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Getting Back On Track........................Saint X

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  • Saint X
    replied
    Originally posted by JLC View Post
    When I left my DMP (private company), I sent them an SAR request and I received all correspondence from them whilst they were managing my debts for me. Not sure if it works the same way for PayPlan though - I imagine it would. It was a good job they had all the info as I had destroyed anything that was sent to me.

    Thanks for the reply
    It really is a minefield
    Saint X

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  • JLC
    replied
    When I left my DMP (private company), I sent them an SAR request and I received all correspondence from them whilst they were managing my debts for me. Not sure if it works the same way for PayPlan though - I imagine it would. It was a good job they had all the info as I had destroyed anything that was sent to me.

    Leave a comment:


  • Saint X
    replied
    Hi all

    Another week of silence!!
    I was kind of expecting PayPlan (DMP) to have been on my case
    Is it normal practice to take a while?
    Niddy did mention asking for a copy of the default notice, termination notice and notice of assignment, re PRA debts.
    Would now be a good time to send that off, and is there a template?
    Just trying to get prepared for what is to come.

    Have a great weekend everyone
    Saint X

    Leave a comment:


  • Saint X
    replied
    Hi everyone.

    Just updating that thus far I have not heard from DMP, nor creditors about non payment

    Waiting for the avalanche of letters and phone calls

    Hopefully you can help me through the process

    Kind regards

    Saint X

    Leave a comment:


  • Saint X
    replied
    Hi everyone.

    Just updating that thus far I have not heard from DMP, nor creditors about non payment

    Waiting for the avalanche of letters and phone calls

    Hopefully you can help me through the process

    Kind regards

    Saint X

    Leave a comment:


  • Saint X
    replied
    Thanks Tech Clerk and Spud. much appreciated.

    I am definitely stopping payments and will see what happens

    Lloyds hold my debts that I have a concern over, hence why I thought of SAR

    I like your optimism Spud, and will sit back and enjoy the ride

    Saint X

    Leave a comment:


  • Spud
    replied
    If you do send for the SAR's - Remember that if you have 2 accounts with LLoyds - You only need to send one request to Lloyds with one fee. Just put both account numbers at the top etc

    Those settlement figures are a good sign but with any luck you will be paying 0% or along the line if you find you do have to settle it will be lower than that.

    I cannot tell you what to do but if it were me I would be stopping payments and see what comes next etc

    It seems that everything is falling into place slowly and things are turning in your favour for a change

    Leave a comment:


  • The Tech Clerk
    replied
    you send the SAR to originator i.e. if lloyds then to them

    Leave a comment:


  • The Tech Clerk
    replied
    top of thread look into templates and under unenforceable look there, also browse threads and info sheets gives you a lot of information!

    Leave a comment:


  • Saint X
    replied
    Thanks for the reply Tech Clerk

    I was just thinking of sending off to Lloyds, as they are my two enforceable debts as things stand, and they are the majority of my debts.

    I will go on the advice from this site.

    Are there template letters for SAR, and where do you find information to send them etc

    Saint X

    Leave a comment:


  • The Tech Clerk
    replied
    SAR can give you good information you may not know it is a info from dealings and events, could be useful on many occasions BUT they have 40 days to respond within
    Last edited by The Tech Clerk; 13 October 2017, 21:23. Reason: Addendum

    Leave a comment:


  • Saint X
    replied
    Hi everyone,

    Can someone please tell me if it is a good idea to send a SARS request?

    This keeps coming up in other peoples diaries

    I am wondering as to my next steps

    Kind rergards

    Saint X

    Leave a comment:


  • Saint X
    replied
    Hi all

    I have this week received three letters from PRA regarding my debts with them

    DEBT 1 HALIFAX CREDIT CARD. Letter received dated 09/10/2017
    Contains a catalogue of copy statements dated 16/06/2005 until 16/07/2011


    DEBT 2 Lloyds Bank Loan. Letter received dated 06/10/2017

    Contains an offer of full and final settlement for 50% of the debt.

    This has come down dramatically from what they quoted me in July, with hardly any discount offered.


    DEBT 3 LLoyds Bank Loan. Letter received dated 06/10/2017

    Contains an offer of full and final settlement for 50% of the debt

    Again dramatically down from the offer they made in July.

    I am not going to proceed with these offers, and will not be paying into the DMP

    Lets see what happens next

    Kind Regards

    Saint X

    Leave a comment:


  • Saint X
    replied
    Hi all,

    I have decided to take the plunge, and cease payments on my DMP

    I have three currently UE and the other two enforceable.

    I would appreciate some professional advice, as I do believe there are flaws in the documents, including no signatures!!

    I am excited, but also a little stressed.

    I am really not sure if I have listed things properly on here, but feel confident all will be fine, with all the help and advice from you good people

    Please bear with me. I will get there in the end

    Kind regards

    Saint X

    Last edited by Saint X; 10 October 2017, 19:46.

    Leave a comment:


  • Saint X
    replied
    Originally posted by Diana Mayhew View Post

    When (what year) was this debt assigned to PRA and might it have been assigned to any other debt purchaser before then (i.e. two assignments in the chain)?

    Di
    HiI Di,

    I hope you are well.

    I have today received a letter from PRA regarding this Halifax card, along with a bundle of payments details dating back to 18/06/2005

    The letter asks me to contact them within ten days in order to come to a mutually acceptable agreement to settle/

    Niddy has said this debt is UE

    I would appreciate any help please

    Kind regards

    Saint X

    Leave a comment:

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