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Claire1979!!

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Everything posted by Claire1979!!

  1. Claire1979!!
    So just sign the form and send back then is it? If there’s nothing else I can do
  2. Claire1979!!
    I don’t know if it’s enforcable. It will be £1600 off the balance. However I was self employed and on the original rejected Ppi claim they said it would still ha e paid me on unemployment. After I had SAR last yearI did go to FOS last year but it was too late. There is no way it would have paid me out. I don’t mind the debt being reduced but that money would have come in handy. Is there anyway around this even half to debt and half to me. This debt was never on my credit file after I went into a DMP in 2009
  3. Claire1979!!
    Hi I tried to claim PPI from a Tesco credit card in 2012 I was rejected and didn’t take it to a ombudsman.. Defaulted 2009 and was paying £50 a month for a no of years. Then I dropped it to £1 per month in 2016. As I came out of work. Owe around £4000. But never upped the £1 pcm. Had a CCA off them in 2016 but they’ve never chased for extra money only have a odd random text saying call as my arrangement has expired. Fast foward to Sept 2017 I re applied for PPI under Plevin and have been offered some money however they want to take it off the debt. Are they allowed to do this? The acceptance forms says By signing this form I confirm that this offer is rightfully mine. I am aware this payment will be credited against any outstanding arrears on my credit card account within 28 days of receipt off this acceptance form. By accepting this refund. I confirm that any unfair relationship created between me and Tesco bank as a result of undisclosed high commission or otherwise has been rectified and that this refund is made in full and final settlement of any claim and complaint made by me against Tesco bank arising out of or in a connection with the sale of PPI
  4. Claire1979!!
    Still got pra ringing me daily and leaving messages . Anything I can do about this
  5. Claire1979!!
    That tickled me as well! Safe to ignore then?? I told them I was not in this morning! Lol
  6. Claire1979!!
    Hello again. Back with a update all quiet my end until today. pra group have called me 4 times on landline since yesterday, left 2 messages to call them and I've recieved a letter of Cabot today. -any advice? PDF Photos 20-10-2016.pdf
  7. Claire1979!!
    Ok thanks. They haven't sent one of those in the amount of time I've been paying them.
  8. Claire1979!!
    Recieved this today off pra group. Didn't pay August as they had not provided cca returned postal order and said they were putting account on hold. After this they have only a sent few statements from 2010. Any advice now guys PDF Photos pra.pdf
  9. Claire1979!!
    I'll go to my online banking and cancel Cabot immediately then
  10. Claire1979!!
    Update PRA group have stopped collection activities but have sent me the last few copy's of statements from Barclays late in 2010 when I say staments it's just printed off amounts. They didn't aquire debt until sept 2015 And there is no PRA group showing on experian since last week. It was showing arrangement to pay since sept 2015 Cabot have said they can take up to 40 days to get information required Cabot have taken this months payment out of bank. I have also sent CCA to Tesco today as they didn't sell my debt on but this debt hasn't shown on credit report since it went in to dmp in Dec 2010.
  11. Claire1979!!
    Ok I'm more worried if they could take me to court. Before I could go back on a payment plan
  12. Claire1979!!
    So what happens next?? Continue to pay pra group until I have cca??
  13. Claire1979!!
    Just been on the phone to barclaycard again about no default. They have agreed to totally remove entires from credit file as yes they should have defaulted it in June 2010 a nd are going to tell PRA group to do the same. They've also paid me £100 for the inconvience of all the phonecalls and lack of action on their behalf. I'll be posting CCA to PRA group later too.
  14. Claire1979!!
    Barclaycard/ pra is the biggest one its stands at 4500. Pra group is showing in debt management plan not arrangement to pay. Just checked Cabot is around 2000 I've already spoke to barclaycard regarding the matter of not marking default as if they had added the default not 6 payments late for over 5 years it would be dated with pra too it's not they have told me to call back in 14 days. Twice. My score on experian is standing at 927 out of 999 at the moment it was horrific!!
  15. Claire1979!!
    Cabots not on there any more but pra is a showing since 2015 I'm in an arrangement to pay and all green no default
  16. Claire1979!!
    The reason I ask that as I'm considering asking for a full and final settlement figure on the 2 and would pay the lowest one first.
  17. Claire1979!!
    And if they can't produce anything? Does that mean I don't have to pay them anymore?
  18. Claire1979!!
    Ok I've been reading on here that's what to do when sold to dca. Was slightly unsure as to what to do and what outcome as I do owe the money. Shall I continue to pay as PRA have only been on my credit report for a year and now it stands at 927 I wouldn't want to jeopardise that
  19. Claire1979!!
    Hi I have 2 debts that were started in approx 2006 one barclaycard PRA group sold to these in 2015 one abbey loan now with Cabot. both been in a dmp since 2010 and I've been paying monthly to a company. I've stopped that now and I pay direct. But what I was wondering is do I send a CCA to the company which have aquired these debts. One is PRA group sold to these in 2015 and the loan is now with Cabot. Cabot is off credit file and PRA group shows are arrangement to pay as Barclays didn't default me early on like abbey

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