Halifax and lots of PDL loans - Irresponsible Lending? and stepchange DMP help please

[i1023]

Hello,

I have just joined, my main reason for joining is in 2017 I took out a £5000 loan with Halifax, and I believe it was loaned to me irresponsibly,

I was on a zero hour contract job at the time, and then around a month later I split up with my partner, to my knowledge, I have paid back over £5000 but I still owe around £4500, and I had a Halifax credit card with them which I owed over £5000 on

they are now on a stepchange debt management plan, but I now want to start making a complaint to them, my account was sold to PRA group, so I am wondering to I DSAR Halifax and PRA group?

Thank you

[dx100uk]

firstly, why are you blindly using a DMP company that just makes you pay your debts to a no powers DCA?

a dca is NOT A BAILIFF - and have zero legal powers on ANY debt - no matter what it's type.

if they dont hold a signed copy of your agreement..... you are being cash cowed. and they get free drinks on you every month down the pub.

stepchange etc etc cant be bothered with enforceability as the banks and DCA's fund them.

pers id dump stepchange now and do the DMP yourself, after you've sent a few CCA request 's off mind!

 

as for halifax and an IRL complaint....

if you cant prove your credit file was shot with defaults at the time and lots of other debt, then it will be a hard job.

 

[i1023]

I am not sure regarding my credit file, at the time I know I had quite a lot of credit and it get a lot worse when I moved into a private rented house on my own,

I had taken out payday loans with lending stream and other providers and Halifax gave me money transfers off my credit card,

with regards to the DMP, I thought it would be better for my credit file in case I wanted to get a mortgage in the future, but I do not believe that to be the case anymore.

[dx100uk]

well looks like you've a long route of IRL complaints to make to each and every PDL Co too then?

i think its better we deal with these in the debt self help forum and as a whole thing....

so ive moved you there.

Debt management and Debt self-help - Consumer Action Group

 

can you list your debts with SC please

read a few thread in that forum and you'll get the idea

 

 

[i1023]

PRA Group-Halifax 

Moorcroft-Very

Link Financial-Halifax Loans

PRA Group Barclaycard

Wescot RBS Overdraft

Moorcroft 02

Link Financial Lending Stream

PRA Group Halifax Overdrafts

Lantern-Lending Stream

Total debt is £16,000

Edited August 7, 2023 by dx100uk
unnecessary previous post quote removed

[dx100uk]

just type no need to keep hitting quote.

who are westcots stated client?

who are moorcrofts stated clients.?

look like you are being cash cowed by dca's on most of your debts esp LINK!! the worst lot of all.

pers id cancel your DMP.

how long have you been blindly paying these scammers?

and when were these debts 1st taken out?

dx

 

 

[i1023]

Moorcrofts clients are Very and 02

Wescots client is RBS 

 

I said before about I thought it would improve my credit, but obviously that is not the case, and when I want to get a private rented property (I am currently living with parents) but I believe this is not the case and there chance of taking me to court is slim to none it seems? 

[i1023]

sorry the credit card was taken out in 2013 the loan in 2017, the RBS overdraft, lending stream one of the barclaycards were taken out in 2018, I also had quickquid and safetynet credit but they have gone into administration so have not bothered with them.

[i1023]

and another point all my credit was applied for online I have never signed for anything in branch.