Originally posted by Pat
View Post
Announcement
Collapse
No announcement yet.
scottygees UE diary
Collapse
X
-
- 2 likes
-
Hi Scotty
I just read you said you will restart your DMP with stepchange in the future, Is there a reason why you don't /can't run them yourself. having been in a paid for DMP myself for a while I understand how it takes the pressure off but to be honest after the first few months doing it yourself it gets easier. I am now under 1 year away from SB and have had sizeable portions of my debts written off or not been chased.
Some of my files have a small forest in them, some just two or three pages
Good luck
- 2 likes
Leave a comment:
-
Originally posted by scottygees View PostCAPITAL ONE- Credit Card
- Date commenced (ideally before Apr 2007)-unknown
- Approx balance-£989.40
- Date last paid -September 2010
- Are you on arrangement or not paying-currently on a DMP but not paid anything at all since Feb 2017
- Status-previous default that has now dropped off credit report
- Account owner-Apex Credit Management
12/06/17 letter recd-confirming they can consider a discounted settlement figure-ignored
26/06/17 letter recd-outlining payment solutions incl.monthly payments to clear within 3.5 and 7 years and also reduced lump sum to clear account
13/07/17 CCA request made
14/07/17 letter recd from Apex dated 10/7/17 confirming previous solutions but as i haven't responded they will return the account back to Capital One
- 2 likes
Leave a comment:
-
Originally posted by scottygees View Post
12/06/17 letter recd-confirming they can consider a discounted settlement figure-ignored
26/06/17 letter recd-outlining payment solutions incl.monthly payments to clear within 3.5 and 7 years and also reduced lump sum to clear account
13/07/17 CCA request made
- 2 likes
Leave a comment:
-
Originally posted by scottygees View PostVANQUIS- Credit Card
- Date commenced -not known
- Approx balance £1002
- Date last paid -Sept 2010
- Are you on arrangement or not paying-DMP but no payment since Feb 2016
- Status -Default 31/8/2015
- Account owner-DLC
26/6/17-letter recd offering a 50% reduction on outstanding balance
13/7/17-CCA request made
- 3 likes
Leave a comment:
-
Originally posted by scottygees View PostTESCO- Credit Card
- Date commenced -not known
- Approx balance- £989
- Date last paid -Sept 2010
- Are you on arrangement or not paying-DMP but no payment made since Feb 2016
- Status -unknown.Account no longer on credit report
- Account owner -Robinson Way
13/7/17-CCA request made
- 2 likes
Leave a comment:
-
Originally posted by scottygees View PostBARCLAYCARD- Credi card
- Date commenced -unknown
- Approx balance-£957
- Date last paid-Jan 2016
- Are you on arrangement or not paying-DMP but no payment made since Feb 2017
- Status-default 30/3/2016
- Account owner- Link Financial Outsourcing
13/7/17-CCA request made
- 2 likes
Leave a comment:
-
Originally posted by scottygees View PostMBNA- Credit Card
- Date commenced-unknown
- Approx balance-£785
- Date last paid-Sept 2010
- Are you on arrangement or not paying-DMP but no payment made since Feb 2017
- Status-unknown as no longer showing on credit report
- Account owner- Idem Capital Securities
13/7/17-CCA request made
- 3 likes
Leave a comment:
-
Originally posted by scottygees View PostYORKSHIRE BANK- Credit Card
- Date commenced-not known
- Approx balance-£1583
- Date last paid -Sept 2010
- Are you on arrangement or not paying-DMP but no payment made since Feb 2017
- Status-unknown as no longer showing on credit report
- Account owner-Cabot
13/07/17-CCA request made
- 2 likes
Leave a comment:
-
Originally posted by scottygees View PostCAPITAL ONE- Credit Card
- Date commenced (ideally before Apr 2007)-unknown
- Approx balance-£989.40
- Date last paid -September 2010
- Are you on arrangement or not paying-currently on a DMP but not paid anything at all since Feb 2017
- Status-previous default that has now dropped off credit report
- Account owner-Apex Credit Management
26/06/17 letter recd-outlining payment solutions incl.monthly payments to clear within 3.5 and 7 years and also reduced lump sum to clear account
13/07/17 CCA request made
- 2 likes
Leave a comment:
-
Originally posted by Still Waving View PostHave they been chasing you since you stopped paying? It would help if the diary entries were updated with notes of letters received/sent.
- 3 likes
Leave a comment:
-
Have they been chasing you since you stopped paying? It would help if the diary entries were updated with notes of letters received/sent.
- 1 like
Leave a comment:
-
Originally posted by Diana Mayhew View Post
You can send the s 77-79 CCA Requests now - it'll make you feel better knowing that you've taken control of the situation instead of the situation controlling you.
Each time you receive a letter simply re-quote your original post and add the updated information.
I see you don't know when you opened any of these accounts but the exact date isn't important at this stage however do you have a vague idea of which year it might have been in each case? Accounts opened before April 2007 have different criteria for UE.
Di
- 2 likes
Leave a comment:
-
Originally posted by scottygees View PostSo I have started my UE diary. It has taken a lot of deliberation and carefu consideration for me to do this. Before I send the CCA requests is there anything else i need to do/any advice etc?
Each time you receive a letter simply re-quote your original post and add the updated information.
I see you don't know when you opened any of these accounts but the exact date isn't important at this stage however do you have a vague idea of which year it might have been in each case? Accounts opened before April 2007 have different criteria for UE.
Di
- 1 like
Leave a comment:
-
good start = CCA request so that we can confirm enforceable/unenforceable I suggest as that is the starting point?
- 2 likes
Leave a comment:
Leave a comment: