Been with Spectrum/Moneyplus for 15yrs - should i think of going BK? - Advice Please!!

[dx100uk]

dump the DMP co..... do it yourself

 

see sequenci's blog in my sig

 

you cannot reclaim BANK A/C charges but evetything else is fair game.

 

i'd start a thread in each named card holder forum etc

 

and read a few threads there so's you know the routime.

 

dx

[dx100uk]

when was the lasttime you paid these debts?

why are you now suddenly deciding to send CCA requests off?

 

dx

 

dx

[dx100uk]

ok merged a  few random threads here regarding your debts from years gone by.

 

are you still with spectrum? i think they went bust so you had pass the parcel to someone else and they ripped you off too i bet.

 

shame you did get those CCA's off in 2008 nor in 2011 as you has blindly been cash cowed on all your debts for years i bet.

[dx100uk]

god please dump that dmp .

 

what address do the DMP company have for you? your new personal address?

[dx100uk]

good.

send them an sar please

it could be useful later and to see if they have been doing what all these companies do squirrel most of you miney away in fees and a supposed 'F&F pot' that you never knew existed.

 

when is your next payment due to them?

can you get a current list (im told all customers have an online portal) of all the debts and their status's please?

 

 

[dx100uk]

woe slow down...

just sar moneywise only.

 

leave the CCA requests for now

no need to do anything about the debts themselves just yet

what i want to insure is they get your correct address first.

or

is the previous address one you would get mail from ?

[dx100uk]

just sar moneyplus for now please, you need that for p'haps later as i explained.

 

initially should communication from those that were being paid through moneyplus goto your mothers, would you eventually get that mail in a reasonable period?

[dx100uk]

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=moneyplus&oq=moneyplus&gs_l=partner-generic.12...351232.355546.0.358219.9.9.0.0.0.0.96.574.9.9.0.csems%2Cnrl%3D13...0.4352j2646498j9...1.34.partner-generic..4.5.343.m5E7XKhFEU0

 

https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=spectrum&oq=spectrum&gs_l=partner-generic.3...63538.65970.1.68127.8.8.0.0.0.0.73.494.8.8.0.csems%2Cnrl%3D13...0.2448j914176j8...1.34.partner-generic..8.9.593.zz38YOWa7ko

 

have a read of the above threads.

 

we will in the fullness of time CCA each fleecer, but there is no rush, 

simply wait for each individual owner of each debt to chase you by letter

then using the address they write from - you send them a CCA request.

 

should it transpire their CCA is enforceable (after you scan it up here and we check it) then you might resume payment

for now a month or two of missed payment cannot hurt you

you credit file would have been defaulted years and years ago by each one

so they can't now do anything to harm you - the defaults are all well passed +6yrs. so the A/c's can never comeback.

 

stop payment to MP . SAR them.

lets get you out of the DCA's cash cow milking parlours first.

 

 

[dx100uk]

 

do not communicate with anyone without checking here 1st.

as you'll read in those threads, the various fleecers will pull every trick in the book to get their cash cow back to being blindly milked.

do not fall for any of it!!

 

i'll excuse the fact you've been here years and should know better ...

but stick by the rules of engagement.

 

do not EVER give any fleecer an email address or use email to them

do not ever speak on the phone to them.

writing from now on only.

 

read the red bits below too....carefully

[dx100uk]

as long as they all have an address be it your current or your mums whereby you quickly (say 2 weeks) would know if any have sent a letter of claim.

you are safe to ignore each one. 

 

oh wheres our cash cow gone...