DMP with Stepchange since 2015

[dx100uk]

god you paid erudio...you mug! had blind over a student loan you most probably never owed...

 

send everyone a CCA request (not to wescot but to the debt owner) 

 

can we have take out dates please 

 

pers i'd cancel the step change DMP now.

[dx100uk]

SAR 's dont have to include CCA's

but those you have sent to the original creditors i will hope....?

 

what they hold is immaterial and you keep to yourself.

 

the CCA request (s) should go to the DEBT OWNER NOW...i'e the DCA's, but not wescot (use their clients name) as wetcloth do not buy debts only chase for clients.

 

if the debt owner does not hold enforceable paperwork i'e the SIGNED agreement, then you owe nothing till they comply.

 

i will guess by the forum you've used and the title of your thread you've been reading a few threads in this debt self help forum...get reading a few more and the jigsaw pieces and questions will soon be answered.

 

dx

 

[dx100uk]

it can't hurt to ring natwest and ask where the missing data is, there's usually a phone number quoted on the SAR reply cover letter.

 

as for MBNA, they would have defaulted you on or before sale to PRA. They must do this as part of sale process, else the debt buyer has no legal legs under section 87 of the CCA. you are correct that a debt buyer cannot issue a default notice.

[dx100uk]

its not weird, it's just you've to date either not been reading up as self help as you should or are getting confused.

 

when a debt is sold it must have been defaulted - else the debt buyer is up the creek latterly ever trying to enforce it.

you can have 2 entries for the same debt, but that doesn't mean its hurting you score twice.

 

ideally what should happen is the entry concerning the original creditor simply gets re-named to the debt buyer, they 'inherit' whatever the OC has done, but it shows now under their buyers name. 

 

CRA providers want to make themselves oh so important to you, so will often leave the old entry and create a new one...wow you've got problems..go fund our mates at the various debt orgs and get scammed into paying money blindly to them....

 

as long as the registered defaulted date in the debt summary is not changed by the debt buyer then thats all you have to check, you ignore the monthly calendar section, that immaterial and only you and the debt owner can see it, it plays no part upon your score, or shouldn't.