Been with Stepchange for years - looking to do own DMP

[just_jue]

Hi, helping a friend that has been paying Stepchange for around 8 years now and has another approx 4 years to go.

All the debts are no longer on their credit file, and they are:

 

Hoist Barclays Partner Finance £4,000

Lowell Finance £400

NCO Arrow £350

 

There were a couple more but they didn't have a CCA so closed the account.

 

They want to start their own one and try and clear via a F&F settlement

 

Before they close the stepchange account Is the Hoist one still with the OC? And if so how do we go about this regarding the CCA etc

[dx100uk]

hoist are a Debt buyer so cant still be with BPF

send each debt owner a CCA request

 

 

 

[just_jue]

Thanks DX,

 

Just found some information from them

[Andyorch]

Topic open

[just_jue]

Thanks,

 

We have problems with Lowell, firstly they are now reporting missed payments on the account that wasn't there before, so have SAR the OC to see if we can get a copy of the DN.

 

Secondly they are chasing for a minimal amount (under £50) on an 02 default, but on the credit file both 02 and Lowell are showing the default is this right or should only one be showing it?

 

Thanks again

[dx100uk]

Find out the dn dates.

 

The same debt being reported twice doesn't hurt you twice.

 

as for any silly monthly markers they will obv vanish with the whole a/c upon the dn's 6th b'day, no matter how many times the same debt shows

 

Dx

[just_jue]

Thanks DX wait to see when the default date is and what Lowell are reporting

[just_jue]

On the credit file, its now not showing a default date, no details of the original debt just fixed term deffered payment loan, the status is showing delinquent and now 6 missed payment. 

 

Shouldn't this have been linked to the original debt 

[dx100uk]

Though you said there were 2 entries for the same debt? One oc one lowell.have you not kept an old file copy that showed the original creditors defaulted date?

 

Dx

[just_jue]

Sorry this is for another. 

The o2 one with lowell is the same debt but the default dates are 3 months 

[dx100uk]

understood

a debt without a default notice is useless to a DCA as they cant enforce any judgement they might get without one.