Red88's UE Diary

[PlanB]

Re: Red88's UE Diary

must also show throughout debt communication . . . and future s.86 statements.....

I do hope they haven't done that

If they've been charging the OP 17.5% of his £1k monthly payments then that's a whopping £12,600 over the years at least. Plus a further £2k to set the plan up in the first place.

Plan B x

[Never-In-Doubt]

Re: Red88's UE Diary

Not for profit Organisations must also show throughout debt communication ie accompanying the s.87 notice etc and future s.86 statements.....

Well spotted.

[PlanB]

Re: Red88's UE Diary

notes on what they have agreed with you over the last six years. They are a disgrace and should be ashamed

. . . don't pay the shysters anymore money.

Once everything is under control you may want to consider getting back some of the obscene fees they've been charging you especially if they didn't re-negotiate payments or undertake any significant activity on your behalf apart from taking your money, helping themselves to a chunk of it, then handing over the rest to your creditors.

DMP providers are regulated by the FCA and they have rules to follow. One of them is to refer you to a not-for-profit organization if appropriate. I think that's exactly what they should have done years ago. You may have a justifiable complaint to the FOS in due course.

https://www.citizensadvice.org.uk/de...s-must-follow/

Plan B x

[Never-In-Doubt]

Re: Red88's UE Diary

4 MBNA accounts? Really?

Egg went to Barclays so unsure where MBNA comes into things or even where Egg comes into things.

-> http://www.telegraph.co.uk/finance/n...rd-assets.html

[MrsD]

Re: Red88's UE Diary

the DMP providers should have records of what has happened with all of these debts

I would possibly SAR them to get it all

I would stop the direct debit or whatever they take the money with

Then I think I would wait for a couple of months, paying nothing and see what happens

then we can deal with everything from there on

If you've managed to log in to their portal, there must be a statement of account there, there must be a note of what they are paying to who, and there must be a notes on what they have agreed with you over the last six years. They are a disgrace and should be ashamed but they won't be cos the only thing they will be interested in is the money.

I wouldn't worry too much about losing your house, we won't let that happen and we can deal with this all, I have great doubts if anyone will ever think about court, I will be interested to see if anyone of them even write to you after you cancel the DMP. if they do, we'll send a prove it letter then a CCA request. Most of these are going to be so old that I doubt if the creditors will even have any paperwork.

Chin up just don't pay the shysters anymore money.

[nightwatch]

Re: Red88's UE Diary

good morning Red, welcome to AAD, May your journey with us be a good one, we are all here to help xxx

[nanna58]

Re: Red88's UE Diary

Its always best not to ring or speak to creditors ever, everything in writing always good luck xx

[The Tech Clerk]

Re: Red88's UE Diary

Capital One

• Type of account: Credit Card
• Date commenced: UNKNOWN - Debt Not showing up on credit report
• Approx balance: £959
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
• Account owner (who is writing to you, a DCA or the lender): Capital One

RED/Hampton/Lowell - Support Group

[Red88]

Re: Red88's UE Diary

Royal Bank of Scotland

• Type of account: Credit Card
• Date commenced: UNKNOWN - Debt Not showing up on credit report
• Approx balance: £242
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
• Account owner (who is writing to you, a DCA or the lender): Royal Bank of Scotland

[Red88]

Re: Red88's UE Diary

Capital One

• Type of account: Credit Card
• Date commenced: UNKNOWN - Debt Not showing up on credit report
• Approx balance: £959
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
• Account owner (who is writing to you, a DCA or the lender): Capital One

[Red88]

Re: Red88's UE Diary

Unsure who the original lender is, suspect Barclays Current Account Overdraft

• Type of account: UNKNOWN - Suspect this is an overdraft
• Date commenced: UNKNOWN - Debt Not showing up on credit report
• Approx balance: £526
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
• Account owner (who is writing to you, a DCA or the lender): Central Debt Collection Services

[Red88]

Re: Red88's UE Diary

Barclays Bank Plc

• Type of account: Loan
• Date commenced: 17/01/2006
• Approx balance: £3,700
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): Barclays Bank Plc

[Red88]

Re: Red88's UE Diary

Barclaycard

• Type of account: Credit Card
• Date commenced: UNKNOWN - Debt Not showing up on credit report
• Approx balance: £3,237
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
• Account owner (who is writing to you, a DCA or the lender): Barclaycard

[Red88]

Re: Red88's UE Diary

MBNA / EGG (Unsure who the original lender is)

• Type of account: Credit Card
• Date commenced: UNKNOWN - Debt Not showing up on credit report
• Approx balance: £2,269
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
• Account owner (who is writing to you, a DCA or the lender): Wescot Credit Services

[Red88]

Re: Red88's UE Diary

MBNA / EGG (Unsure who the original lender is)

• Type of account: Credit Card
• Date commenced: 10/10/2001
• Approx balance: £1,531
• Date last paid (approximate date you last made a FULL payment): ~2009
• Are you on arrangement or not paying: Currently paying on arrangement
• Status (default/in arrears/up-to-date): Status shows up-to-date although listed as part of a DMP on CreditExpert
• Account owner (who is writing to you, a DCA or the lender): Idem Capital Securities Ltd