Afternoon... Has it really been 3 months? Dear lord. Well, I finally got my SAR back from Money Village. I received it a couple of weeks ago. There's very little there to be honest and they say they never received complete records when the company changed hands back in 2018. As for the rest... I currently have 2 accounts with Cabot. They keep calling but I don't answer. I've received a few letters regarding CCJ's but nothing major. I still have 2 accounts with LINK who I have received a couple of letters from enquiring about payment. Finally...my debt with Barclays has been passed to MOORCROFT who repeatedly call and send letters. What now?

Okay. Thanks for all your assistance. I'll have a read through those posts, send the SAR and keep you posted.

Okay. Will do. Do you mean when I initially took the credit? If I remember correctly it would go to either my mothers address or a house I shared with the ex. I was living with the ex when I took out the initial DMP with Spectrum. I haven't had letters off any creditors for years. Actually...Link used to send me a balance every now and then to my mothers address. If you mean would my mother forward the mail in a reasonable time this can be arranged so I don't miss anything.

I've just checked in my portal online and my adress has been changed to my new address. All correspondance usually goes to old address (mothers)...only changed address a couple of days ago. Do I make this months payment or not? So sent a SAR to MoneyPlus? My DMP? Excuse my ignorance but what would that achieve?

My next payment is due in a few days...I've already put it on hold until I figure out what to do. SAR to all it is... The accounts were with MBNA credit card, EGG (loan and card) and Barclays (think this was current account...overdraft possibly?).

Yeah. I changed it the other day actually. Didn't have much choice really. The old address they had was my mothers.

Yeah. I know mate. But like I said. Did'nt want to leave family with nuisance calls and all that. Not with Spectrum. It's changed to MoneyPlus now. Reading back over those threads brings it home really. I could have saved myself a fortune but it is what it is. If I remember correctly I did SAR everyone. I vaguely remember receiving a huge amount of documents from Barclays I think and maybe that put me off?

Long story short DX. ..I have worked offshore for years and when I get home my son lives 200 miles away so I've never really had a place of my own. I didnt want to be sending DCA to family addresses (C/O addresses). I have paid the debts through various DMP and never missed a payment but now my personal circumstances have changed I'm going to handle it myself as I am now in the UK permanently.

Evening all, Just a quick one... I'm about to send out CCA requests to a few creditors on debts which are well over 10 years old. Could anyone please point me to the correct address to post to regarding Cabot Financial, Link Financial Ltd and Barclays Collections & Recoveries? I've tried searching and Googling but there are so many different branches to these firms it's hard to know what's what. Any help will be much appreciated! :)

October 2014......

Hey Andy, thanks for the advice. Thing is, there is not actually a "Default" as such. They just keep marking my credit file every month with a missed payment and have done for many years. Is this correct? Should they now start putting on my credit file as a "completed payment" every time I pay them? I wnat to start repairing my credit file but if they keep marking it every month with "missed payments" I'll never clear it?

Afternoon All! I was hoping someone would be kind enough to advise on how I should proceed with the following problem with British Gas. I'll try and keep it brief as, with everything concerning BG this has been anything but! A few years back a bill was ran up at one of my previous address' and not paid. I admit the debt is mine so no problem there. I have nothing from BG or any DCA in over 2 years. Recently, have come into better times I have decided to try and get my credit score back. I checked my credit file and basically BG has marked my file, every month for the last couple of years with a "missed payment". I called BG regarding the account and was passed to their "offshore" debt team who didn't have a clue. It took 45 mins for them to find any info. I made a payment of £100 and asked if I could set up a monthly DD for the remainder but was told I can't as the debt was so old and must call each time to make a payment. I explained this is impossible as I am out of the country 10 months a year and will not spend 45 mins each time on the phone from abroad to give them money. I was advised by another adviser the following day that I could actually set up a DD so tried again. Again, no body could find any record of the account. Just an address and the balance. The guy who took the £100 payment had not even put that in the file. Luckily this was rectified. Long story short it turns out that the debt has been passed to a DCA. BG said as this was the case they couldn't do anything. When asked how come they took a payment then they had no answer? I told them that I will deal direct with the DCA but was informed they don't know who that is?? No record. I told them, if the DCA has bought the account then they should refund my £100 but was informed this would come off the DCA bill which I think is BS. They are supposed to be calling me back today with the DCA details (I won't hold my breath!). What would you advise on this one? I'm guessing BG don't even own the debt now so I shouldn't really be dealing with them. I was thinking just offer the DCA a full and final and claim back the £100 off BG. They can't take payment on an account they don't own right? The other thing is, should they still be marking my credit file every month? If they don't own the debt I'm not missing any payments? Any help will be greatly appreciated

