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    • Hi    another quick update   Just had my Mediation call and advised them that I do not have enough information from PRA to continue with the mediation.   The mediator relayed that  PRA confirmed they have sent me the agreement and statement and that PRA believe this is enough to determine that this is my debt.   PRA confirmed that they do not have the "default notice" but believe the information they provided is enough for the court   Now I will just wait for the court process to initiate and in the meantime i will continue to work on my statement   thanks    
    • Hi all,   just checked my credit report on Credit Karma, and I’ve had a search from ‘Lexusnexus’. do I need to be concerned? Since they are a data mining company from the states, is this the precursor to potential legal action?   H
    • Online part done. CCA and CPR - send recorded?
    • Hi,   Thanks for your reply.   Firstly I asked several times for a refund closer to the time I enrolled on the course and was told I could not have one due to the center paying for the course upfront. I did make it very clear that I was struggling with the course, however due to the center not being open when I could attend that I would not be able to finish it, also that due a change in job role I would be unable to make days when the center was open. However given that the center advertised several times it would be open late and on a weekend this was not honoured several times and yes I have a detailed log of this.    The entire cost of the course was over £3700 - I can get back to you with the exact amount once I am home as I have kept the recites   There was also an incident with the Sage course due to it having to be studied within the classroom - when I was able to get into the venue the package was not working and also the obvious reason for the center being closed.   The course was conducted via mixed methods, however when trying to complete the training online their system was not working, so could not be accessed whilst I was trying to study at home. I did phone the center about this at the time, however this was not remedied.   Thanks
    • First of all you should understand that this is going to be difficult – partly because you have left it so long, partly because of their franchise system it is very difficult to pin them down and finally because you have already said yourself that some of the reason for not completing the course is because of your own mental/emotional state. Your poor health at the time was very unfortunate – and I'm very sorry about that – but that is not something that you will be able to rely upon if you attempt to recover any money. In fact it would be in your best interests not to refer to this. Have you already brought this up with them? Could you please tell us how much the entire course cost. Also, you will need to give a fairly detailed chronology of the listed class times and the times that they were closed without giving you notice. We need to understand what impact these are notified closures had upon the total amount of allocated time. Was the course conducted mostly online or was it conducted with face-to-face contact at their classrooms?
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Am I on the right track?

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Long time reader of the forum and now my first post!


I have been in a DMP with Payplan since 2004 paying £200 a month  towards six debts with a  total starting balance of over £40,000.  All are long gone from my  credit file and are all with DCA either sold or managed, I don’t think any are with the original creditors, they have changed between DCAs many times I have printed off the full history for each debt  from Payplan in case I need it.

I realise I have been cash cowed and currently have an outstanding balance of £3,531 as follows:


Original debt                                                     now with                             current balance

Alliance and Leicester Loan                         Wescot                                  £276.12

Alliance and Leicester Credit card               Link                                        £174.89

MBNA Credit Card                                          Drydens Fairfax                    £1,165.01

First Direct                                                       Moorcroft                              £1,431.72

Co Op Loan                                                      Cabot                                     £266.10

Citi Bank                                                           Fredrickson                          £217.20


My original plan was to  go self managed, pay off the four smaller ones in full in January and then divide the £200 between the two larger ones and have those paid off in full within the year.


However having read through the forum recently I am inclined to see which if any are unenforceable.  I have my six letters and my six £1 postal orders ready to go but would appreciate any advice, anything I might have missed and no doubt further advice as the letters start to arrive!

A couple of points, I have claimed all the PPI I am able to, two years ago I received PPI from Santander for the Alliance and Leicester Loan, I supplied them with a  copy of my original credit agreement to do this.


First Direct were my current account bank at the time, their outstanding debt was rolled up and was current account overdraft, two loans and one credit card.  I also made a PPI claim two years ago against one of the loans and again supplied them with the original loan agreement.


Many thanks

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Send the CCA letters off now.  I shame it wasn't done years ago.  This advice has been available here for at least 10 yrs or so

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I know and I was too scared to follow it!  


Am I right in thinking the advice is still not to bother with recorded delivery and to just ask for proof of posting for each?

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yes just POP.


1st direct will be the HSBC managed loan syndrome whereby they merge everything in to a loan the dump it back into your current account as a giant OD that you never even agreed too. totally against all banking codes.


just make sure you sent the CCA to the CORRECT people

Moorcroft and wetcloths are NOT DEBT BUYERs

so sent the CCA to their stated client from their letters.




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thank you, letters all ready to go!

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nothing signed!


When does the 12 + 2 days start running?  is it from when they received the letters or me posting them?

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