Jump to content



I really need some help with debts & Stepchange


Recommended Posts

I need to ask something,

 

My debit card is registered with Argos/very/littlwoods.

 

Should I cancel my debit card and request a new one I'm not sure if they can still charge against my debit card without my permission?

Link to post
Share on other sites
  • 2 weeks later...
  • Replies 91
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

Yup, you may very well find that most of this stuff is unenforceable.

Do not engage under any circumstances on the phone, they are trained to trick you into agreeing to things.   If everything is done in writing by post,    A. You are in control

and don't waste money on recorded delivery!! 2nd class stamp is good enough.   if you wish to do a budget sheet that's upto you but never fill out theirs.   and again if

Guys I've now stopped payments on 2 of them likely loans being one of them who have already contacted me soon as DD was cancelled.

 

Should I contact them by email regarding my status or is it best to do everything in writing and post it?

 

I'm going to offer payments of £5 a month and was wondering should I do this right away or wait a while till they pass it onto a DCA?

 

If they reject the offer do I still make payment via options on their site debit card or not make any payments at all because they are rejecting it?

 

I'm new to doing this on my own so looking for a starting point.

Link to post
Share on other sites

on the ones that are not owned by dca's yes pay what you said and when you said

if they write back create a new topic [hit create up the top in the red banner] in the named forum for the original creditor for that debt lets start getting things split off else it will be a nightmare .

 

never use email!! 

use royal mail 2nd class post is ok unless CCA request then use 1st class with free proof of posting from any po counter.

  • Thanks 1

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.

 

 

Link to post
Share on other sites

Ok after reading back the whole thread and looking around the forum think I am starting to understand.

 

ok so Likely loans/very/littlewoods/argos will be recent debt so I will be offering payments to them

 

The others I will be asking them for the original ownership of the debt with a CCA request.

 

I'll post back with an update once I've caught up with all these and take it from there once I hear back from them

 

Thanks again

 

Link to post
Share on other sites

debts owned by DCA's CCA request

debts owned still by the original creditors ..offer payment

use the cag letters already pointed to

 

dx

 

  • Thanks 1

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.

 

 

Link to post
Share on other sites

When doing a CCA request these debts are post 2007 I read today that laws changed for pre and post 2007 on CCA requests would requesting for them being post 2007 make a difference still?

Link to post
Share on other sites

just type don't hit quote..

 

there is a diff

 

ultimately pre 2007 must be a copy with sig

post 2007 maybe not

to be enforceable 

but we'll advise when you get them back..or if!!

 

but don't worry about that kinda stuff yet.

 

follow carefully the advice given on what to do for OC/DCA owned debts

then we'll deal with the forest as it comes.

but please do as post 13 if you have anything specific to do with any one debt

 

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.

 

 

Link to post
Share on other sites
  • 2 weeks later...

I've stopped payments on 2 of the current creditors Argos and Likley Loans and in the process of writing to them today with offers of £5 per month.

 

payments were due start of this month so I haven't paid anything yet.

Likley are like hot cakes calling me, emailing and texting about 9 times a day asking for payment.

 

Do I make any payments e.g the £5 yet or wait for them to get back to me regarding that payment?

I'm not sure about argos but likely either offer DD payments or to pay online via debit card.

I've asked for standing order forms in the letter getting sent out.

Link to post
Share on other sites

I would do as you say 

pay by bacs not card nor so.

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.

 

 

Link to post
Share on other sites

Is there a reason as to not pay by debit card via their online payment methods?

 

However I'm wondering why a bank transfer payment wouldn't a SO be better?

Link to post
Share on other sites

Standing order is always the best option as your in control...hence the reason a lot are not to keen to let you set a SO.

 

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

 

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

Link to post
Share on other sites

I'm just wondering Argos as an example have my card details stored on their site for payment, However there is no option to remove the card details.

 

Can they charge my card without my CVC number?

 

or will I need to cancel my debit card and order a new one?

 

 

 

 

Link to post
Share on other sites

Stop the Direct Debit and set up a Standing Order...you simply need the account details to set it up..which you can do on your own through on line banking.

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

Link to post
Share on other sites

if establishments or creditors have your card number

yes they could use them

 

phone your bank and tell them to cancel any open continuous Payment arrangements showing 

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.

