Unable to pay Stepchange DMP as now unemployed

[dx100uk]

no sweat

really hate what DCA's do to people

it should be made illegal and criminal.

 

 

dx

[Pearlyj]

OK here are the details

 

Westcott Nat West Loan and credit card

NCO Egg Loan

Direct Legal Santander Loan

Link MBNA Credit Card

IDEM HSBC Credit Card

IDEM HFC Loan

Cabot Barclaycard Credit Card

 

All of these were taken out over 10 years ago

[dx100uk]

Oh oh link

That'll be bogus for sure

And wetcloths too

 

If any of these prove enforceable I'll eat my hat

 

Per knowing who has your debt now

I would cancel the DMP forth with

[Pearlyj]

Bunch of shysters

 

So as we stand now then, dump the plan but shall I approach the DCA's now or wait until they contact me when they get nothing this month

[dx100uk]

Might be best to await for each one to send the first of a series of letters you'll get causing mass deforestation first

 

Then comeback here and tell us

 

Just remember...

A DCA is NOT A BAILIFF

And have

NO SUCH LEGAL POWERS

 

You are under no obligation to talk on the phone

Nor at your door

Should a dirty Mac brigadier appear

 

Get reading!!

[Pearlyj]

OK will do, payment not due until next week so I will enjoy the calm while I can

 

I will visit back when I have something to report but won't send anything back to them until Ive been back on here

 

Once again thanks for your help

[Jedicris]

NCO Egg Loan

All of these were taken out over 10 years ago

 

Hi Pearlyj,

 

Bet you that the Egg loan had PPI on it, whether you wanted it or not.

Be good to check if there was and if so, get reclaiming fast.

As the debt has been sold, it should all come back to you.

 

As they say, get a SAR off and find out.

You need to check who to send it to. It could be Canada Square Operations or Barclaycard.

CSO took over old accounts and Barclaycard took the ones that were still current.

 

Good Luck

[Pearlyj]

Many thanks Jedicris

[Pearlyj]

Just an update

 

I have sent the relevant letters to Wescot today by guaranteed next day delivery.

 

I will report back when I have something back or not as the case may be

 

Fingers crossed

[Pearlyj]

Sorry should have said recorded delivery and not guaranteed next day delivery

[dx100uk]

what letters were they?

you don't need to use recorded

1st or 2nd class with free proof of posting when you get the £1PO's

at the counter is good enough

[Pearlyj]

The CCA Request letters

 

One for a loan and one for a credit card

[dx100uk]

the rest can get them too!

 

 

dx

[Pearlyj]

I will sort them over the next couple of days

[Pearlyj]

All letters have been sent and as they were sent recorded I can see on line that they have all been received and signed for.

 

I suppose its just a waiting game now

[dx100uk]

might well be an idea

as each returns

that you start a new thread in the named forum of the original creditor

else its gonna get mighty confusing in this one thread

[Pearlyj]

Will do

 

Do you mean in sections pertaining to the individual DCA

[dx100uk]

???

you had an egg loan

you've sent for the CCA

when that comes back

scan it up to PDF

and then start a new thread

 

if you click the top left main forum tab

and drill down

 

you will find named forums for all the banks

 

[the original creditor of whatever the CCA was about]

 

then click the new thread button

name it

and post up the reply as an attachment to your post

[Pearlyj]

OK

[Pearlyj]

Am I right in thinking that they should reply within 12+2 working days and if so what do I do if they don't reply in the allotted time

[dx100uk]

stop payment if you are/have been making any

is one of your options.

 

 

are any of these debts still owned by the original creditors

or are they all now owned by dca's

[Pearlyj]

Ive not made any payments since I started this thread, they are all owned by DCA's

[dx100uk]

good

 

let the fun begin.

 

typically we see about 75-90% of the debts vanish

never to be heard of again.

 

sadly thats called being cash cowed,

[Pearlyj]

Fingers crossed then

[Pearlyj]

Hi there

 

Sorry I couldn't find an obvious place to post this but please feel free to direct me and I will post again if required, i just want to let someone on here see this reply

 

Many thanks

Scan 1.pdf