The Start of my journey..Floss2020

[Floss2020]

Good evening!

I am a newbie here, just starting down the Unenforceable route with some very old debts. I have been paying on a DMP for 10 years and most of my debts have been sold on. I am unsure of how I should go about this and could do with some advice. I am am up to date with my DMP, but this will be coming to an end at the end of this month.

My debts are as follows:

Capital one:

Type of account - Credit card
Date commenced - 2006 ish
Approx balance - 170.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Capital one

Intrum UK Previously 1st Credit Ltd:

Type of account - Credit card
Date commenced - 2008 or 2009
Approx balance - 385.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Aqua Card

Moorcroft Group PLC:

Type of account - Personal Loan
Date commenced - 2008 or 2009
Approx balance - 3350.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Lloyds Bank PLC

Moorcroft Group PLC

Type of account - Bank Overdraft
Date commenced - 2008 or 2009
Approx balance - 1200.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Lloyds Bank PLC

PRA Group Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009 - Maybe later
Approx balance - 1440.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Barclaycard

Paragon Personal Finance Ltd :

Type of account - Store HP ( I think)
Date commenced - 2008 or 2009
Approx balance - 190.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner I Think this was Currys /HFC Bank

Vanquis Bank Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009
Approx balance - 750.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Vanquis Bank

Westcot Credit Services:

Type of account - Credit card
Date commenced - 2008 or 2009
Approx balance - 6425.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Lloyds Bank PLC

I really need some advise of how I should do this. I know I need to send a CCA request to my creditors with the Postal order for a pound. But do I still pay them while I am waiting for this or just cease my DMP and wait for the responses to the CCA request.


I am a bit nervous and anxious about all of this, but I need to gain control of my finances and move on with my life

Thank you in advance


Floss

[Joanna Connolly Solicitors]

Good evening!

I am a bit nervous and anxious about all of this, but I need to gain control of my finances and move on with my life

Good Evening Floss2020

No need to feel nervous and anxious.

This could be the beginning of the end.

Time to take control of the situation instead of the situation controlling you.

I'll take a look back at your thread tomorrow and make some suggestions. Sending a CCA Request may or may not be the next step. We'll see.

Di

[Floss2020]

Thank you Di,

I will look forward to hearing from you.. I hope you have a good evening

[Joanna Connolly Solicitors]

PRA Group Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009 - Maybe later
Approx balance - 1440.72
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Barclaycard

I'll start with this old Barclaycard which has been assigned (sold) to PRA

Do you have an extra information to add such as when it was defaulted by Barclaycard and/or when it was assigned to PRA?

My suggestion is to send them (PRA) a s78 CCA Request with the £1 statutory fee to see if they can produce the original credit agreement.

Was it a Barclaycard at the beginning, or could it have been an Egg or maybe Morgan Stanley credit card which was later acquired by Barclaycard?

It'll be easier to manage your Diary if you make a separate post for each debt then you can just update that post when there's anything to report.

10 years is a long time to be in a DMP - who is the provider?

Di

[Floss2020]

Hello Di,

This was a Barclaycard form the start, it was one of the ones for people who didn't have the best credit score, if that helps.

This was assigned to PRA in August 2015. I will get a CCA letter prepared and sent off this week

My DMP was with Payplan.

Sorry about posting it all together, I am very new to this!

Thank you for your advice!

Floss.

[Floss2020]

Debt 1:

Capital one:

Type of account - Credit card
Date commenced - 2006 ish
Approx balance - 173.00
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Capital one
Original creditor - Capital one

This appears to still be with Capital one. No full payment made since 2010

[Floss2020]

Debt 2:

Intrum UK Previously 1st Credit Ltd:

Type of account - Credit card
Date commenced - 2008 or 2009
Approx balance - 380
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner - Intrum
Original Creditor - Aqua Card

Last fill payment 2010

2010 - New Day ( formally SAV Credit )
2011 - HBOS PLC
2012 - Intrum UK Previously 1st Credit Ltd

[Floss2020]

Debt 3:

Moorcroft Group PLC:

Type of account - Personal Loan
Date commenced - 2008 or 2009
Approx balance - 3300
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Intrum
Original creditor - Lloyds

Lloyds Bank 2010- 2015 ( I think Moorcroft were collecting on their behalf?)
Intrum UK Previously 1st Credit took over in 2019 ( this looks to be still managed by Moorcroft?)

[Floss2020]

Debt 4:

Moorcroft Group PLC

Type of account - Bank Overdraft
Date commenced - 2008 or 2009
Approx balance - 1200
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Intrum
Original creditor Lloyds

2010-2018 Llloyds/Moorcroft
2019 - Intrum UK Previously 1st Credit/Moorcroft.

[Floss2020]

Debt 5:

PRA Group Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009 - Maybe later
Approx balance - 1400
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner PRA
Original creditor - Barclaycard

Last full payment made in 2010

Barclays Bank PLC to 2015
2015 PRA Group

[Floss2020]

Debt 6:

Paragon Personal Finance Ltd :

Type of account - Store HP ( I think)
Date commenced - 2008 or 2009
Approx balance - 190
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner I Think this was Currys /HFC Bank

Last full payment would have been in 2010

2010 - HFC /Hoist Finance
2012 - Paragon Personal Finance

[Floss2020]

Debt 7:

Vanquis Bank Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009
Approx balance - 750
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Vanquis Bank
Original creditor Vanquis Bank

Last full payment was in 2010

2010 Vanquis Bank
2011 Intrum UK previously 1st Credit
2011 back to Vanquis Bank?

[Floss2020]

Debt 8:

Westcot Credit Services:

Type of account - Credit card
Date commenced - 2008 or 2009
Approx balance - 6400
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Cabot Financial Europe
Original creditor Lloyds

2010 Lloyd Bank PLC
2011 Westcot Credit
2012 Westcot Credit
2017 Cabot Financial/ Westcot
2018 Cabot Financial/Westcot
Note the is a different account number referenced on each of the dates shown?

[Joanna Connolly Solicitors]

Hello Di,

Sorry about posting it all together, I am very new to this!

Thank you for your advice!

Floss.

No need to apologise!

Most members who join this forum are new to this.

No one wakes up and says "today I will walk the dog, pick up the dry cleaning, and get into debt". Stuff happens.

(I've replied to your PM)

Di

[Floss2020]

Good morning! ?? Apologies for the delay here. Life got in the way!! I have 8 shiny CCA template letters prepared to send to my creditors. I will update my diary as soon as they are posted.