been with stepchange for years...

[lin22]

hi all,

 

i have recently setup a dmp to pay of various credit cards and loans.

 

on the 21/03/14 i received a letter from arrow global stating that the management of my account had been transferred to drydensfairfax solicitors.

 

i contacted them two days ago and they said their system had not been up dated with my details

and they would call me back (still waiting).

 

this morning i received a letter threatening court action if i don't start paying them.

 

any help would be much appreciated

Edited March 29, 2014 by lin22

[Millennium12]

hi all, i have recently setup a dmp to pay of various credit cards and loans. on the 21/03/14 i received a letter from arrow global stating that the management of my account had been transferred to drydensfairfax solicitors. i contacted them two days ago and they said their system had not been up dated with my details and they would call me back (still waiting). this morning i received a letter threatening court action if i don't start paying them. any help would be much appreciated

 

 

You haven't included that debt when you set up your DMP.

 

Tell the collection agency that you are in a DMP and they will give you 30 days "breathing space".

 

In that time either speak to the DMP and see if they can add the debt on to existing plans

(may not do it, and I have seen some DMC's add "admin" charges for this with excessive amounts).

 

If unable to add it call the collections agency and say something like "the DMC is going to offer £X per month, but I want to get it cleared faster, Will you accept £Y per month?"

 

I doubt they would say no since the alternative is a DMP.

 

Let us know how you get on.

[dx100uk]

hope your DMP is not a fee paying one

 

and that you've sent all the fleecers after money out of you a CCa request.

 

don't just blindly assume they have a legal right to any money.

 

DMP's will not do this you have too.

 

dx

[lin22]

thanks for the reply's, the dmp is with stepchange, what do i do if they cant or wont supply me with the requested information? can they sell the debt when in a dmp?

[dx100uk]

they can do what they like at anytime.

 

being in or out of a DMP means nothing.

 

you need to send ALL the firms getting money out of you a CCA request.

 

no enforceable agreement = NO PAYMENT.

 

can you list your debts please

 

and have you checked they SHOW on your CRA file?

 

dx

[lin22]

haven't checked cra file yet,

debts are

cooperative bank =£12,361.53

natwest credit card =£5,233.73

apex credit management =£2,989.37

nationwide building socie =£295.00

mbna =£6,960.39

 

i think the last one has been transferd to drydensfairfax but i cant be sure

[dx100uk]

apex, whats that debt and from whom?

 

are all the other being paid directly to the original creditors?

 

what are the take out dates of these debts

and what are types of the co-op and nationwide ones?

 

dx

[lin22]

apex was a credit card i think,nationwide was an over draft, co-op was a personal loan, i'm due to pay stepchange on the 1st

[dx100uk]

so everything bar nationwide can be sent a CCA REQUEST to who you pay thru stepchange

[lin22]

iv been reading about CCA Request, if they cant supply the information = no enforceable debt, right? for how long? what happens after the 12 days?

[dx100uk]

if they fail after 12+2 WORKING days to supply an enforceable agreement

then the debt is unenforceable until they do supply one

and you can stop payments.

 

dx

[lin22]

first CCA Request sent,working on the others tonight, will post the out come in a couple of weeks.

thanks for the advice dx.

[dx100uk]

the op is already with stepchange.......

 

dx