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Hi,

 

Apologies if I don’t get the etiquette completely right this is my first post. Thanks for reading and I hope you can advise.

 

I started my DMP late 2007 (edit typo should be 2017 - dx) with debts totalling 47k (all unsecured credit cards and a loan).

I joined StepChange and have been paying approx. £950 a month

I am now down to 19k and have decided to go self managed to have more control with how I pay my debts.

 

I have 2 large debts

Intrum (originally Tesco credit card) 4.5k default

Link/Westcot (Halifax loan) 8.2k default

I have 4 credit cards debt totalling 6k being marked as DM or AP on my credit reports.

 

I wrote to all numerous times trying to argue default but they refused.

My plan now is to pay the 6k credit cards off in the next 6 months and get them off my file.

 

In the meantime I have written to the two defaulted accounts and have offered  a 25% settlement fee last week.

I have changed my payments from approx £250/80 a month to a few pounds due to change in circumstances.

 

Intrum have offered me 5% discount and I have not heard from westcot/link.

I feel like this may be a long process for me to be successful in any decent deals.

 

These two accounts I made offers on defaulted early 2018.

I am in the process of sending CCAs but I am a little worried they may find them and put me in a worse haggling situation when it comes to a deal.

They are relatively newish debts and I think they will find the agreements.

 

whats everyone’s thoughts on my situation ?

Any advise would really be appreciated,

 

many many thanks 💜

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There is no downside to requesting a CCA.  You should do this for the loan asap.  My site team colleague @dx100uk will be along with more detailed advice

your virgin card is with mbna too. hence why they say lloyds as lloyds recently purchased mbna.   send MBNA an SAR send Tesco an SAR. send tesco an SAR. send HBOS (H

send MBNA an SAR send tesco an SAR. send HBOS (Halifax) an sar   unless on the above you already have every statement for every month for every card.(5 cards 3 with MBNA as Oc)

There is no downside to requesting a CCA.  You should do this for the loan asap.  My site team colleague @dx100uk will be along with more detailed advice

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god just stop paying everything.

 

£1k PCM since 2007!! you do realise how much money that is!

 

mugged blind cash cow...

 

paying a debt off does not remove it from your file..

 

 

 

 

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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I don’t understand why I would stop paying it now.

If I stop paying my other 4 creditors that are not defaulting I will get defaults from now which will be 6 years on my file.

 

i know it won’t remove my credit cards from my file but will get rid of them.

 

i am hoping to get a mortgage when these defaults drop off and save for a deposit.

If I’d have known more when I started the journey I would have made sure they all defaulted but now I’m stuck with AP markers.

 

yes it’s lots and lots of money but I did spend it to start with haha 

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throw the morality card out the window......

 

the AP markers don't go away for 12yrs and kill credit just as bad as a default

but atleast being defaulted makes the A/C vanish from your file in it's 6th Birthday.

paid or not, paying or not.

 

so even if you default on new stuff now, it can't harm you much more than the dreaded AP markers.

 

now 

please list all the debts you are blindly paying and running the SB date to infinity..

 

original Creditor

credit type

when taken out

how much taken out

outstanding balance

who owns the debt now

who you pay now

how much you pay.

defaulted date from credit file summary.

 

 

you do realise a DCA is NOT A BAILIFF

and have 

ZERO legal powers on ANY DEBT.

 

why do you think the original creditors sold the debt for 10p=£1??

and not crush you themselves in court?

 

are PP ware of your current correct address so thus all that got paid through were also aware?

 

 

 

 

 

 

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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arrrrrgh 12 years!!!!! Why I thought it was 6! ?
 

I don’t have exact start dates as yet but all debt acquired approximately from 2008 to 2012 when I got pregnant with my son had to move out of parents etc etc all adds up and got myself into a mess.

 

All credit cards AP marked

sainsburys £2800 AP

virgin £900 AP

PRA group (MBNA) £1500 AP

PRA group (MBNA) £1600 AP

Currently paying £950 a month between them

 

plan was to pay them all off now and just drip pay the big two that are defaulted untiI I get a good deal.

Then save up to get a deposit and a mortgage 2024

 

Link managed by Wescot (Halifax loan) 8k paying £4.19 a month 

 

Intrum (Tesco) 4.5k paying £2.54 a month 

 

I have agreement they only contact me in writing due to anxiety 

 

Have I included everything there ? 

