My Debts and my journey into and after failed IVA..

[shortwoman68]

Thank you very much for all your assistance so far

and I apologise for asking so many questions but I need to sort these debts out.

 

I would appreciate if you could answer some more questions.

 

1. Should I send SARs to all my creditors even though they were previously included in my IVA?

(This would prove too expensive for me to do)

 

2. What should I do about the debts that do not appear on my credit files

and as they only appear to go back 6 years some of the debts were 13 years ago.

 

3. In relation to the loans taken out in my maiden name,

how do I go about claiming PPI on them considering they have requested a copy of my Decree Absolute which I do not have.

 

4. What do I do about the Payday loans,

I have already placed a query on the PDL website but not received a response.

 

I would be grateful for any further assistance.

 

Many thanks

[dx100uk]

Thank you very much for all your assistance so far and I apologise for asking so many questions but I need to sort these debts out.

 

I would appreciate if you could answer some more questions.

 

1. Should I send SARs to all my creditors even though they were previously included in my IVA? (This would prove too expensive for me to do) - YES re reclaiming

2. What should I do about the debts that do not appear on my credit files and as they only appear to go back 6 years some of the debts were 13 years ago. - forget them if they have!

3. In relation to the loans taken out in my maiden name, how do I go about claiming PPI on them considering they have requested a copy of my Decree Absolute which I do not have. - rubbish util/ctax bill will do

4. What do I do about the Payday loans, I have already placed a query on the PDL website but not received a response. - you mean the pdl forum here?

I would be grateful for any further assistance.

 

Many thanks

 

dx

[shortwoman68]

Thank you for your quick response but I am a bit confused,

 

some of the debts that go back 13 years especially the large loans I am being chased for and received a letter for them last week.

 

I cannot claim PPI on them and forget them also.

 

If they do not appear on my credit file but I am still being chased,

should I just ignore them,

will they not take me to court as they were listed on my IVA.

 

I thought the IVA being a legal document meant that you acknowledged the debts listed,

 

although I did not acknowledge one and complained that it was placed there despite being in dispute.

 

PDL, yes I placed a query on the forum on here.

[shortwoman68]

I have just received this email regarding my Capital One loan,.

 

Introducing CFO Resolve….

 

You can now apply for CFO Resolve and get a weight off your mind and up to £200 in your account today!

 

In an effort to get your loan out of default with CFO Lending we would like to offer you our CFO Resolve product.

By taking advantage of this offer we will:

1) Remove all fines and interest currently on your account.

We take your current outstanding balance, including all late interest charges £945.06 and reduce it to the original £378.00 that you initially borrowed!

 

2) Offer you a small top-up.

We have an available £135.00 that we can transfer to your account today!

 

3) Set your due date for you next payday.

We will set the repayment date for your next payday where you can clear the new balance in full or defer if you choose too.

 

4) Get your account out of default with CRA’s

We will advise the Credit Reference Agencies that we work with, that you have resolved your account, which may make applying for credit in the future easier!

 

The Resolve team has been specifically set up to help you get out of debt by reducing your balance.

 

Simply CLICK HERE and complete the simple application form, be sure to enter your details correctly so we can get the cash out to you as quick as possible!

 

Just to make you aware that this debt is not listed on my credit file!

[dx100uk]

IGNORE CFO!!

 

start a thread in the capital one finance forum.

 

look at your debts

look for the name of the ORIGINAL CREDITOR

 

goto the named forum here for each one

 

and start a thread for each of your debts

 

its better they are deal with individually rather that in one thread.

 

dx

[shortwoman68]

Yep will do or it will get too confusing! thank you will do.

[Annie71]

its just a smoke screen.

 

lewis are welcome, CL finance are just another DCA

 

they are trying to make themselves out as being important

 

they are NOT

they are a DCA they are NOT BAILIFFS

theyhave NO LEGAL POWERS.

 

pop an SAR off to shopacheck [welcome] and await

 

dx

Dx are you sure.

I was under the impression that lewis and cl were the same group and nothing to do with welcome

 

Sorry my mistake all of them are inter related with similar directors.

Lewis do debt purchase,, all a tax fiddle if you ask me.

Edited June 12, 2013 by Annie71

[dx100uk]

yes very sure

 

go read a few welcome threads from a few years ago when they crashed,.

 

cattles plc owned lewis.

 

anyhow..

 

this is not helping the OP.

 

get that sar off

 

dx

[shortwoman68]

I think I made a mistake as I was contacted by Cannaught about Associates credit card which does not appear on my credit file and is over 6 years old.

