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Payplan Plus for 10 years


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hey all

 

i stumbled upon this forum and reading some posts kinda feel like i have been "cash cowed".

 

I have paid £43.5k in the last ten years, monthly payments going from £450 to now £250.

 

I owe the following to the creditors.

 

Hoist Finance £100

Link Financial £600

Link Financial £500

NCO Europe £900

NCO Europe £100

Paragon £750

Westcot £1200

Wescot £800

Overdraft £1500

 

are any of these enforceable ?

 

my estimate owed is around 7k on payplan.

 

i have read about CCA request but not 100% how to proceed and who i should write to  ?

 

also i have been paying Payplan "payment cover" variable payment over the 10 years and also "life cover" should i be able to claim these back as read other users on this forum have ...

 

any advice would be much appreciated.

 

cheers !

 

 

 

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what type of credit is each debt please?

yes you can reclaim the stealth PPI.

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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good work

send a cca request to each one bar the od debt.

 

id simply just stop paying PP NOW

no need to tell them.

let the plan fail.

 

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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Ok

 

ive found a draft sample of the CCA letter. 

 

Ill send these off this week as I’ve found in a guide along with a postal order. 

 

Ill post an update of any out comes.

 

thanks for the replies 👍🏼

 

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you don't need to find a guide

just click CCA request and read all the post in the link.

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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Share on other sites

sorry links appear to be down

use this one

 

 

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... 

Link to post
Share on other sites

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