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  • Enough now

    Hi everyone, I have been reading with interest your very inspiring posts, which have made me rethink my current financial situation. A bit about me and my situation.

    I began with a DMP in 2008, managed by StepChange. I have let this run completing annual reviews. I found the whole process of letters and threats , one person even contacted the HR department of where I work. I hadnít ignored any requests for information at all, but found them very intimidating. Complaints to the financial ombudsman didnít result in anything positive so my faith was lost in a system which should have managed this threatening behaviour.

    The DMP has been paid regularly over this time.
    My my partner isnít aware of the DMP.

    I have been unwell over the last 3 years, after a shock cancer diagnosis , with subsequent ongoing ill health caused by treatment, and the death of a very much loved father from cancer.


    i feel the need to tackle the rest of this debt now, otherwise it will be running for another 10 years.

    I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
    So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

    Please forgive me me if I donít understand the terminology, if I ask questions that may seem to be easily explained.

    I take this step knowing that there are so many supportive people who can guide me through this process, I am happy to take the challenge and feel confident with the support available within this lovely group.

    I will post details of each debt in the required format.

    Thank you all.



  • #2
    Originally posted by Rosebud View Post
    I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
    So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

    Hello

    You've spent 10 years paying these debts so I wouldn't be surprised if you've paid back far more than you actually borrowed in the first place if they continued to add interest and charges when you began to struggle.

    It's definitely time to take the first step towards establishing which of these debts are enforceable and which aren't.

    If they've been assigned (sold) to debt purchasers then there may be other reasons for a debt to be unenforceable not just the credit agreement.

    And if there's PPI involved then there may be the potential for refunds if they were missold. This would only be realistic if the debt has been sold on so your claim would be against the original creditor.

    Let's see what transpires

    I look forward to helping you on your journey.

    Di

    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #3
      Originally posted by Rosebud View Post
      Hi everyone, I have been reading with interest your very inspiring posts, which have made me rethink my current financial situation. A bit about me and my situation.

      I began with a DMP in 2008, managed by StepChange. I have let this run completing annual reviews. I found the whole process of letters and threats , one person even contacted the HR department of where I work. I hadnít ignored any requests for information at all, but found them very intimidating. Complaints to the financial ombudsman didnít result in anything positive so my faith was lost in a system which should have managed this threatening behaviour.

      The DMP has been paid regularly over this time.
      My my partner isnít aware of the DMP.

      I have been unwell over the last 3 years, after a shock cancer diagnosis , with subsequent ongoing ill health caused by treatment, and the death of a very much loved father from cancer.


      i feel the need to tackle the rest of this debt now, otherwise it will be running for another 10 years.

      I have taken a look at my current debt all of which would have been initially taken out at some point before 2007. From looking at the many posts I wonder if they are unenforceable.
      So today I have taken the first steps to identify if this is the case, obtaining the obligatory £1 postal order to request the information needed.

      Please forgive me me if I donít understand the terminology, if I ask questions that may seem to be easily explained.

      I take this step knowing that there are so many supportive people who can guide me through this process, I am happy to take the challenge and feel confident with the support available within this lovely group.

      I will post details of each debt in the required format.

      Thank you all.

      I joined earlier this year after much dithering and wish I had bitten the bullet years before. I have had some fantastic results since joining, and have peace of mind at long last, and all in a few short months. You are in amazing hands here, with caring, sharing people, knowledge is power. Good luck on your journey Rosebud!

      Comment


      • #4
        Hi Rosebud.
        welcome to your new home.
        please feel free to ask any question you like and we will answer it as soon as we can.

        please just remember we are volunteers on this site and sometimes we may seem to be here 24/7 we do have to do the General things in life. Eat. Sleep. Clean. Shop. Put the hubby back in his place.

        we are not here to judge, just to help people get back in charge of their life and help explain the debt process in easy to understand English.

        we look forward to helping you
        NW xxx
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • #5
          Hi nightwatch , thank you, I know you are volunteers which is amazing not sure how you fit everything in. I will be mindful of that , letters have all been completed now. Will send then recorded delivery tomorrow, get the ball rolling. Will post updates. Thank you again I feel very reassured of the amount of support available. Xx

          Comment


          • #6
            Originally posted by Diana Mayhew View Post


            Hello

            You've spent 10 years paying these debts so I wouldn't be surprised if you've paid back far more than you actually borrowed in the first place if they continued to add interest and charges when you began to struggle.

            It's definitely time to take the first step towards establishing which of these debts are enforceable and which aren't.

            If they've been assigned (sold) to debt purchasers then there may be other reasons for a debt to be unenforceable not just the credit agreement.

            And if there's PPI involved then there may be the potential for refunds if they were missold. This would only be realistic if the debt has been sold on so your claim would be against the original creditor.

            Let's see what transpires

            I look forward to helping you on your journey.

            Di
            Thank you Di, I Think your very right I probably have paid back more money. The debts have all be sold on now, some a couple of times. I will collect all the info and update with details. Just wanted to get the letters completed which I have done tonight. Feel much better already.
            cant tell you how much I value the support.
            Regards. Xx

            Comment


            • #7
              Hi , well all letters have now been send 1st class recorded will see what turns up then.
              In relation to the 12+2 days is this working days ?

              Comment


              • #8
                So now debts , I will complete one entry for each.

                Type of account : credit card ( previously MBNA )
                date commenced : ? I havenít got any documentation , but it will be before July 2008.
                Approx balance : £2525.48
                Date last paid: before July 2008
                On DMP , running from July 2008
                Status : default
                Account owner : Idem servicing

                Comment


                • #9
                  Type of account : Marks & Spencer personal reserve
                  date commenced : before July 2008
                  Approx balance : 1588.18
                  Date last paid : before July 2008
                  On DMP from July 2008
                  Status : default
                  Account owner : Idem servicing

                  Comment


                  • #10
                    Type of account : CC
                    DATE COMMENCED : before July 2008
                    approx balance : 43.75
                    Date last paid , prior to July 2008
                    On DMP SINCE JULY 2008
                    status : default
                    Account owner : Cabot Financial ( for Westcott).

                    Comment


                    • #11
                      Type of account : CC
                      DATE COMMENCED : before July 2008
                      Approx balance : 4802.73
                      date paid in full : before July 2008
                      On DMP SINCE JULY 2008
                      Status ? No default letter received.
                      Account owner : Cabot financial

                      Comment


                      • #12
                        Type of account : CC
                        DATE COMMENCED BEFORE JULY 2008
                        approx balance : 4928.94
                        Paid in full : prior to July 2008
                        OM DMP SINCE JULY 2008
                        status : I have no default letter
                        ACCOUNT OWNER : Link Financial

                        Comment


                        • #13
                          Type of account : CC.
                          DATE COMMENCED : before July 2008
                          approx balance : £5384.70
                          Last paid in full : before July 2008
                          ON DMP SINCE JULY 2008
                          status: I have no default letter
                          Account owner : Link Financial

                          Comment


                          • #14
                            TYPE OF ACCOUNT : CC
                            DATE COMMENCED : June 2005
                            approx balance : £3543.55
                            last paid in full : before July 2008
                            ON DMP SINCE JULY 2008
                            status : no default letter received.
                            Account owner : Cabot financial ( for Westcott).

                            Comment


                            • #15
                              TYPE OF ACCOUNT : cc
                              Date commenced : January 2004
                              approx balance : 8187.90
                              last paid in full : before July 2008
                              ON DMP SINCE JULY 2008
                              status : no default letter received
                              Account owner : Cabot Financial

                              Comment

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