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Phoenix nights

Stepchange DMP - need help and advice please...

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Hi 

 

I have been on a DMP for past 2 years now, with stepchange.

 

I cant afford the high payment I was making anymore £390, due to things changing at home, so have to go back to SC to ask for reduce payment.

This will potentially see me being debt free in 12 years instead of 6!

 

I have reading a few forums here and needed you expertise and opinions as I have noticed a few strange things whilst going through my credit report etc:-

 

Here are my debts listed on SC:-

 

PRA GROUP - Barclaycard £11252.41 - started 6/12/10 - Settled (does that mean defaulted?) 22/03/17

 

WESCOT CREDIT SERVICES - Santander Loan £4001.30 - started 15/8/16 - settled - 31/10/17

 

CABOT - Virgin Money CC - £3028.89 - started 5/4/12 - settled - 7/11/17

 

RATESETTER - £2536.80 (NO Default information on report?)

 

MOORCROFT - INTRUM - Halifax CC - £1363.70 - started - 18/6/12 - settled - 17/04/18

 

WESCOT - Santander Overdraft - £887.33 - started 21/4/2008 - settled - 6/9/17

 

POST OFFICE CC - £456.08 - started 18/12/2009 - settled - 02/05/17

 

CABOT - Yorkshire Bank CC £411.79 (NO Default info on credit report?)

 

The strange things I noticed is that there is no mention of a default from yorkshire bank.

 

Also there are defaults from PRA GROUP and CABOT as well as the banks they represent in the defaults (Halifax and Barclaycard) is that normal?

 

I could really do with help and advice of what I can do with this please.

 

As I do not want people coming to my house, if I stop paying. Things are stressful at home at the moment, so dealing with this on my own, as they are all mine.

 

Any help, would be greatly appreciated.

 

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1st...settled on the credit file entry does not mean defaulted no..the debt details will be the file for the same debt under the DCA that bought the debt.

2nd a DCA is NOT A BAILIFF and have ZERO legal powers. so stuff any worry about powerless doorsteppers!!

 

to me it looks like you are being cash cowed blind here on several debts.

 

bar the OD debt.. which you can ignore for now [but tell us whom are wetcloths client]

 

send a CCA request to each debt OWNER [in the case of wetcloths their stated client]

 

dx

  • Like 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.

 

 

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hi dx

 

thanks for the reply, and advice.

 

I can see sending a CCA request using the template is straightforward for the credit card ones (PRA GROUP, CABOT, MOORCROFT-INTRUM).

 

For the two WESCOT, you mentioned leave the OD one?

however the for the loan one it was Santander, so CCA them?

 

RATESETTER (loan) looks like it is not using a DCA, so do I still CCA them too or no point?

 

Same for POST OFFICE (credit card), as there is no default that I can see on my report do I still CCA them too.

Is there a risk I will get into more bother?

 

Lastly the halifax credit card was with MOORCROFT, however received a letter last month that INTRUM have taken over but I should leave payments as they are with STEPCHANGE.

Noticed on step change, it has changed to MOORCROFT-INTRUM, are they the same company.

 

Apologies for the breakdown, just want to make sure I dont make a mistake when sending out the CCA's.

 

Thanks again.

 

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43 minutes ago, Phoenix nights said:

hi dx

 

thanks for the reply, and advice.

 

I can see sending a CCA request using the template is straightforward for the credit card ones (PRA GROUP, CABOT, MOORCROFT-INTRUM).

 

For the two WESCOT, you mentioned leave the OD one? - forget the od debt for now.

however the for the loan one it was Santander, so CCA them? - cant hurt or send our pro rata letter from the debt collection section of our library.

 

RATESETTER (loan) looks like it is not using a DCA, so do I still CCA them too or no point? - start a new thread in the PDL forum please

 

Same for POST OFFICE (credit card), as there is no default that I can see on my report do I still CCA them too. - cant hurt or send our pro rata letter from the debt collection section of our library.

