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been on a DMP for 8 years with Pay Plan - Partially Settling triggering a default?!

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Please help! I have been searching for advice for weeks but am going round in circles and am at wits end! 


I have been on a DMP for 8 years with Pay Plan. I have 4 years to go with around £15k of debt left to pay off.

A majority of the accounts were registered as defaulted 8 years ago so have now dropped off my credit reference file (CRF).


3 accounts (Lowells, PRA and Idem) never registered a default with either the original creditor or the current DCAs so remain on my CRF showing either DM or 6. In total these 3 accounts total no more than £2,500 collectively.


A relative has kindly offered some money to partially settle the debt due to the impact its having on my health but I've been warned that these 3 accounts may register defaults now which will obviously remain on my CRF for the next 6 years. I really don't want this to happen as at the moment my credit score is fair. 


Are they really likely to issue defaults if I try to partially settle?

And if they do what is the process?


Are they required to provide me with a default notice giving me 14 days to pay in full to avoid a default?

(Due to the small value of these 3 accounts I could probably scrape enough together to avoid getting a default if they are required to issue a DN).


 I've been told on another site that since the accounts are old and have been sold on they are not required to issue a DN before registering a default on my file?!


Any advice greatly appreciated on this! Very confused and tearing my hair out.

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Normally id chime in but on this one ill hold off. I think you need to chat to @dx100uk 

They will advise you accordingly on doing F+F


We could do with some help from you.


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Receptaculum Ignis


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  • dx100uk changed the title to been on a DMP for 8 years with Pay Plan - Partially Settling triggering a default?!

eh? not sure upon 'that other site', but no that's totally wrong.


a debt buyer cannot register a default, only the original creditor can.


have you ever sent these fleecing DCA's you have been blindly paying all these years a CCA request?


the debts are most probably not legally enforceable anyway, which is why the original creditors sold the debts on in the 1st place.


stop being a DCA cash cow and giving them free money when you most probably paid the debt off years ago, or it was mainly unlawful penalty charges or PPI etc. and/or you didn't really owe anything as the sum they purchased the debt for is typically <10p=£1 anyway, and they make you pay the whole figure..


send off a CCA request for each one, and once they've failed the 12+2 working days ...you ignore them till they comply .that includes ceasing any payments.


Go use the money to have a holiday.

after 8yrs of being in the clutches of PP you deserve it.










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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Oh god, 8 years!! Chances are you shouldn’t be paying them another penny.


Do as above re CCA requests.


There should be a government health warning on the likes of pay plan!

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group


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