 

I sent off a payment before asking questions on here because of the letters they were sending me.

 

What happens if I stop and make a request for a CCA, is it too late to do this?

 

Also this is the same for Moorcroft who are collecting on behalf of Vanquis credit card,

this card was taken out in 2011.

 

I have not paid Moorcroft but they have sent a payment book and I have corresponded with them.

 

Is there anything I can do?

[dx100uk]

CCA them.

 

phone associate cards and ask when you last payment was.

 

bet its SB'd.

 

if you've made a payment after its SB'd,

you are still ok as no-one can unbar a debt not even a judge.

 

dx

[shortwoman68]

Thank you I will do this.

[shortwoman68]

I would like to clear my debts which amount to around £45,000.

 

It was not all of my making but I am lumbered with it now.

 

I have tried an IVA but I could not afford the repayments which I informed them off but they went ahead anyway and I defaulted.

 

I can get hold of £5,000 and wondered if I would be able to offer them a percentage to clear it all. Advice please anyone :?:

[renegadeimp]

Take it slow. Can you list all your debts, type of debt, amounts, dates of last payment, when they were taken out, who owns them, who was the oc, who is chasing you for them.

 

There are many things you can do, but you need to do it correctly.

 

First step is to list the debts as i stated, second is after you list them, we can help you check if theyre legally enforceable.

[shortwoman68]

Thank you. What does OC mean?

 

Also isn't the person chasing them, the person that owns them?

[dx100uk]

company

original creditor.

 

the owner might now be a DCA or debt buyer

 

I've merged several old threads relating to your circumstances together here

as it give a better picture

 

have a read thru from post 1 now

 

and give us an over view of how it is today

 

might be an idea to pop off and get your credit file too

 

as those that don't show

are not harming you anymore credit wise and could be very low priority?

 

dx

[shortwoman68]

As recommended, I have placed all my debts in a table with information added.

 

Sorry I forgot to mention that

Egg was a loan and the

 

 

Associates was a credit card initially Citi Bank I think..

List of debts.pdf

[dx100uk]

Egg Loan owned by Arrows= let it run ignore till next threat-o-gram.

Woolwich = let it run ignore till next threat-o-gram.

Shopacheck sold to lowells - send a CCA request

tmobile - scan up the drydens letter please

three - ignore both

abbey - scan up the cabot letter please

citi card - send 1st credit a CCA request

 

 

as for the payday loans

you need to go make a thread about then in the PDL section

 

 

for now

save your money

or go have a holiday with it.

 

 

dx

[shortwoman68]

Thank you for your response. I will do.

[shortwoman68]

Sorry,

both Abbey and Associates are not on my credit file but still being chased,

 

 

I will scan the Cabot letter for Abbey

 

 

should I still sent 1st credit a CCA considering it is not on my credit file?

 

 

Also what should I do about Vanquis Bank which I only receive statements from Lowell for?

[dx100uk]

Sorry,

both Abbey and Associates are not on my credit file but still being chased,

 

I will scan the Cabot letter for Abbey

 

should I still sent 1st credit a CCA considering it is not on my credit file? yes

 

Also what should I do about Vanquis Bank which I only receive statements from Lowell for?

 

 

when was the last time they waved their arms about for any money lowells/vanquis

[shortwoman68]

The last time I heard from Lowell re: Vanquis was 23/03/2016 which was a statement.

[dx100uk]

so when was the last time they actually chased you for the balance

if its months ago

i'd let it run till they do

then send them a CCA request for that debt too

[shortwoman68]

To be honest I cannot remember when they last sent me a letter for this only statements. but it was purchased on 11/9/2009.

 

Just to be clear, should I not sent anything to either of these since they are effectively not being chased?

 

Egg Loan owned by Arrows= let it run ignore till next threat-o-gram.

This was taken out in 1999 but no letters sent requesting payment only statements.

 

Woolwich = let it run ignore till next threat-o-gram. This was also taken out in 1999 no-one is chasing this debt

[dx100uk]

if no-one is actively waving their arms on a debt wanting money by sending silly threat-o-grams

then don't kick any pram wheels

 

simply invites pointless letter tennis

 

dx

[shortwoman68]

I have attached all the letters from Drydensfairfax Solicitors and the one from Cabot financial below.

Cabot Financial - Abbey - Current Account.pdf

Drydensfairfax solicitors - Moneyshop.pdf

Drydensfairfax solicitors - Shopdirect.pdf

Drydensfairfax solicitors - Tmobile.pdf