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I started on DMP with stepchange. Can i complain about drafty and 118118 loans for irresponsible lending


Koyem
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Hello

 

Can i ask some advice

 

I started on DMP with stepchange for all my current loans and credit cards.

 

I was behind with my loans to Natwest who suggested that I can only offer repayment plan if I speak to stepchange or payplan and they will go with their assessment.

 

I was upto date with other loans and credit card except with my bamboo loan and 118118 loan and drafty.

 

Can i file a complain of irresponsible lending to drafty and 118118?

 

Also do I have to request for CCA and all this loans are current.

 

Thanks in advance

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yes you can 

 

 

what are the dates of take out for all the other debt please?

and are all your debts still with the original creditors?

 

 

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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if you had outstanding credit, lots of defaults , missed payments on other credit on your credit file, then you are almost guaranteed to succeed with most PDL companies on an IRL complaint, but only if they still exist...many have already have gone bust due to mass of complaints...:pound:

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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Can I make a complaint now that I have still balance with them and it is part of my DMP? I just don't want them to cause more problem by taking me to court to pay my balance.

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ofcourse.

original creditors dont do court anyway!

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

nope moorgate don't buy debts, who are their stated client?

 

 

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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dont buy debts either.

 

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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Share on other sites

Irl still goes to the oc regardless to sale or not.

 

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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