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  • My DMP diary

    BARCLAYCARD
    • Type of account - Credit card
    • Date commenced - 12th Sept 2007
    • Approx balance - £1,157.34
    • Date last 'full' payment - May 2013
    • Arrangement - DMP
    • Status - defaulted 2013
    • Account owner - PRA Group

  • #2
    Last payment made??
    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


    • #3
      BARCLAYCARD
      • Type of account - Credit card
      • Date commenced - Oct 2011
      • Approx balance - £1,832
      • Date last 'full' payment - May 2013
      • Arrangement - DMP
      • Status - defaulted Jan 14
      • Account owner - PRA Group

      Comment


      • #4
        Originally posted by The Tech Clerk View Post
        Last payment made??
        Feb 20, all my creditors have accepted reduced payments from Payplan who is managing my DMP.. I have been on a DMP with them all since May 2013.
        How do I edit my posts to add information to it when I come to sent CCA request letters, responses received etc?

        Comment


        • #5
          Originally posted by d_mcl85 View Post
          How do I edit my posts to add information to it when I come to sent CCA request letters, responses received etc?
          Don't worry about technical things right now - just carry on listing your debts in the way you have done with the first two. You can fill in the blanks later.

          At the risk of sounding like a midwife, you're doing great

          This forum aims to help you take back control of your debts instead of them controlling you.

          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


          • #6
            ÀRGOS STORE CARD
            • Type of account - Store card
            • Date commenced - unsure
            • Approx balance - £544.93
            • Date last 'full' payment - May 2013
            • Date of last payment - Feb 2020
            • Arrangement - DMP
            • Status - no longer showing on credit file
            • Account owner - Cabot Financial

            Comment


            • #7
              NEWLOOK STORE CARD
              • Type of account - Store card
              • Date commenced - unsure
              • Approx balance - £288.08
              • Date last 'full' payment - May 2013
              • Arrangement - DMP
              • Status - no longer showing on credit report
              • Account owner - Cabot Financial

              Comment


              • #8
                HALIFAX
                • Type of account - Personal loan
                • Date commenced - 2010
                • Approx balance - £7,317.22
                • Date last 'full' payment - May 2013
                • Date of last payment - Feb 2020
                • Arrangement - DMP
                • Status - no longer showing on credit report
                • Account owner - Moorcroft Debt Recovery

                Comment


                • #9
                  Moorcfoft are only collectors not owners they act for owner
                  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


                  • #10
                    SANTANDER
                    • Type of account - Overdraft
                    • Date commenced - approx 2008
                    • Approx balance - £541.39
                    • Date last 'full' payment - May 2013
                    • Arrangement - DMP
                    • Date of last payment - Feb 2020
                    • Status - no longer showing on credit report
                    • Account owner - Wescot Credit Services

                    Comment


                    • #11
                      Collection agent's on commission
                      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


                      • #12
                        Oakbrook Finance LTD/Likely Loans
                        • Type of account - Personal Loan
                        • Date commenced - April 2018
                        • Approx balance - £12,083.60
                        • Date last 'full' payment - July 2018
                        • Date of last payment - Feb 2020
                        • Arrangement - DMP
                        • Status - Arrears
                        • Account owner - Oakbrook Finance
                        25.1.20I Uunaffordable/irresponsible lending complaint made
                        3.2.20 - Likely loans confirmed receipt of complaint and aim to respond within 8 weeks.

                        Comment


                        • #13
                          Originally posted by The Tech Clerk View Post
                          Moorcfoft are only collectors not owners they act for owner
                          Thanks Tech Clerk, do I send my CCA reques to Halifax rather than Moorcroft then?

                          Comment


                          • #14
                            Originally posted by d_mcl85 View Post

                            do I send my CCA reques to Halifax rather than Moorcroft then?

                            Yes, send it to the Halifax

                            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


                            • #15
                              Originally posted by d_mcl85 View Post
                              Oakbrook Finance LTD/Likely Loans
                              • Type of account - Personal Loan
                              • Date commenced - April 2018
                              • Approx balance - £12,083.60
                              • Date last 'full' payment - July 2018
                              • Date of last payment - Feb 2020
                              • Arrangement - DMP
                              • Status - Arrears
                              • Account owner - Oakbrook Finance
                              25.1.20I Uunaffordable/irresponsible lending complaint made
                              3.2.20 - Likely loans confirmed receipt of complaint and aim to respond within 8 weeks.

                              If Oackbrook Finance Ltd T/A Likely Loans don't uphold your complaint (in a Final Response letter) you can escalate it to the FOS before the 8 weeks are up. If Likely Loans haven't reached a decision when the 8 weeks are up, you can escalate it to the FOS anyway.

                              Did you have any help on how to make your complaint?

                              How was the loan taken out, such as online?

                              In some cases Likely Loans would simply transfer the money into your bank account because you've made an application but before you signed (tick box?) any credit agreement.

                              I'll ask Warwick65 to pop in

                              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

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