 

Yes all have current address

 

what is PP and SB? Thanks 

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PP - payplan

SB - statute barred.

 

you said you started with PP in 2007 with £48k debt

was that a typo

and should be 2017??

 

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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ok that makes all the difference then...

 

can we resit things then please:

 

for each debt:

all the below please

 

original Creditor

credit type

when taken out

how much taken out

outstanding balance

who owns the debt now

who you pay now

how much you pay.

defaulted date from credit file summary.

 

 

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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Really sorry 

 

I don’t have exact start dates as yet but all debt acquired approximately from 2008 to 2012 when I got pregnant with my son had to move out of parents etc etc all adds up and got myself into a mess.

 

All credit cards AP marked

sainsburys £2800 AP

virgin £900 AP

PRA group (MBNA) £1500 AP

PRA group (MBNA) £1600 AP

Currently paying £950 a month between them

 

plan was to pay them all off now and just drip pay the big two that are defaulted untiI I get a good deal.

Then save up to get a deposit and a mortgage 2024

 

Link managed by Wescot (Halifax loan) 8k paying £4.19 a month defaulted early 2018

 

Intrum (Tesco) 4.5k paying £2.54 a month defaulted early 2018

 

i used to pay all creditors equally by amount owed through step change so I was paying those 2 large accounts £250 and £280 a month but I have stopped that now I have gone self managed this month 

 

I have agreement they only contact me in writing due to anxiety

 

I have been lucky in a way that they all froze me interest from the start of the DMP and I’ve not paid any since 

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All credit cards

AP marked

sainsburys £2800 AP

virgin £900 AP

PRA group (MBNA) £1500 AP

PRA group (MBNA) £1600 AP

 

Link managed by Wescot (Halifax loan) 8k paying £4.19 a month defaulted early 2018

Intrum (Tesco) 4.5k paying £2.54 a month defaulted early 2018

 

..

so sainsbury card and virgin (mbna?) card are still owned by the original creditors and you are paying the OC?

 

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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Yes Sainsbury’s and virgin are original creditors.

MBNA sold to pra group two of my credit cards accounts,

I argued with them I should have been defaulted but they had none of it 

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read my questions properly please answer what i am asking not what you think it means..

 

so you have a third MBNA card that you still pay virgin directly

and the same goes for the sainsbury card..you pay them directly still?

 

in otherwords, these 2 cards have not been sold to a debt buyer like link or PRA?

 

 

 

 

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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I have a credit card with Sainsbury’s I pay directly 

 

I have a Virgin credit card I pay virgin directly 

 

I have two MBNA cards that were sold to PRA group.

I complained they should have been defaulted they would not uphold my complaint

 

they said ....‘we spoke to you in dec 2017

we completed an income and expenditure form and placed you on an arrangement to pay on both of your accounts.

This means we froze all interest and fees on both accounts.

 

At that time, the arrangement to pay will have been for a maximum of 5 years and when the balanced was settled in full, this will have been reported on your credit file as a satisfied arrangement.

 

This information will stay on your credit file for 6 years after the balance has been settled, however it will all show as a £0 balance.

 

Recently however, there have been many changes to our business in order to align with Lloyd’s banking group, and the way we administer these arrangements.

 

As Lloyd’s do not have a process for keeping accounts on long term arrangements, this is the reason the debts were outsourced’

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your virgin card is with mbna too.

hence why they say lloyds

as lloyds recently purchased mbna.

 

send MBNA an SAR

send Tesco an SAR.

send tesco an SAR.

send HBOS (Halifax) an sar

 

unless on the above you already have every statement for every month for every card.(5 cards 3 with MBNA as Oc)

 

send PRA 2 CCA requests one for each MBNA card debt they bought

send Link a CCA request for the Halifax loan they bought

send Intrum a CCA request for the tesco card debt they bought.

 

should any fail the 12+2 working days time limit ...you stop paying the DCA

 

sadly these AP markers and MBNA are a devil to resolve (many threads here on MBNA AP markers use our search

 

you 1st port of call is the SAR's and the CCA requests.  get those off monday.

 

pers i'd be using our prorata letters to virgin+sainsbury as these have not been sold on, offering <£10PCM

 

 

 

 

 

 

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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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Thank you.

 

what is a SAR,

also why should I reduce my payments to my original creditors when I can pay them off by end of the year?

 

Thanks again

 

how come virgin could have my account as a payment plan for 5 years (part of MBNA or Lloyd’s) but MBNA PRA group can’t ? 

