I have been with PP since April 2006. I have paid in total around £40K but still owe £14K. I have reduced the payments over the years as I no longer work. I have had an excellent credit rating since 2014 and all the debts listed below have never appeared since 2014. I am now going to live abroad and unsure how to proceed. Details are:
3 x Hoist 2 x bank accounts 1 credit card originally with HSBC/then Lewis/Hoist/HSBC/Hoist Total £2.5K (£1600 is the CC) I applied some years ago for a CCA. They placed my account on hold whilst requesting info from HSBC. They sent 2 follow up letter to me saying still waiting and since then nothing although they regularly offer me settlement letters with a 20/30% discount. 5% on the bank accounts
Link credit card originally Egg then Barclaycard and now Link. CCa requested some years ago via Barclaycard and they sent a reconstituted agreement and confirmed they were unable to provide the copy of terms for my agreement but went on to remind me I still had a duty to pay although they could not enforce. Amount outstanding £2K
Link x 2 MBNA CC. I applied for CCA and both received (they had to request them from MBA first so took time ) Total outstanding £6K
Paragon was M&S CC CCA requested and received but by Moorgate (must be Paragon?) Amount outstanding £900
Westcott credit services was Natwest/RBS was a Mint CC sold to Westcot/Cabot and then back to Westcot CCa requested and received Total outstanding £2K
All the CCa provided a copy of the agreement with my signature. There was no PPI, I checked all that. Im unsure how to proceed and wanted some advice, my thoughts are:
Should I give them my new address abroad? Occasionally some of them send me a statement, but I wish they would not as this all happened before I remarried so have never shared this info with my hubby.
Do I reduce the amount I am paying via PP from the current £70 to a more affordable amount
Should I bin of PP and go direct to them with new address and F&F offer of around 20% ( I will be in a position to offer this next month) but it would be a one of as I will be gifted some money
I will no longer be on the electoral role in the UK but do not want to cause any problems down the line. I would just like this whole thing done with. I defaulted in 2004 so 16 years ago and so many charges were added at the beginning, I think the debt to start with was only £45K.
Any advice would be greatly appreciated. Thanks in advance
pers i'd insist they default you and mark the debt as such.
don't wait for them to agree
pay what you said when you said
then see if they agree to your terms
id not letter two time that's there as well.
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