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    • In theory no, but CPR is just a request, DCB Legal could just refuse to reply and may well do so.   Personally I'd send Highview a SAR as well.  It can't harm you.  The worst that can happen is that it costs you a 2nd class stamp and you'll end up with two copies of the same paperwork.  Get a free Certificate of Posting from the post office.   Plus it'll annoy Highview and force them to do some work 😉
    • I'm afraid I don't know.  Hopefully someone more knowledgable will pop in.   Have a read of this thread.  It's short and I know the OP did a lot of work investigating planning permission  https://www.consumeractiongroup.co.uk/topic/430277-pcmuk-ltd-anpr-pcn-st-michaels-retail-park-basingstoke/#comments    
    • Hi   A couple of things. This was an overdraft, ie there was no individual signed agreement? It was generally the case back then, they were called Tacit agreements, the facility was there for you to draw on but it was not covered by part v of the consumer credit act, therefore there is no need for them to send a DN under section 87 of that act. The do however have to warn you about recording a default(little d) on your file. You will probably  find your termination notice was sent under section 98 or 76 of the cca. Should be 98 none default termination really. This means that the full sum is due on demand after termination, you should check your agreement to confirm this. This does not mean its payable at that point.   Overdraft statute bar is covered by section 6 of the SOL not section 5 and applies six years from when the loan was recalled. So it should have been SB from that date.   If they say the termination notice was not a demand, you can say, Ok why is it being recorded as such now   As far as registering a default, it was they who terminated and failed to suggest an alternative payment arrangement, so what exactly did you default on.   I remember there was a big issue about the termination of egg agreements on here about 2011.Egg terminated all there none performing(not defaulted) agreements and sold the lot, I think it was to Barclay's funny enough.                     /    
    • Enjoy your walk dx.  I have the day free so can keep popping in here.   The OP has checked for PP and found nothing.
    • Thank you very much, I've sent that off to them. Hopefully they will accept the offer rather than just refusing it outright. 
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

been with payplan for 12yrs..now advise IVA.


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I was 66 yrs old 2 days ago.

I have been in hospital for 3 weeks

just got out but i have been worried about all my debts (plenty of time to think in a hospital bed)

 

Summary

 

1) I have been with Payplan for 13 years and i have never ever missed apayment.

 

2) I have paid back £19,206.54 and my remaining debt is £52,233.72

 

3) My estimated DMP completion date is 28/04/2055 in which i will be 103 years old.

 

4) Owing to bad health i will not be around that long.

 

5) Payplan keep pushing me to start an IVA which is bad advice as it is not guaranteed i could keep up with the payments.

 

6) All debts are from 2005 and are not reported on my credit file also interest was frozen years ago.

 

7) I have 12 creditors Wescot Credit Services, Cabot, PRA Group Ltd, NCO Europe Ltd, Hoist Finance, Lowell Financial Ltd etc

 

😎 Most of these debts have been resold many times.

 

Hoist Finance have sent me a letter offering a 69% discount on a debt which my son has offered to pay on my behalf.

 

I am thinking about offering full and final payments over the next 5 years if i live that long and if i can gather any money together.

 

I have ZERO assets and live in rented property.

 

I will not declare bankruptcy under any circumstances.

 

Can you offer me any advice which would be very much appreciated

 

I am very worried about this and somewhere along the line i need to try and put money away for my funeral.

 

I am very grateful for your help and thank you for your time.

 

 

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£5,002.19[/TD]

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,075.66[/TD]

[TD=class: expand_link][/TD]

 

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,520.76[/TD]

[TD=class: expand_link, width: 10%][/TD]

[TR]

[TD=class: cred_name]Cabot Financial (Europe) Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£3,663.85[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Hoist Finance[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,084.62[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Lowell Financial Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£3,282.98[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Moorcroft Group Plc[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,413.83[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Moorcroft Group Plc[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£8,226.64[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]NCO Europe Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£5,267.35[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]PRA Group Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£2,895.64[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]PRA Group Ltd[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£1,666.09[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Wescot Credit Services[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£7,997.31[/TD]

[TD=class: expand_link, width: 10%][/TD]

[/TR]

[TR]

[/TR]

[TR]

[TD=class: cred_name]Wescot Credit Services[/TD]

[TD=class: acc_no]..[/TD]

[TD=class: amount]£7,136.80[/TD]

[/TR]

[/TABLE]

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stop paying ALL OF THEM

and send each one a CCA request

 

for 12yrs you've been cash cowed

 

bet not ONE of the debts are even legally enforceable now.