 

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1 minute ago, Halfwaythere said:

what is a SAR, <<click SAR.

 

also why should I reduce my payments to my original creditors when I can pay them off by end of the year? - debt already defaulted, can't hurt your rating anymore...paying it off quicker does NOT remove the default nor reduce your score)

 

how come virgin could have my account as a payment plan for 5 years (part of MBNA or Lloyd’s) but MBNA PRA group can’t ? 

 

 

because the old MBNA cards are under diff T&C's and dodgy agreements that can't be enforced (hence the 2 CCA requests to PRA), and probably artificially inflated by heeps of reclaimable £12 penalty charges ....

 

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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Right this is really helpful but my lack of knowledge is hindering this process but I am trying to learn from your help (which is much appreciated)

 

please can you tell me the reasoning behind this process, how it will improve my situation ?

 

also Sainsbury’s and virgin I have monthly statements from.

 

why am I reducing the amount for Sainsbury’s ?

 

Many thanks 

 

Also none of these credit card accounts are defaulted other than my two largest link/westcot (Halifax loan) and Intrum (Tesco)

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1 hour ago, Halfwaythere said:

Right this is really helpful but my lack of knowledge is hindering this process but I am trying to learn from your help (which is much appreciated)

 

please can you tell me the reasoning behind this process, how it will improve my situation ?...

i suggest you start reading a few threads here:

https://www.consumeractiongroup.co.uk/forum/124-debt-management-and-debt-self-help/

 

also Sainsbury’s and virgin I have monthly statements from.....good. no need for SAR then yet.

 

why am I reducing the amount for Sainsbury’s ? - because it makes no odds how much your pay them

it's defaulted, they can't harm your file/score further..

 

Many thanks 

 

Also none of these credit card accounts are defaulted other than my two largest link/westcot (Halifax loan) and Intrum (Tesco)

 

ignore wetcloths deal with link.

 

well it would be nice if they were defaulted

a serious complaint to each original creditor might sort that

but you need the SAR details (comms log of each )

 

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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Thanks. My only defaulted accounts are Wescot and link so I wanted to try offer settlement offers but they don’t seem to be interested yet. Sainsbury’s aren’t defaulted.

 

None of my credit cards are defaulted so wanted to just get them paid off ASAP as they refuse to budge when trying to get them defaulted (went through this in 2019).

 

I will do the SARS and CCAs ASAP. 
 

I will pay the credit cards 6k off by the end of the end of the year this leaves me with the two largest ones of around 13k I want to get this down as much as poss but link seem difficult to get a decent settlement offer out of from what I have read up. Link are refusing to deal with me I have to go through Wescot they said. And Intrum only offering me 5% discount.

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you wont be paying anything off to anyone if they don't hold enforceable agreements.

 

you say the only defaults accounts are wetcloths and links...is this not the same debt..wetcloths clients are link, and link shows as the owner on your crecit file?

 

 

 

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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I’ve sent SARS to the ones you have said

I will do the CCAs to the defaulted accounts

 

I really don’t hold much hope

one was a Halifax In secured loan post 2010  

one is a Tesco Credit card same.

 

the only defaulted ones I have are

Link managed by Wescot (Halifax loan) defaulted 2018 8k

Intrum (Tesco credit card) defaulted 2018 4.5k

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send MBNA an SAR

send tesco an SAR.

send HBOS (Halifax) an sar

 

unless on the above you already have every statement for every month for every card.(5 cards 3 with MBNA as Oc)

 

send PRA 2 CCA requests one for each MBNA card debt they bought

send Link a CCA request for the Halifax loan they bought

send Intrum a CCA request for the tesco card debt they bought.

 

as for sainsbury and virgin - continue your payments for now - we'll deal with them later.

 

you say the halifax loan is secured? is it now showing on your deeds as secured in LInk's name not still halifax?

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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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Brill thanks will do.

 

Halifax is now showing on my file as Link opened 2016 and defaulted 2018. Says type Bank.

 

Tesco is showing as Intrum opened 2013 defaulted 2018.

 

My PRA groups show as one opening 2013 one 2015.

Strangely though they both show as being open and in a debt management plan but have an end date listed as dec 18,

what does this mean? 
 

thanks 

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check your DEEDS regarding the secured loan.

 

when an OC sells a debt on, the debt buyers name replaces that of the OC on your credit file.

 

 

 

 

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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