Unable to pay Stepchange DMP as now unemployed

[dx100uk]

so as from post 45 then.

 

that's a std letter from cabot re a CCA

 

changes nothing

they only have 12+2 working days!!

 

dx

[Pearlyj]

Thanks @dx100uk

[Pearlyj]

Good evening

 

I have today received a reply from one of my creditors (they have 3 accounts for me so I am expecting more of the same)

I have attacked this reply.

 

My question is this,

are they able to register defaults on my credit file as they cannot prove that they own the debt,

or are they within their rights to do this.

 

 

Should i be replying to this letter with anything in particular and as they have said they will continue to chase the debt

shall I just ignore any chasing letters

 

Many thanks

Scan 1.pdf

[dx100uk]

opps one cash cow debt removed

you do nothing more bar stop any payment if you wee ever doing so.

 

 

yes sadly they mark the calendar section of the CRA file

but that wont matter a nonkey as the debt was already defaulted by the OC before sale?

 

 

ideally you should be starting a new thread

for each debt tht you get a reply on

else we are gomma get mighty confused........

 

 

dx

[Pearlyj]

Thanks @dx100uk

 

I will start new threads going forward to avoid confusion.

 

If they mark the calendar as you say will that bring down the credit score or is it incidental

[dx100uk]

makes no odds cant harm you further as long as the debt is defaulted

and they have not changed the date the OC entered in the first place.

[Pearlyj]

Thank you

[Pearlyj]

Good morning

 

I have received confirmations of receipt from all but one that I sent CCA letters to.

 

Wescot replied to one but not to the second one I sent, it was for a personal loan

 

They received the request on 18th August so the required days have now well passed. Should I be sending them a dispute letter now or do I just sit tight

 

Thanks as ever for your advice

[dx100uk]

You don't send anything bar p'haps stop any payment

[Pearlyj]

Thank you @dx100uk