 

Is there a risk I will get into more bother?

 

Lastly the halifax credit card was with MOORCROFT, however received a letter last month that INTRUM have taken over but I should leave payments as they are with STEPCHANGE.

Noticed on step change, it has changed to MOORCROFT-INTRUM, are they the same company.- no Moorcroft are simply goffers like wetcloths..cca Intrum

 

Apologies for the breakdown, just want to make sure I dont make a mistake when sending out the CCA's.

 

Thanks again.

 

 

per I think i'd cancel stepchange once these fleecers start to failed the 12+2 working days deadline and eal with the others yourself.

 

most of these debts are historic and paperwork will more than likely not be enforceable IF they ever reply to your various CCA requests.

 

lots of like threads here in this debt self help forum. just Debt management and Debt self-help

and go read a few.

 

you'll soon get the idea

  • Like 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.

 

 

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Thanks dx

 

I am looking forward to the day I can stop the payments, for the ones I don't have to anyway!

 

I will get onto these as soon as possible, and feedback.

 

Thanks

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Hi All

 

I have been having a few problems. But have finally managed to send the CCA's out.

The first reply is in. I have scanned and uploaded for you to see.

 

Are these typical responses?

They mention another reply in 2 weeks. Is it best to wait until all these, as my DMP payment goes out on the 1st for all of them. So may have to wait until all responses are in before asking Step change to remove some off?

 

CCA's were sent out 6/12.

 

Thanks

 

 

 

 

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pdf only please

Read upload

 

as already advised earlier

If any exceed 12+2 working day limit you may cease payment

 

Pers id dump dmp now


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.

 

 

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Hi DX100uk

 

Thanks for the reply.

 

Apologies will upload in PDF for any others I receive.

 

The ones I have sent CCA's for are below, together with the ones I have not as yet:

 

PRA GROUP - Barclaycard £11252.41 - CCA SENT 6/12

 

WESCOT CREDIT SERVICES - Santander Loan £4001.30 - CCA NOT SENT

 

CABOT - Virgin Money CC - £3028.89 - started 5/4/12 - CCA SENT 6/12 (received reply as below)

 

RATESETTER - £2536.80 (NO Default information on report?) - Cannot send CCA?

 

MOORCROFT - INTRUM - Halifax CC - £1363.70 - CCA SENT 6/12

 

WESCOT - Santander Overdraft - £887.33 - CCA NOT SENT

 

POST OFFICE CC - £456.08 - started 18/12/2009 - CCA NOT SENT

 

CABOT - Yorkshire Bank CC £411.79 - CCA SENT 6/12

 

one is a overdraft so will have to carry on with that?

 

Not sure what to do regarding RATESETTER?

 

Thanks

 

 

 

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already detailed what to do for each debt in post 4.

 

 


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.

 

 

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Thank you. I have attached the CCA responce from PRA just received. If it helps anyone out as well.

 

Will let you know what I get back if they find any other 'documents'.

 

I am hoping to cancel the DMP with stepchange as soon as I can.

 

I am bit confused in how to deal with Wescot, Do I ignore them altogether, when sending the CCA request to Santander for the Loan and Overdraft. Will

Santander automatically let Wescot know whats going on?

 

I will also start another thread as advised for the RATESETTER loan i.e. how to deal with it.

 

Also how do I donate please as this has been very helpful for me.

 

Thanks.PRA+CCA.pdf

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already detailed you ignore wetcloths.

 

ignore the od for now

cca satans bank re the loan

 

as for the DMP 

again already detailed what to do before

numerous CCA request are now outside of the 12+2 working days deadline...DUMP stepchange

stop being a cash cow to everyone.

you should have actioned these CCa requests back in august then you would of had not to have wasted another 5 mts of money paying the cash cows and had a better xmas with it!

 

 

 

 


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.

 

 

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sobering advice DX, thanks.

 

I will feedback, if I have any issues, questions.

 

Donated!

 

cheers.

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