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Cabot and old Aqua card debt - keep wanting me to increase payments


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If this is the only negative point on your CRA file it may not have a dramatic impact on the credit ''score''.

 

 

All else will depend on the status of the remaining accounts..

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  • 2 years later...

Hello,

 

Id like some advice please.

Ive just sent back the paperwork to stepchange which they have received and are processing.

I have the 4 following debts...... but 3 are mine and the last one is in my nme but was opened fraudulently ( thats another story )

 

AquaCredit card : £4400

Hitachi Capital Finance: £5070

Vodafone: £214

FashionWorld: £170

 

 

Stepchange tell me my payment amount will be £114 each month.

 

 

MY question is :

 

Is it possible i can get some of this debt written off....and which company do i use to help me with this.....and do they charge for this?

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Did you run through information on these debts with Stepchange ?

 

If yes, then Stepchange should have thought about any debt relief solution that might have helped and decided none was available to you, because of income, assets etc.

 

But tell us more about these debts and your current circumstances.

 

There is no magic debt write off solution out there, which does not have an element of pain. E.g DRO, Bankruptcy.

We could do with some help from you.

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YES ... stepchange are aware. £114 a month is do-able for all 3 debts..

 

I only live in rented accommodation...council... I ran up my credit card then took the loan out from Hitachi to clear it....then I got divorced and moved into new avcomifation that needed decorating so I ended up spending again.

 

My own stupid fault admittedly.im over my aquacard by 350 quid but that is purely interest and OL fees

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three of those need a CCA request

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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A CCA request forces them to provide the signed agreement etc

Without it bugger off you fleecers!!

Do dca's own your debts now?

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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when did you take the account out 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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Aqua credit card was September 2013 but never had trouble paying until 4 months ago...

 

Hitachi was Jan 2016.

Vodafone March 2016

 

Fashion world....wasnt done by me but was done in my name by which I exchanged property with.... July 2016

 

Step change website tonight showed us be better off going for bankruptcy but i do t have nearly 700 quid to do it else I would ....

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ok little point in cca requests then

an sar to each lender might throw up penalty charges or PPI to reclaim.

but for pity sake dont use a reclaims company

they have no more clout than you or me

and take 50% of your reclaims

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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  • 4 years later...

Hello all,

 

I was on a repayment plan with Cabot , initially £30 a month then I raised it to £50. 

Today I received a letter saying they have reviewed my account would like to increase it to £64.

They go on to say they make routine reviews and also when they do this, they make additional checks which includes credit bureau information.

 

I am not happy to increase the payment but there is no option to decline.

I am afraid that if I don’t accept, they will stop the current plan and begin to pile interest.

Current balance is £3052.52.

 

Anyone know what I can do in this situation?

 

Thanks 

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why are you blindly paying a dca anything and being a DCA cash cow?

 

whats the debt all about?

 

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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They have frozen all interest and this is why I agreed to make payments. I literally just want it gone and out the way. My account was defaulted in the end.

It was Aqua card but I couldn’t find my previous posts ,as they’re quite old,  to add this to.

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so still doesn't mean you blindly pay a powerless dca...

 

they are NOT BAILIFFS.

 

how old was it...when did you take the card out?

 

it will never be gone whilst you blindly pay a DCA and run the statute barred date to infinity..

 

ever sent these fleecers a CCA request?

even thought...why did aqua sell my debt on for 10p=£1 toa DCA and not take me to court and crush me.??? urm..i wonder why....

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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  • dx100uk changed the title to Cabot and old Aqua card debt - keep wanting me to increase payments

How are you making payment...Direct Debit ?   Switch it to a standing order of £50.00 ...and inform them same and that you are not in agreement with their review or increase.....particularly during the current climate...leave as is.

 

Andy

We could do with some help from you.

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

 

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25 minutes ago, Andyorch said:

How are you making payment...Direct Debit ?   Switch it to a standing order of £50.00 ...and inform them same and that you are not in agreement with their review or increase.....particularly during the current climate...leave as is.

 

Andy

I pay by Standing Order

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Aqua closed the account and it opened with Cabot.

So how else am I supposed to pay it back?

 

Been on a repayment plan for 3 years and few months and they never reviewed it until now.

 

so what’s your advice from now then dx?

 

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24 minutes ago, yesilgozlerim said:

I pay by Standing Order

 

Then they cant alter it anyway......only you can change the amount...ignore them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your Topic please PM me a link to your thread

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20 minutes ago, yesilgozlerim said:

Aqua closed the account and it opened with Cabot.

So how else am I supposed to pay it back?

 

Been on a repayment plan for 3 years and few months and they never reviewed it until now.

 

so what’s your advice from now then dx?

 

 

no newday? sold the debt to cabot for 10p=£1, but ofcourse cabot are after the full amount forgetting the discount sum they bought it for.

 

send cabot a CCA request and stop being a DCA cash cow..

 

 

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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you are learning ..paying for nothing,,well not true..

you are paying for their drinks down the pub every night with your free money..

send a CCA request.

 

stop being scared of people with no more legal powers than you or i.

 

 

 

 

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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