Been paying Stepchange +10yrs on my various debts

[firstship]

dx....10+ years with Stepchange I wanted to clear my debts but over the last few years I have only paid them £5  for each creditor ,they are unhappy that I can no longer pay anything and are taking for ever to approach creditors so I will do it myself.Will raise a new CCA request, so if I do not pay them what action can they take

FS

[dx100uk]

god who told you to go with step change and blindly pay them on debts you most probably never owed in the 1st place>>>??

 

all you done is run the SB date to infinity i though you'd know better..

 

stop pay SC and get those CCA's running.

 

dx

[firstship]

OK thanks for your help will start the CCAs running

Regards

[firstship]

sent CCA request to those debts on my Stepchange List as you suggested DX, the first to reply is Cabot, state they have been unable to obtain the information, but will contact me if it becomes available,

until then it is unenforceable, the balance remains outstanding and you pay through payment plan, continue to pay

I think the answer is NO stop paying

is this correct??

Regards. FS

[dx100uk]

 

stop being a dca cash cow.

[firstship]

posted in wrong title..........sent CCAs as suggested DX first reply is from CABOT who clearly state they cannot at present produce  the signed contract hence in their words "Unenforceable" but they suggest I continue to pay, the answer is surely NO. is this correct

 

FS

[dx100uk]

20 hours ago, dx100uk said:

 

stop being a dca cash cow.

 

[firstship]

So sent out 5 CCA requests,

Cabot have already stated unenforceable.

 

 

PRA have also stated unenforceable even though they managed to come up with signed application form

 

Link not bothered to reply

 

Moorcroft 2 CCAs replied have sent a request to the OC,I am sure Moorcroft own the debts.

 

So I am not paying any of these well exceeded 12 working days

 

Only problem is Natwest Bank Account obviously no CCA, should I just stop paying them and see the reaction, can always use current cost of living increases 

 

FS

[dx100uk]

How many more times..moorcroft don't buy debts, CCA goes to their stated client on their letters .

 

For any other debts not covered by the CCA, simply stop paying, see who willy waves.

 

So all in all 99% are probably cash cow accounts that should have never have been paid ...

 

Dx

[firstship]

Sorry Moorcroft not debt buyers

thanks

FS

[dx100uk]

Eh?

 

Dx

[dx100uk]

create this new thread for your old SC debts other than link/BC card. (that has its own thread

 

dx

 

 

dx