 

stop dancing to DCA and payplans tunes...ITS YOUR MONEY..TAKE CONTROL!!

not let them BLINDLY lead you.

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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I have removed all the account numbers from your post

we don't need them

would be nice to see what the original debt was

and who was the original creditor.

 

moved to the debt selfhelp forum

and retitled

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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Wow! I bet very few if any will have adequate CCA agreements for those accounts. Get some CCA requests off and don't pay a penny more to those who cannot come up with the relevant paperwork

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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The Wescot and Cabot ones stick out like a sore thumb - they only usually buy debts that have no hope of being enforced via the courts. Have any of the debts actually been through a court in the past?

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

DONATE HERE

 

If I have been helpful in any way - please feel free to click on the STAR to the left!

 

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When sending CCA requests is it ok to send a cheque for £1 rather than postal order?

 

I presume they should be sent by recorded delivery.

 

Thanks for your help very much appreciated.

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no!! read why in the CCA posts.

no need to waste money

all you need is free proof of posting from any PO counter and 1st class.

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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Youre being cash cowed hard. Chances are you owe NONE of that.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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dx100uk many thanks for all the links which i have now read.

 

I have just purchased 13 x £1 postal orders and will print out the forms and send them off on Monday.

 

I will keep paying Payplan until i receive replys from creditors and will let you know the outcome.

 

I have not been in good health and could not tolerate the stress of debt collectors banging on my door also receiving threatening letters.

 

dx100uk it is very good of you to take out your spare time to help me and i thank you and everyone else who has replied.

  • Haha 1
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a dca door stepper IF they ever did come are totally powerless.

 

for wescot, nco and Moorcroft

send the CCA request to their stated clients from their letter ..not directly to them.

 

pers id just stop paying PP now.

 

you'll soon get the flurry of deforestation thru you letter box

then we can deal one by one.

 

if you don't know the clients as above, then don't bother with a CCA to wetcloths NCO or Moorcroft

just stop paying. and you'll soon know who needs it to be sent too.

 

cant find the thread at present

but there was one chappy that was paying those 3 for the SAME DEBT...turned out he was +£400 in credit..got the lot back+interest.

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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This is the info off Payplan website for NCO EUROPE

 

Newman & Co 16/02/2005

Newman & Co 16/02/2005

Newman & Co 16/02/2005

DO NOT USE - NCO Europe Ltd10/03/2005

DO NOT USE - NCO Europe Ltd08/05/2012

NCO Europe Ltd 09/08/2013

American Express 20/07/2015

NCO Europe Ltd 21/07/2015

American Express 08/10/2015

NCO Europe Ltd 08/10/2015

 

 

This is the info off Payplan website for MOORCROFT ACCOUNT 1

 

 

MBNA 16/02/2005

MBNA International Ltd 16/02/2005

Wescot Credit Services 26/07/2007

Arrow Global Limited 10/02/2017

Wescot Credit Services 10/02/2017

Arrow Global Limited 23/04/2018

Moorcroft Group Plc 23/04/2018

 

 

This is the info off Payplan website for MOORCROFT ACCOUNT 2

 

 

Goldfish 16/02/2005

HFC 16/02/2005

Goldfish Bank Ltd 14/06/2005

Wescot Credit Services 17/06/2005

Arrow Global Limited 10/02/2017

Wescot Credit Services 10/02/2017

Arrow Global Limited 23/04/2018

Moorcroft Group Plc 23/04/2018

 

Who do i send CCA request to.

Edited by dx100uk
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so

 

AMEX card...looks to be still owned by the OC

 

MBNA card - now with Arrows

 

HFC Goldfish card - now with arrows.

 

 

just stop paying NCO for amex..await their letter..no need to CCa yet

 

 

2*CCA to arrows re goldfish and MBNA cards.

(goldfish HFC CCA agreements don't exist they were shredded years ago]

 

MBNA CCA returns rom arrows are typically unenforceable cut n paste jobbies

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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This is the info off Payplan website for WESCOT

 

 

Royal Bank Of Scotland 16/02/2005

Natwest/RBS 16/02/2005

Wescot Credit Services 29/07/2016

Cabot Financial (Europe)25/07/2017

Wescot Credit Services 25/07/2017

Cabot Financial (Europe)18/12/2018

Wescot Credit Services 18/12/2018

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sorry what does that mean?

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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Wescot do not buy debts and therefore not the creditor...only chase....CCA request to RBS

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Make sure its RBS and not Nasty West :becky:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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