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I've been with gregory pennington for 10 yrs - should i leave?


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hi...looking for some advice please...
I've been with gregory pennington for 10 yrs its for 5 debts .
I'm thinking of cancelling them now as I'm sick of the harassment to do a yearly update..
even though nothings changed and I'm paying them 38 quid a month for the honour.
my debts have all been moved from the original creditors to debt collection companies.
heres a list ...
Cabot Financial Services Ltd £2307.66 (overdraft ex rbs)
Link Financial Outsourcing Ltd £459.40 (credit card ex mbna)
Cabot £2614.25 (credit card ex rbs)
Wescot Credit Services Limited £5134.48 (credit card ex santander ex
Wescot Credit Services Limited £5182.93 (loan ex santander)

ok heres my questions..
what can i do ?

do i stop payment to greedy pennies and wait till the credit companies get in touch, then send them a separate car for each account..or cancel GP and
get in touch with the companies to make new payment arrangements .

i don't want contact from these leeches as i did and still do have mental health issues with anxiety.

help....any one ?

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I think you will need to start giving details of the debts.

It might be an idea to give a quick overview of each one in this thread and then somebody will advise you as to whether or not you should start a new thread for each debt.

In particular, we would need to know the dates that the debt was incurred, original creditor, –

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Bar the od debt

send every dca a cca request

as for those with wescot - send it to their client from their letters

 

yes dump greedy pennies today

send them an sar too

get that hidden f&f pot back they have i bet

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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all the debts were pre 2009 i did included the amounts and original creditors in the list ..some of the debts..the overdrafts with rbs go back to 1999 

 

 

why bar the overdraft 

 debts please ?

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Cant cca od's no agreement

Just put them on the back boiler

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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for now yep.

 

I suspect as with all your debts

you are being cash cowed blind.

 

dx

 

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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  • dx100uk changed the title to I've been with gregory pennington for 10 yrs - should i leave?

ive moved you to the DMP forum

lots of threads here to read.

get upto speed.

 

dx

 

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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here is the reply from greg pen.

 

Dear xxxxx

 

Thank you for your email regarding closing your Debt Management Plan. To confirm, I have now suspended your plan and also sent over your creditor list as requested. Unfortunately, we aren’t able to provide bank details. I would like the opportunity to discuss this further to ensure there isn’t any further help we can provide. Please provide a suitable time and day to allow us to call.

 

If you have any further queries, please do not hesitate to ask.

 

Kind regards,

 

xxxxedited Client Request For Creditor Information.pdfedited Client Request For Creditor Information.pdf

gp response.docx

 

Sar sent to gp via email ..

 

now waiting for the worms to appear round the corpse of my old debts 

 

just got this email....how do i respond ?

 


Good Afternoon,

Thank-you for your email.

Can you confirm you have received the creditor list which will detail a lift of the creditors to which you owe funds to?

Is there any further information which you require in addition to the creditor list? We can of course arrange to send you any additional information regarding your plan you require.

Also, we are sorry to hear that you want to close your Debt Management Plan and leave Gregory Pennington. We value your custom and would love to continue to help you on your journey to being debt free, is there any particular reason why you have come to the decision to leave Gregory Pennington?

I look forward to hearing from you.

xxxxx
Customer Service Manager
 

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yea I don't wanna be fleeced by my supposed creditors and you at the sametime😂

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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sorry..im a little confused...

 

I've sacked off greg pen

 

I'm now waiting for the stuff to hit the fan..

 

do i wait for the individual companies to get in touch?.

Also do i send them an sar or a cca letter ..sorry to be stupid..but I've spent years perfecting it 😉

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re read your thread and others here in this Self help DMP forum..get upto speed.

you should have sent a CCA request s as detailed in post 3

 

dx

 

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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cca requests all sent now except for the one to cabot as they have the overdrafts in one account ???

 

only found out that one going through paperwork .

 

waiting game now ...

 

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  • 3 weeks later...

ha ha ha..so far 

I've had one letter from cabot saying they can't find the cca so its unenforceable but they'd like me to keep paying....

not going to happen...

 

santander debts...they are looking for the cca 's

 

wescot...nothing so far...this is great ..illl be making a donation on pay day ..thankyou 

Edited by badguitarman
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wetcloths??

we never said send one to a chaser dca it goes to their client...

 

see told ya.. cash cowed..well done¬!

 

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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for debts of the age these are very unlikely and ofcourse more than likely unenforceable anyway.

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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  • 4 weeks later...

start a new thread and post those up as ONE PDF file only please

 

read upload

 

dx

 

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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