Bad Advice / Plan Management by PayPlan?

[dx100uk]

1st dump payplan now. Stop paying

Do things yourself.

 

How long ago did you pay those other scam debts off?

You say a week?

How did you do it

By a debit card from your bank account to the debt collectors/buyers pra etc?

 

Dx

[dx100uk]

Who's told you paying his debt off his debts gets his file clear sooner? Wrong!

 

Once a debt is defaulted, that being the original creditors write sending a default notice giving 14 days to pay £xxx, that default is there for 6yrs, regardless to the debt being paid or not or paid off or not.

 

The default and the whole account is removed on the defaulted dates 6th b'day regardless too.

 

Pers , if it's a lot of money bank of dad paid off, I would be contacting his bank and do a chargeback, getting the money back. You've been had 

 

Sadly this is typical of these debt management providers, cause they get a % of the sum and a backhander too 

 

Dx

 

 

[dx100uk]

PP wont argue, the bank would do a chargeback yes, you simply explain that you got railroaded by listening to a useless debt advisor and now realise you need to deal directly with the original creditors.

 

your call.

[dx100uk]

sure, saves him interest too.

 

is his credit file shot?

[dx100uk]

you could have negotiated the removal of the debts from the CRA if things are paid off in total. esp if a DCA owns the debt.

 

have clydesdale actually issued a default notice under section 87 of the consumer credit act? ie does the debt show a defaulted date dd/mm/yyy in the debt summary,

 

not just a D in the calendar section..... only the debt owner and him can see the calendar section not future lenders.

[dx100uk]

aha all making more sense now.

 

notice of sums in arrears is simply a notice a creditor must send if they wish to levy penalty charges (£12 fixed sun fees for being late or over time etc) those are unlawful penalty fees and can be reclaimed/removed.

 

when you paid the sums off the other 2 debts, you should have done that directly to the DCA not fleecing Payplan.

typically a DCA will often be willing to totally remove an account from CRA files if they get free money they might never have ever gotten. 

 

they buy debts on the hope that people think they are BAILIFFS , and wet themselves and cough up after a few threat-o-grams. sadly 99% of people think a DCa IS a BAILIFF , they are NOT. they are totally powerless!! sending them a CCA request to check they LEGALLY hold all the required paperwork to enforce a debt, often sees them off! why do you think the original creditor sold a debt on for 10p=£1, when they could have taken the debtor to court and crushed them...urm..i wonder. dca's then scam the debtor for the full value not what they PAID FOR IT!!

 

dx

 

 

 

[dx100uk]

no .....what you paid the DCA's that own those debts was all free money.

it went straight in their pockets for down the pub or to pay for staff family holidays .

 

the original creditors never see any of it.

[dx100uk]

They are funded by all banks and DCA debt owners regardless.

 

Dump them, forget them 

 

Dx

[dx100uk]

The OC will always default a debt upon sale if not already defaulted.

 

Don't worry about old bank accounts, just let them run. We will have all the details from an SAR each in the future.  But as I've said 9/10 made of bogus fees etc, we can argue defaulted dates later 

 

Probably pp saw this and only offered low £'s 

 

Dx