Been paying stepchange for 22yrs - few dca's have any paperwork - now 72yrs old - options?

[SEDRICK]

hi

 

i am in dispute with cabot financial about a debt from 20 years ago

 

they can not send a true copy of the credit agreement they say the debt is too old and can not send a copy

 

what are my legal rights.

[dx100uk]

when did you last pay or use the credit ?

and what type of credit///?

and who is the original creditor please?

[SEDRICK]

Hi

 

I am on a dmp

I pay £5 per month

not used the card for well over 20 years

 

the original was with the associates thats why cabot can not send a copy of the credit agreement.

Plus I dispute the amount.

 

Thanks for getting back bfn.

[honeybee13]

Hi Sedrick.

 

I've altered your last post so it isn't all block caps. If you could possibly post in lower case, it's easier to read for the advisers and doesn't look like shouting.

 

HB

[SEDRICK]

hi sorry about the caps the debt is with Cabot  the original creditor was with the associates I am paying £5 per month on a dmp I stopped using the card when a started my dmp Cabot can not provide a credit agreement they said the debt is too old, I am disputing the amount  thank you.

[dx100uk]

god why have you been blindly paying anyone on a DMP without ever sending them a CCA first?

not got any other debts your are blindly paying to a powerless DCA?

 

who's the DMP with?

 

if they cannot or have not provided the signed agreement within 12+2 working days from your request you stop payment immediately

 

all you've done is run the statute barred date to infinity and been a DCA cash cow.

 

dx

 

[SEDRICK]

hi thanks for your reply,

 

yes I have more debts of the same age where they can not send a credit agreement as the debts are old

 

what Cabot saying now is they will offer me discounts on my debts, can they take me to court I don't know my legal rights. 

 

the dmp is with step change I did not know about cca and old debts until i read about them

[dx100uk]

dump step change, had you for a fool from day one.

 

no cca = no pay.

and without enforceable paperwork no one will ever go near a courtroom door.

getting discounts says it all!!

 

you been mugged for years and and years.

 

what are the other debts please

 

 

 

[SEDRICK]

hi

other debts are 

 

intrum same age same story no cca agreement/

 

hoist the same no cca /

 

Moorcroft debt recovery

they did send a copy of a cca the loan was taken out in 1998

i have told Moorcroft to check what was paid off

it had ppi on it plus £4700 in charge for credit 

plus the amount i have paid before i had the dmp i know i have paid it off .

[dx100uk]

if no one has any signed agreements STOP PAYING THEM!!

 

who are moorcrofts client?

 

dx

 

[SEDRICK]

Moorcroft client the name on the cca is colonial date 17/10/1998  but the name on my dmp  is Chatham finance.

[dx100uk]

Good grief that lot went down the panhole early 2000's and paragon finance took over their loans.

 

i very much doubt any of your money paid to moorcroft ever went against any 'debt". Straight in their pocket and down to pub, laughing all the way.

 

dump stepchange simply stop paying them.

 

Dx

[SEDRICK]

hi

 

 one of my debts Cabot hold is an old Barclaycard credit card from 2002

 

they can not send me a copy of the original credit agreement debt to old

 

 I have been paying this on my DMP since 2002, payments to date are £1,515.53 .

 

the credit card number on my DMP is not the same as the one Cabot has on their account I am still paying,

 

Cabot say it is a mistake and just swap the card number around, they must think I must be stupid,

 

I phone up Barclaycard they told me the credit card number was account closed 2010.

 

so have paid £1,515.53 on a closed account

 

how do I sort this one out any ideas.

[The GodMother]

DITCH stepchange. 

Do not let them take any more money. 

Do not let them tell you that you owe it 

Do not let them say but morally younowe it. 

Stepchange is paid for by the companys and as result always side with them. Log on to your account set them ALL as NIL or ZERO and leave it at that. 

 

Tell your bank you dont want them to take money from you. 

