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.

[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.

[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.

[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

[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 .

[SEDRICK]

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

[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.

[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.

[SEDRICK]

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

[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.

[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.

[SEDRICK]

hi, dx100 I have a scanner on my printer

 

looks like the client is Arrow global receivables management ltd.

 

yes,  all payments to step-change have stopped. does this help.

[SEDRICK]

 hi dx100uk will do I will let you know when it is all done.

[SEDRICK]

hi dx100uk   scanning done hope they are the ones you need.

[SEDRICK]

HI DX100UK  I HAVE HAD REPLYS  BACK FROM COBAT  CAN I SEND THEM TO YOU, THANKS SEDRICK

[SEDRICK]

hi dx100uk

 

ok just letters about being unable to send any cca,

accounts now unenforceable but to keep paying my dmp.

 

have told step charge to stop any payments to all my creditors .

[SEDRICK]

barclaycard debt now with cabot

wrong card number on their billing

have paid through step change £1,515 plus they have no cca

 

cabot say its just a mistake it will be right

 

phoned barclays up that account does not exist still waiting for a reply from cabot

 

 

 

 

[SEDRICK]

 hi dx100uk

yes you did i have put in a claim for cabot to repay the money back still waiting for a reply.

 

plus just received a email letter from hoist finance can i send it to you on your email

[SEDRICK]

 hi did my email letters come through ( hoist )

[SEDRICK]

Moorcroft debt recovery have sent me a statement from 1998 -2007 on the statement £(11,000 loan )/ ( ppi £2,701) ( intrest £4,700 ) i dont think they should be adding the ppi  the interest is very high what do you think. 

[SEDRICK]

hi dx100uk thanks for that they did send a copy of the loan agreement from 1998 is it still safe to stop paying Moorcroft .

[SEDRICK]

hi this is what Moorcroft sent  

img20220618_15272410.pdf img20220618_15295275.pdf img20220618_15315502.pdf

[SEDRICK]

thanks for  that have printed a copy

 

hi

what do you think i should do as you can see they are trying to add the ppi into the debt and the high interest charges from 20/03/2002 at £17.50 pm then up & up by the end it was over £90 to over £100 pm for years

i have told them that i will not be paying and i have paid the debt off if any they owe me, bfn

[SEDRICK]

thanks will do

[SEDRICK]

thank you will do and if i get any letters i not sure of i will let you know it was going on for far to long  i will take heed  thank you again cash cow no more.