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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)

you don't need the original agreement

you stated this was a secured halifax loan?

so there was a charge made on your property?

and do you still live in the same proprty?

 

dx

 

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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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Sorry typo again 🙈 it put insecured, it’s an unsecured loan I have no mortgage/home or assets which I have stated to my defaulted accounts holder when submitting my settlement offers 

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good makes things clearer

 

if you have no assets then you could do a DRO and all debts would be wiped in 12mts.

costs £90 i think

 

 

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 dro wipes the debts

the defaults you have registered will show for 6yrs BUT the balance will be £0.

even prime lenders shouldn't be bothered about that.

 

https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders

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 think it’s the best option for me and don’t think I would qualify with earnings. I also need to move house to another rented property in feb and could affect that, it also adds another 6 years onto me not being able to get on the property ladder and it’s only 3 years until I’m 40

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ok stick with my last advice then.

lets get these debt gone for you

you've been blindly paying far too long on some of them.

 

dx

 

  • Thanks 1

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 know I have, these companies have had an unreal amount of money from me in interest. Thank you you have helped me so much, I really appreciate it 👏🏻
 

The SARS have gone this morning. I have printed out my CCAS and will post them with postal order at the post office tomorrow.
 

could I mither you a little more? 
 

Intrum defaulted 4.5k I offered a settlement offer of 25% and at the same time changed my payments from £250 a month to £2.54 a month. They said they could only offer me 5% but to see in time.

 

Link/Westcot defaulted 8k I offered a settlement offer of 25% and at the same time changed my payments from £282 a month to £4.19, I have yet to hear from them.

 

I have now informed them both I will only deal with them in writing because of anxiety which I have been medicated for this since 2009, this and money issues don’t mix and are I believe a cause of each other !

 

What time frame do you reckon I’ll be looking at to get a decent settlement offer if the debts are enforceable ? 
 

Many thanks again 

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link+PRA...

you wont have to pay a penny more if the CCA requests are unenforceable.

they cant hurt your file anymore if they are both shown as defaulted...or are you again using the wrong word....you mean defaulted on payments to the OC so the debts got sold on to Link + 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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The PRA ones aren’t defaulted to my annoyance 

the Link and Intrum are but I’m requesting CCAs on all and have my fingers crossed!

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so the 2 PRA MBNA card debts have the dreaded AP markers on each.....

 

what is the defaulted dates on the Link old Halifax Loan debt ?

what is the defaulted date on the Intrum old tesco credit card debt

 

please

 

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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AP markers! I so wish I would have let them all default at the beginning it makes me seeth but hind sight is a wonderful thing.

 

link defaulted jan 2018

Intrum defaulted March 2018

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just to be clear

only the Original Creditors can default the debts.... on or before sale

not the debt buyer...they have zero authority to register anything!!

 

why are these only 2018 defaults?
when did you start your reduced payment scheme whereby Halifax and tescos only got reduced amounts?
 

 

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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this month what?
read my Q's carefully.....

 

you said in post 1 you started reduced payment through stepchange? when?

 

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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No,

I paid my DMP through StepChange where they split £950,

my two biggest creditors were my two default accounts

they were receiving £280 and £250 of the amount the month.

 

They are only 2018 defaults as I started my DMP late 2017.

 

I have gone self managed this month for control and I am really trying to research the best path.

I have split the £950 between my 4 credit card accounts that I am getting AP markers for.

So their payments per month are increased to get them paid off ASAP (6/7months)

 

I then at the same time cut the Intrum and link amounts to £2.54 and £4.19 and made settlement offers to them and explained my situation had changed...

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Sent my 4 CCAs off today recorded delivery fingers crossed!

 

still confused as to why PRA group have put an end date on my credit file when it hasn’t ended, kind of hoping it acts like a default and means it drops off.

 

I want to learn more about credit files and mortgages for in the future in my position. 

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you didn't need to waste money on recorded if you read all the posts in the CCA request link....

 

as for the end date...

i suspect arrows didn't put that, it would have been the original creditor before sale, noting the reduced payment schedule end date from when you agreed to the scheme wit them in the 1st place.

 

but ofcourse if 12+2 working days expires without reply to any of your CCA requests, you won't be paying that DCA anything anyway till they  responds with whatever toilet paper they reply with and it's checked by us first as to enforceability.

 

as for mortgages, it is rare now that prime lenders refuse for one or two defaults esp if they are historic debts sold to DCA's.

just remember, they only see the summary line of any debt, not the calendar section and if that does show anything bad, it can't hurt your application.

 

lots of like threads to your here to read...

 

 

 

 

 

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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Share on other sites

Very informative thank you. I am currently reading through lots of threads on here. I have been on the money saving expert forums for debt since 2018 and they have been really good too but slow. 
 

i am not sure what I am looking for when the CCAs are SARS come back 

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you cant as such but they cant see the calendar section which shows the monthly bits. etc

just a the basic 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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Share on other sites

Thanks. I’ve been reading up a lot about defaults and AP markers and think I don’t have much chance of getting a mortgage until 2027 if I pay them off the end of the year. What a nightmare 

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Link those threads here so i can read them please

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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