 

 

Link to post
Share on other sites
  • 2 weeks later...

So those that have seen my older posts as the letters come in I will write them up here.

 

Stepchange closed my account on Tuesday and wrote to all parties I was paying my DMP to,

 

My first letter came today x2 from Westcot.

 

One is for  "Working on behalf of HSBC"

 

The other is

 

"working on behalf of Cabot Financial Europe LTD"

 

What should I do at this stage?

Edited by finaldj
Link to post
Share on other sites

nothing.

wetcloths are are only gophers.

 

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.

 

 

Link to post
Share on other sites

So just ignore any letters and phones calls that might come from them and deal with the next ones they happen to pass the debt onto?

 

Are cabot a bit like wescot just acting on behalf of a company?

 

Edited by finaldj
Link to post
Share on other sites

no, their clients. should they ever make contact.

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.

 

 

Link to post
Share on other sites
  • 3 weeks later...

Right guys,

 

I sent a letter off to Likley Loans dated 16 July regarding circumstancies following the templates on here and adding my bits with an offer of £5 per month.

 

They have so far ignored the letter, still call, text and send emails.

 

This is the most recent email they sent me last week.

 

"Our records show that your Likely Loans account remains in arrears. Please get in touch with us in the next 7 days to discuss your account. If we do not hear from you we will send your account to Themis Recoveries who will commence debt recovery activity on our behalf"

 

What should I do at this point? write to them again or wait for TR to write to me on their behalf and deal with them?

Link to post
Share on other sites

and Themis Recoveries are a ??

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.

 

 

Link to post
Share on other sites

Well reading the what is said a client that act on their behalf. a bit like what you said with Wetcloths to just ignore them?

 

What do I do at the moment with likely not responding to my first letter should I shoot off a 2nd one to them stating they haven't responded to the first one yet?

Link to post
Share on other sites

yes ignore dca's

 

dont chase..No.... have you made the promised payment?

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.

 

 

Link to post
Share on other sites

Hi,

 

Yes in the letter template from the site here I offered a £5 a month SO payment and asked for them to send their details so a payment plan could be setup until such a time as my situation improves. However the emails and text they send keep directing me onto their website where I can either pay by card or setup another DD with them.

 

The DD is done through their own webform by me giving them my bank details to setup a DD there isn't an option with their details to setup a SO which is why I asked them to pass them onto me so I could set a plan up. they appear to have ignored the letter but keep sending me emails saying they can help me if in diffi

culty etc and to give them a call

Edited by finaldj
Link to post
Share on other sites

just use bacs as I said

that way its not permanent

if you are short one month due other priority debts tough luck to them.

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.

 

 

Link to post
Share on other sites
  • 4 weeks later...

Just an update to this thread.

 

Likely Loans have taken my offer of £5 a month payment for 6 months to be reviewed in 6 months time.

 

Argos have refused an offer of £5 a month instead they want me to fill out a financial assessment form so that they can then discuss what payments to make?

 

Very/Littlewoods have so far not responded to the letter I sent which was the same date as Argos however I do have account details to setup payments for a standing order so should I do this or wait for a response back first?

 

Westcot have now taken on the debt for HBOS from link financial (which says working on behalf of HBOS)

 

Westcot have also taken a debt on for £2,407 it doesn't say what its for just that they are working on behalf of Cabot ( i assume its the Natwest debt)

 

Intrum have taken on the Tesco Debt

 

and Cabot have taken on the 11k Zopa loans debt

 

Other than likely loans responding to me and me setting up a payment to them I haven't done anything with the other debts yet (other than writing to argos and Very/littlewoods, likey loans)

 

 

I'm off work Wednesday so want to clear everything up so I know where I am

 

I'm confused between who a DCA is and who the others are and who I should ignore and who I shouldn't? and should I do a CCA request if they work on behalf of?

 

Cabot

 

Intrum

 

Westcot

 

PRA group (they just call they haven't sent any letters out yet)

 

Ok I just found out that Cabot bought westcot in 2017.

 

 

 

 

 

Edited by finaldj
google search 2 debt companies (merged)
Link to post
Share on other sites
  • dx100uk changed the title to I really need some help with debts & Stepchange

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...