of when these were taken out or what the default date is. What is the easiest way to find out?

 

Many thanks

Edited by danny1105

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credit file


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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halifax Credit Card with Wescot £3967 Taken out 03/04 Defaulted 23/05/2017

 

Bank of Scotland Credit Card with Wescot £8580 Taken out 12/2006 Defaulted 23/05/2017

 

Barclaycard Credit Card with PRA £7773 Taken out 06/2007 Defaulted 22/03/2017

 

Virgin Money Credit Card with Intrum £6783 Taken out 08/2011 Defaulted 17/07/2017

 

Creation Credit Card with Lowell £1657 Taken out 04/12 No default date on credit file

 

Nationwide Credit Card £686 Taken out 06/11 Default date 10/08/2017

 

American Express with NCO £657 Taken out 08/1996 Defaulted 10/04/2017

 

Santander Credit Card £562 Taken out 12/2006 Not down as defaulted

 

Santander Credit Card £403 Taken out 04/10 Not down as defaulted

 

Santander overdraft with Wescot £1132 Taken out 02/2005 Defaulted 05/06/2018

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halifax Credit Card with Wescot £3967 Taken out 03/04 Defaulted 23/05/2017 - sent OC a CCA request

Bank of Scotland Credit Card with Wescot £8580 Taken out 12/2006 Defaulted 23/05/2017 - sent OC a CCA request

 

 

Barclaycard Credit Card with PRA £7773 Taken out 06/2007 Defaulted 22/03/2017 - sent a CCA request

Virgin Money Credit Card with Intrum £6783 Taken out 08/2011 Defaulted 17/07/2017 - - sent a CCA request

 

 

Creation Credit Card with Lowell £1657 Taken out 04/12 No default date on credit file - sent a CCA request

 

 

Nationwide Credit Card £686 Taken out 06/11 Default date 10/08/2017 - sent a CCA request

 

 

American Express with NCO £657 Taken out 08/1996 Defaulted 10/04/2017 - who are NCO's clients?

 

 

Santander Credit Card £562 Taken out 12/2006 Not down as defaulted - sent a CCA request

 

 

Santander Credit Card £403 Taken out 04/10 Not down as defaulted - sent a CCA request

 

 

Santander overdraft with Wescot £1132 Taken out 02/2005 Defaulted 05/06/2018

send satans bank an sar .

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks will get all those sent out

 

Cant find any paperwork for the Amex / NCO card. Will have a further look. Credit file says American Express

Edited by danny1105

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NCO are arrows DCA

they NCO do chasing only they don't BUY debts [same as wetcloths]

 

so whom are the clients is important, I would suspect NCO are acting for Arrows and these have been sold too, thus the CCA would goto arrows.

 

wont hurt to ring stepchange and ask on both


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Could someone please let me know which section of the CCA applies to an overdraft please?

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Hi. I sent out my CCA letters. A couple have come back with copies of the signed agreements. For the ones that haven't or have sent a holding letter, could someone please refer me to the up to date follow up letter that I need to send

 

TIA

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for each CCA return

create a new topic in the forum named after the original creditor

scan up what the fleecers have sent back as an agreement and all its pages to ONE MULTIPAGE PDF

read upload

and attach that to your post in the new topic too.

 

any that have failed the 12+2 working days deadline you can cease pay if you wish until they do comply

there is no 'follow-up ' letter necessary they know the score

 

NO CCA = NO PAY.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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