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

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In Summary i am sending £1 postal orders with letter.

 

 

Cabot Financial (Europe) Ltd .. cca request

Cabot Financial (Europe) Ltd .. cca request

Cabot Financial (Europe) Ltd .. cca request

Cabot Financial (Europe) Ltd .. cca request

Hoist Finance .. cca request

Lowell Financial Ltd cca request

Moorcroft Group Plc cca request to ARROWS

Moorcroft Group Plc cca request to ARROWS

NCO Europe Ltd .. cca request

PRA Group Ltd .. cca request

PRA Group Ltd .. cca request

Wescot Credit Services cca request to RBS

Wescot Credit Services cca request to RBS

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not NCO, their clients amex


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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thanks will send it to american express

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just a quick question should i use the old american express account number or NCO which is a different account number.

 

thanks.

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on all cca request you use the OC's number


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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All?

 

I have 4 accounts with Cabot so i send the CCA to Halfax Credit Card Services who owned the debt in 2005?

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grr read things properly and carefully.....

 

a CCA request goes to the OWNER of the debt now.

the account number you use on the CCA request is the ORIGINAL ACCOUNT NUMBER from the ORIGINAL CREDITOR.


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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Regarding american express on payplan 2005 it states Newman & Co plus an account number.

 

In 2015 it reads American express / NCO plus another two account numbers.

 

Advice please.

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nco is newman and co.

 

use the 16 digit card number

send to amex


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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RESULTS.....SENT REQUESTS 21 DAYS AGO

 

Cabot Financial (Europe) Ltd .. CCA Request.......They have stated UNENFORCEABLE

Cabot Financial (Europe) Ltd .. CCA Request.......They have stated UNENFORCEABLE

Cabot Financial (Europe) Ltd .. cca request.........3RD Account they have failed to reply

Cabot Financial (Europe) Ltd .. cca request.........4th Account they have failed to reply

Hoist Finance .. cca request..............They have stated REQUESTING INFO

Lowell Financial Ltd cca request.........They have failed to reply

Moorcroft Group Plc cca request to ARROWS..They have failed to reply

Moorcroft Group Plc cca request to ARROWS..They have failed to reply

NCO Europe Ltd .. cca request.....................They have failed to reply

PRA Group Ltd .. cca request.................They have stated REQUESTING INFO

PRA Group Ltd .. cca request.................They have stated REQUESTING INFO

Wescot Credit Services cca request to RBS....They have informed me that they have legally sold the debt to CABOT (sent cca request today)

Wescot Credit Services cca request to RBS....2ND Account They have informed me that they have legally sold the debt to Cabot(sent cca request today)

 

What do i do next?

 

I am due to pay PAYPLAN my monthly payment.

 

Thanks for any advice.

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so I make that about £45k worth of debt looking uncollectable and out the hands of the cash cowers.

 

now you stop paying Payplan so the ruddy fleecers all don't get their money, shame 90% of their staff wont get a free family holiday on you this year!!

 

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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what should i do about those who did not reply?

 

should i send a follow up letter?

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nope - they failed - they had 12+2 working days...end of problem.

STOP PAYING .

 

if par chance any of them latter send you anything they claim is paperwork relating to any of the debts

start a new thread off the top left main forum tab.

scan EVERYTHING up to ONE multipage PDF

after carefully following upload

and WE will check it..but I doubt it...well done!

Edited by Andyorch
edited

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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thanks for your help

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UPDATE

 

Lowell Financial Ltd.....Received a letter today and they have closed the account and written off the debt in full.

 

NCO Europe Ltd (american express).......after 4 weeks received a SPECIAL RECORDED DELIVERY today with all the documentation including my original signed application form 50 pages so i still owe them £5214.44

 

I am still with Payplan but did not make my monthly payment.

 

Any advice appreciated thanks.

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Yup, Lowell did that with 2 of my debts, both written off, both scrubbed off my credit file. That was 2 years ago now, and I've not heard anything else from them, so I'm assuming that is the end of the matter.

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Start a new thread on the cca return

Scan it all up to one multipage off minus statements

Read upload


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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NCO Europe Ltd (american express)

 

Now that they provided the documentation should i now recommence my monthly payments?

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to amex only

did you do the pro rata letters etc here

or just blindly offered them a fixed sum you thought was resonable, and have they frozen all int and charges?


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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I have been paying NCO Europe Ltd (amex) through Payplan £12.09 every month for the past 15 years.

 

pro rata between all creditors. they have frozen all int and charges

 

Estimated completion date: * 30/04/2055 I will be 103 years old.

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Well you dump pp and negotiate your own deal with amex..use the pro rate letter is in the library


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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would it be worth offering full and final and what should i offer.

 

 

thanks

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do you have all the statements?


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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I have no statements never received any.

 

My debt via NCO EUROPE (amex) is £5214.44

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