Hey Tingy, they must send a copy of my agreement if I just send the SAR then?! Okay, sound's like a plan. With respect to Link financial, would they also have access or be able to send me a complete rundown of any charge's etc on the card or would I still have to contact MBNA directly!? Also, in response to my previous post, do I send these SAR's to the original branch where I got the loan from or to the head office of the bank? Thank's for your assistance!! =D

Thank's for the fast reply! =D I was under the impression you could still claim unfair bank charges if you were in a DMP?! Or is this incorrect?! Cheer's! =D

Hey Guy's! I am looking into a few thing's regarding my debt's and was hoping somebody could point me in the right direction. I am currently in a DMP with "Spectrum" who are crap but to be honest there is only so much fighting I can do due to me travelling so much with my job. I have only recently decided to really give it a big push towards clearing my debt, should have done it sooner but life kinda got in the way. I have recently upped my monthly payments from around £30/Month to £550/Month but am now looking into claiming back charges, PPI and whatever else I can so that I can clear my debt's a lot quicker. My creditors are as follows : Egg Loans Barclaycard Central Debt Collection Services (Barclays) Link Financial (MBNA) Egg (Cards) Total = £35,000 I am going to send off the CCA letter first and foremost to see exactly where I stand with each credit agreement. Where do I send these letter's? To the branch I originally took out the loan with or to the bank's head office? I'm correct in thinking I should send all my creditors CCA's? Once I receive (or don't!) receive the credit agreement's I would like to reclaim against missold PPI, bank and credit card charges. I understand I need to get a statement of all charges from the bank or credit card company, can I send the SAR letter's the same time I send off my CCA's? I know some have advised against this but I currently have 2 months off work then I'll be in out of the country for 4 months so can't be waiting too long for replies/paperwork coming through. Would I send these (SAR) to all the above? Looking over certain paperwork I think I could (hopefully) knock off a tidy sum from these debt's if my claims are successful (I believe PPI on my Egg loan was around £7,000!). Sorry for the long post ladies and gent's but I'm finally on a mission to get out of debt, it's been a long time coming so I'm all gun's blazing!! Any help will be gratefully received!!

Thanks for the advice! I hope I didn't take up too much of your time! =) Lula, it's all good and well saying, morally, I should report her but then what? What happens when I have to go away to work? If there's friction between the parents it's not good for my son. At the minute, when I'm on leave I live with her (also against benefit claim??) but what would happen then when I get back?? It's very easy to throw around advice like that ' off the cuff' so to speak but if it was you and your child in the same situation what would you do?? So, in summary, what we are saying is that she could put a claim in if she wanted to but it would be very difficult for the CSA to pin me down and hold me to anything. Her actions would be frowned upon due to the fact I've been paying her more than £20 per week and I've been living with her and contributing to the house hold bills. What about the savings issue? She claims it doesn't matter how much you have in savings you can still make a full claim?? Is this true?? I'm sure for some benefits there's a limit on the ammount you can have in savings?? Once again thanks!!

Hey thanks! Much appreciated! =)

Thanks, I do work abroad but not for a british company. How does that affect things? I'm not out the country constantly but am out long enough to qualify not to pay tax. I'm not trying to get out of paying I just want to be sure of my rights the next time she starts throwing this rubbish at me. It's wrong how she can still claim so much off me when I've always supported her and my son, I'm still trying to and she's living the life of bloody Reilly on benefits!!