[SEDRICK]

hi the godmother thank you for your reply

 

 I am new to all this 

 

I am worried at the age of 72 years old can you take me to court.

[dx100uk]

2 hours ago, SEDRICK said:

hi

 

 one of my debts Cabot hold is an old Barclaycard credit card from 2002

 

they can not send me a copy of the original credit agreement debt to old

 

 I have been paying this on my DMP since 2002, payments to date are £1,515.53 .

 

the credit card number on my DMP is not the same as the one Cabot has on their account I am still paying,

 

Cabot say it is a mistake and just swap the card number around, they must think I must be stupid,

 

I phone up Barclaycard they told me the credit card number was account closed 2010.

 

so have paid £1,515.53 on a closed account

 

how do I sort this one out any ideas.

 

You demand all you money back from fleecing Cabot 

 

Dx

[dx100uk]

2 hours ago, SEDRICK said:

hi the godmother thank you for your reply I am new to all this  I am worried at the age of 72 years old can you take me to court.

 

Not without a true copy of the agreement you originally signed with you signature 

 

 

Not a chance 

 

Dx

[dx100uk]

Ive retitled your thread and moved you to the debt management plan companies forum.

 

have a read of a good few threads here.

that will get you upto speed..

 

https://www.consumeractiongroup.co.uk/forum/310-debt-management-plan-companies/

 

Dx

[SEDRICK]

hi dx100uk thank you for that, what will I be looking for in my DMP is with step-change

[dx100uk]

Who should never had signed you up to pay off fake debts in the first place!!

 

IMHO they are equally liable with Cabot to refund your money on this BC debt with a fake card number 

 

For now..read lots of like threads.

Stop paying SC now!!

 

 

 

[SEDRICK]

hi, dx100uk

 

I am only just finding out about things like CCA, you would think my DMP step charge would know about a CCA .

 

I ask them about the Barclaycard with the wrong card number,  they could not tell me much, Cabot said they have been paying it for years.

 

I will write to Cabot ask them to refund my money back, I don't know how that will go.

 

I am in dispute with Moorcroft regarding debt recovery , they say I still own them £ 1109

 

it's an old debt from 1998, they did send a copy of CCA, that only tells me the loan was for £11,000 PPI £2701 £4,700 for the credit charge

 

it was £306.70 month, I made 33 payments £306.70 = over £10,000 plus £4.189.59 paid into my DMP.

 

I am asking them for a breakdown of  the credit charge plus the PPI I think i have paid enough in.

[The GodMother]

Step Change are aware of CCAs etc. If they are not they should be after the amount of people from this forum has cancelled due to lack of paperwork. 

 

[dx100uk]

Just stop paying everyone anything 

 

Send stepchange an SAR 

 

Write a letter of complaint to stepchange . Stating they are implicit in paying Cabot on a fake debt to BC that never exist. I want my money back 

 

Same to Cabot do not ring do not use email from now on 

 

This could end up with the financial regulators. You need a paper trail.

 

As for moorcroft and the loan. Who are moorcroft stated client on their letters. This will not be colonial nor Chatham but another DCA now.

 

It would be extremely useful if you would scan up to one mass pdf every bit of paperwork you have on each debt .  Read our upload guide 

 

Dx

[SEDRICK]

hi, dx100uk thank you for the info

had a look at the upload guide totally lost

I am a 72-year-old one finger keyboard man

 

all the other info you sent I using

 

the only worry I have is from Moorcroft who sent a CCA copy from 1998

all I am asking them is a break down 

I told them I have paid load off,

can they take me to court.

 

the other is Cabot and the Barclaycard debt with the wrong card number

do I write to them or step-change for a refund.

[dx100uk]

have you a scanner or a mobile phone scanner you can use ?

 

moorroft cant do court

they are not the debt owner.

 

look on their letter 

it will say our client xxxxx

what is the name there?

 

have you stopped paying stepchange yet?