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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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on all cca request you use the OC's number

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 3 weeks later...

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 2 weeks later...

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.

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

 

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

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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do you have all the statements?

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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