Yeah I've got proof. I knew she was on benefits, I can't tell her what to do. My son's my priority. I've never took a penny off the social. Thing is we still have a fairly amicable relationship so I don't want any money back but the point is where do I stand legally? Taking everything into account surely she still wouldn't be entitled to a percentage of my salary? As for an official agreement thats one thing I need clarifying. I'm not prepared to give her a weekly/monthly payment so that it just top's up her holiday fund or gives her a few extra quid for a night out. Any money I give her I want to know that it's going towards my son. Just to clarify I also said when I'm on leave I'll pay any expenses and he can stay with me. If she wants to make an issue of it and get the CSA or whoever involved where do I stand? I've said there's no problem getting money she just has to let me know how much she spent on him and we'll split it. She say's that's too complicated?!? I'm sticking to my gun's anyhow. The little guys in fulltime education now so she can get off her spoilt backside and get back to work fulltime like everybody else. Then we don't have this trouble. Just want to know where we both stand in the eyes of the law.

Hi guy's, This is a bit of a long one so please bear with me! Myself and my ex girlfriend have a 4 year old son. We split up a couple of years ago but things are still pretty amicable. I work abroad a lot as there is no work available down where the ex lives. I left my current job before and took the only job locally which lasted 12 months but I was dreadfully unhappy, worn out due to the excessive hours and shifts and was spending less quality time with my son than when I was away at sea (current job). I work 3 months away then get 2 months off which I spend with my son. I have always supported him financially until recently. My ex has always claimed benefits. I was paying £200 per month since the day my boy was born in support. When I was home I was also purchasing food for the house (I crash with the ex when home), anything he needed I would buy or we go halves on. I have never said no to financial support for him.......Ever (even though I'm 40K in debt). My ex has between 30K and 50K in savings (in sons account), only works 2 days a week, get's all the benefits, caribean holiday once a year, house given to her by family, car giving to her and running costs paid and has her own business (parents name although only just made a profit). My son has just started full time education. This is the thing. I stopped paying her a weekly ammount a few months back. I desperately wanted to stay with my son. I was prepared to go bankrupt, get emergency housing blah, blah and take any job I could get to be near him. My ex started to complai as this might affect her cosy lifestyle! (Can you believe it?!). Thats when I decided to go back to sea. I worked out the money she was getting from benefits etc, the overpayment I had forked out over the years (where's that gone?) and realised she's on a tidy little number!! So basically I've said I'm not paying her anything. Anything he needs, anything she spends on him etc we split. simple. She said it's too difficult for her to do as she doesnt have the time (what? working 2 days a week!?!? for her mother?!!?). So, wher do I stand with respect to the law? She say's she's entitled to 15% of my salary? I say she's not entitled to benefits (savings etc) and certainly not entitled to my salary as she's conned the social! Also she continues to go on that she's the "primary carer" and so has more rights than me? How can she as I've always been around since he was born?! Obviously I don't want to get her in trouble because that will benefit no one but I need to know where I stand. Sorry about the long post guy's but any advice will be greatfully received.

Thats great mate. Cheers. My situation, no assets, around 50K debt, just me all unsecured. I am withdrawing all the cash I have on Monday from the bank (around a grand). I am currently unemployed. Think BR is the way to go. I am going to the CAB on Monday anyhow. I've even tried to stay off benefits but am finally caving in and gonna start claiming till I find work. Will I qualify for a dicounted fee although I am not claiming yet?? Cheers

Yeah, I just don't want the OR to freeze my co op account with what little cash I have left in it! =) But I have also heard that it has took some people months to get an account?? Do you know how long it takes to get a hearing in court? How do I start proceedings?? CAB? I'm in the Manchester area if that helps? Cheers

Hi, Should I open a Co Op bank account before or after filing for bankruptcy??

I know what you mean. 6K of that debt is a current overdraft. But what I was thinking was, keeping BR as a last resort, why not do what others have done, fight the DCA's, if I could get them written off like others have done there's 10K done. I could possibly get another 3K back in charges and that could go to another debt?? Feel quite positive after reading through this forum! Bit of a joke though really when your at your last resort, BR yet you have to find 500 quid for the privilege!! lol

Yeah I know but just trying to look at all the options really. I've never really looked at any! =) I see people on here who have sent this form and that form to people like DCA's, same as who are dealing with some of my debts and they basically 'disapeared'! Why not go down fighting?!?