time to sort this mess out

[Jaffacake]

Hi toeveryone in the forum and thank you for all the info available to help me makea start on my financial mess.

my story started about 10 years ago with a lot of unsecured debt to the tune of£35k, I have been on dmp and never missed a payment, I never reallyquestioned the debts and threats as I was not wanting to go bankrupt(wish I hadnow it would have been done and dusted).
Now after checking the internet regarding full and final settlements I cameacross this forum, I'm wanting to find out if any of my debts are unenforceableto possibly help me get the lowest possible settlement.
Most of mydebts have been defaulted and fell off my credit file apart from Littlewoods cataloguewhich gets passed to ndr then back to Littlewoods, and has shown on my creditfile as AP for the last 4 years.
I will posteach debt once I have more info on them as any correspondence I got I forwardedto my dmp at their request.(I have now gone self managed)


None of mycreditors have sent me any statements over the years so I have sent ccarequests off to all the ones I know to be credit cards or loans, unsure what todo with my overdraft one though?
Thanks inadvance

[PlanB]

Re: time to sort this mess out

Hi to everyone in the forum and thank you for all the info available to help me makea start on my financial mess.

my story started about 10 years ago with a lot of unsecured debt . . . .

If your story started ten years ago then all of these accounts will have been opened before April 2007. This could be good news for you.

if any of my debts are unenforceable to possibly help me get the lowest possible settlement.

If any of these debts are unenforceable you may like to consider a 'settlement' of £0.00

Plan B x

[SaltnVinegar]

Re: time to sort this mess out

Hi Jaffacake - welcome to AAD!



First question - who do you have the DMP with? How long have you been paying into the DMP? How long do you have left on your DMP? Have ALL creditors agreed to freeze interest and charges?

Useful to know as helps whether to make the UE route decision

[Jaffacake]

Re: time to sort this mess out

I was with money plus( yes one you pay for- just buried my head and hoped my problems would disappear) I have cancelled the plan and have my confirmation letter and the direct debit is cancelled. At my last check with them it was going to take about 14years to pay off and all interest has stopped for the whole time of me paying the dmp.

[PlanB]

Re: time to sort this mess out

I was with money plus (yes one you pay for . . . ) interest has stopped for the whole time of me paying the dmp.

Okay. So if your creditors agreed to stop interest while you were in a fee-charging DMP then I see no 'logical' reason for them to stop interest while you're in a self-managed DMP.

Have all these debts been defaulted? By that I mean did you get issued with Default Notices (headed s.87 (1)) from all of them?

Plan B x

[Jaffacake]

Re: time to sort this mess out

I do know all have been defaulted except the littlewoods account which is still on my credit file showing AP every month for years, the rest have gone past the 6 years so are no longer on my file. I do have one ccj (also not on my file)which I pay £20 a month for but I never received any court papers saying a claim was being put in.(I had moved house/split from ex wife) so the only time I knew about it was when an attachment of earnings came through so I informed my dmp and they got me to fill a form in and the judge stopped the attachment but set the payment at £20 until debt is paid off. That was over 6 years ago and have not received any statements or info from them in this time.
i will post each debt up tomorrow once I dig out all the paper work I have, but thankyou all for the quick replies.

[PlanB]

Re: time to sort this mess out

I do have one ccj (also not on my file)which I pay £20 a month for but I never received any court papers saying a claim was being put in.(I had moved house/split from ex wife) so the only time I knew about it was when an attachment of earnings came through so I informed my dmp and they got me to fill a form in and the judge stopped the attachment but set the payment at £20 until debt is paid off. That was over 6 years ago and have not received any statements or info from them in this time.

Let's take a look at that too.

A lot will depend on whether they should have known that you were no longer living at the address when they issued the court summons.

We look forward to helping you to sort out this mess (as you call it).

Plan B x

[Spud]

Re: time to sort this mess out

i will post each debt up tomorrow once I dig out all the paper work I have, but thankyou all for the quick replies.

Once you have done that we will be in a better position to advise on your options. Hopefully there would be options that would see an end to these debts in less than half of the time it would have taken in your DMP.....and at less cost



Out of interest when did you send off the CCA requests? ....and have you had any replies back?

[cymruambyth]

Re: time to sort this mess out

Hi and welcome to AAD, as you have seen we try to give advice and support without being judgemental. With regards to your overdraft, on our subscription service AAD+ we have a specific CCA request for them.

[JLC]

Re: time to sort this mess out

This is the link to the overdraft template to use. http://forums.all-about-debt.co.uk/s...CA-Information

I am currently using this for my co-op overdraft. I'm still waiting for them to comply and provide the relavent information. No need to send any money with this one, but remember to send it recorded.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT - Barclay loan
Date Commenced - ?
Approx Balance - £4255
Date last paid - ?
Arrangement or not paying –Arrangement
Status – CCJ
Account owner - Barclays

not heard anything from this since 2008 I just send my payment to po box 341, Manchester m60 3ez
13/01/2017 - letter saying thank you for your inquiry and giving me a mandate form to fill in.( never even sent an inquiry)

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT - ?
Date Commenced - ?
Approx Balance - £255
Date last paid - ?
Arrangement or not paying – DMP
Status –
Account owner – CARS

16/03/16 – Sent an email askingdetails of this account

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Barclay card
Date Commenced - 2003
Approx Balance - 2692
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2012
Account owner – capquest

23/02/2013- Letter from Barclaycard notice of assignment to capquest.
23/02/2013- letter from capquest confirming the above.
03/03/16- CCA request sent
04/03/16- CCA request signed for
29/03/16 - received letter stating that money plus are no longer dealing with my account and for me to contact them regarding payment account on hold until 04/04/16.
19/09/2016- received a statement letter.
26/09/2017- settlement offer letter received and to contact them.
24/07/2018- letter introducing a new payment method.
24/07/2019- letter asking for me to contact as they have not heard from me, also stating Resolvecall Ltd will be visiting property.
14/12/2021- letter stating that after additional enquiries they know im a home owner and that its important that they speak to me, also offering over 50% discount offer.



- - - Updated - - -

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Halifax Loan
Date Commenced - ?
Approx Balance - 6577
Date last paid - ?
Arrangement or not paying – DMP
Status – Assigned
Account owner – Cabot

03/03/16 – CCA Request sent
04/03/16 – CCA request signed for
26/03/16 - recieved letter saying they have requested the documents and could take upto 40days.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT - loan
Date Commenced - ?
Approx Balance - 9032
Date last paid - ?
Arrangement or not paying – DMP
Status – Assigned
Account owner – Arrow Global managedby Moorcroft

03/03/16 – CCA Request sent
04/03/16 – CCA Request signed for
07/03/16 – confirming they haverequested documents from arrow and will forward them on when they have them.Also stating that they are not seeking enforcement just asking for payment foran outstanding debt.
18/04/16 - letter recieved, acknowledge receipt of my recent request and confirm that they have closed my account with them and passed it back to Arrow Global Ltd.