Let the fun commence - 6 year journey starts here!

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Hi guys

Quick question: Barclaycard sold both my credit card accounts to Link, but I am still yet to be defaulted on these - according to my Equifax report! Are Barclaycard allowed to sell on debts without defaulting me first??? I have been on reduced payments with them from December 2015 (now not paying). I would expect a default by now I want my default!!!

Jeeez, you know it's bad when you're crying out for a default to be put on your credit file!!

Thanks
Brussel

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

GOODFF = stay away it does not work based on old ideas, we have no time for that site = use 3 letter way and loose any credibility in any court case - looser.
= false wins as some creditors look at each case on its merit and if they feel not worth the continuance then they stop collections, the sources on that site try to say it was a win for the 3 letter system, no way stay clear.

Thanks Tech Clerk... this was my thoughts when i came across the site, so thanks for validating my concerns It is a shame though as i see some desperate people on that site getting told to do the letters, but not even understanding them, and then appearing to get into more trouble i will steer well clear, thanks...

[The Tech Clerk]

Re: Let the fun commence - 6 year journey starts here!

Hey guys

Spoke to Stepchange this morning, to discuss closure of my DMP. I am 1 missed payment away from closure, and 'discussion about alternative solutions'. I did mention that i was looking into other solutions myself (didn't divulge too much) and questioned them on unenforceable credit agreements! In his words the SC chap said 'i have not once heard of anyone being successful in the realm of unenforceable credit agreements!' It appears they do everything they can to get you to play along like a good lil' citizen! He says i must contact all my creditors to tell them I will be missing a payment!! errm no, i don't think i'll be doing that! To be fair, he was a very nice chap, and a year ago, he would have convinced me that i should play by the so-called 'rules'!

This just re-enforces my position about DMPs, and how they are not the way forward for me...

Just thought i'd update you all with that

Also, on another note, i was just wondering what other peoples thoughts were about another particular site on the web, which goes down the 3 letter route etc... I am assuming that most of us have come across this other (well known) site when searching for solutions.I don't want to name the site, but I actually found said site before AAD, but i didn't follow the 3 letter process as it just seemed a little 'cringe' to me! Is this something that actually works? One thing it did do though was help me lose the fear, so i thank them for that. Forgive me if i am breaking any site rules here about talking about other site solutions... and feel free to slap me down if so! But it would be interesting to hear others' opinions...

Have a good day all!

Brussel!

GOODFF = stay away it does not work based on old ideas, we have no time for that site = use 3 letter way and loose any credibility in any court case - looser.
= false wins as some creditors look at each case on its merit and if they feel not worth the continuance then they stop collections, the sources on that site try to say it was a win for the 3 letter system, no way stay clear.

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Hey guys

Spoke to Stepchange this morning, to discuss closure of my DMP. I am 1 missed payment away from closure, and 'discussion about alternative solutions'. I did mention that i was looking into other solutions myself (didn't divulge too much) and questioned them on unenforceable credit agreements! In his words the SC chap said 'i have not once heard of anyone being successful in the realm of unenforceable credit agreements!' It appears they do everything they can to get you to play along like a good lil' citizen! He says i must contact all my creditors to tell them I will be missing a payment!! errm no, i don't think i'll be doing that! To be fair, he was a very nice chap, and a year ago, he would have convinced me that i should play by the so-called 'rules'!

This just re-enforces my position about DMPs, and how they are not the way forward for me...

Just thought i'd update you all with that

Also, on another note, i was just wondering what other peoples thoughts were about another particular site on the web, which goes down the 3 letter route etc... I am assuming that most of us have come across this other (well known) site when searching for solutions.I don't want to name the site, but I actually found said site before AAD, but i didn't follow the 3 letter process as it just seemed a little 'cringe' to me! Is this something that actually works? One thing it did do though was help me lose the fear, so i thank them for that. Forgive me if i am breaking any site rules here about talking about other site solutions... and feel free to slap me down if so! But it would be interesting to hear others' opinions...

Have a good day all!

Brussel!

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Sorry guys - phone numbers are gone now. Cost too much and we didn't get enough usage - I cancelled a few months ago when only 17 calls came over last year.

Best to just ignore them. If they get through then there are templates to use to get them to write instead.

** Phone No thread is now removed from forum

Ok, no worries, thanks Niddy

[Never-In-Doubt]

Re: Let the fun commence - 6 year journey starts here!

Sorry guys - phone numbers are gone now. Cost too much and we didn't get enough usage - I cancelled a few months ago when only 17 calls came over last year.

Best to just ignore them. If they get through then there are templates to use to get them to write instead.

** Phone No thread is now removed from forum

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Ignore me, I missed the next page and you already have a reply!!
You do not have to change your home number, you give the DCA or whoever owns the account the number on the thread so they ring there instead of your home Then as far as I know it will just ring out and they get the hint and just write to you

Thanks Susie, I will be using one of the numbers

[Susie]

Re: Let the fun commence - 6 year journey starts here!

Ignore me, I missed the next page and you already have a reply!!
You do not have to change your home number, you give the DCA or whoever owns the account the number on the thread so they ring there instead of your home Then as far as I know it will just ring out and they get the hint and just write to you

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

You don't have to change our number Brussel just send it to them , it's not going to be your real number ,but they won't know that .xx

Ahh i see I'll bear this one in mind then, thanks Nanna. At present i haven't heard from anyone, but i'll expect the calls to start in the next few months.

Thanks

B

[nanna58]

Re: Let the fun commence - 6 year journey starts here!

You don't have to change our number Brussel just send it to them , it's not going to be your real number ,but they won't know that .xx

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Have a look at the change your phone number thread http://forums.all-about-debt.co.uk/s...r-Phone-Number assuming it is still available it will take all the stress away Do your family know about the debt at all? If so you could just say that you are going to be managing it yourself now so any phone calls should not be worried about,? Once you have changed the number, if you get anyone calling the old numbers you can send them the telephone harassment letter which is very good at stopping them

Hi Susie, thanks for the link Unfortunately, i cannot change the home phone number, as it isn't my home! mobile i can just ignore...

They know i have a bit of debt, but not the full enormity of it, and the fact that I have not been paying it. It has taken me years to finally be able to cope with the debts incurred, and I am finally at a stage where I am not as stressed or worried about it anymore. To bring family in on it now will just open up a whole new load of stress i think, as they will not understand. I feel like i can cope alone (with support from you guys of course ) and bringing family in on it now will just bring unnecessary stress upon them. I am mentally ready for these calls, and will be sending letters to them all to cease with the phone-calls. If it was just me being able to answer the phone in the house, then it wouldn't be so bad, but so many calls for me will raise eyebrows I am sure! I will just be hanging up anyhow! I will just put it down to cold callers or the PPI / insurance claim buggers!

There may come a point where i am going to have to reveal all, but for now - rightly or wrongly - i will be going it alone Tomorrow i will be speaking to Stepchange to cancel my DMP!

Thanks

Brussel

[Susie]

Re: Let the fun commence - 6 year journey starts here!

Have a look at the change your phone number thread http://forums.all-about-debt.co.uk/s...r-Phone-Number assuming it is still available it will take all the stress away Do your family know about the debt at all? If so you could just say that you are going to be managing it yourself now so any phone calls should not be worried about,? Once you have changed the number, if you get anyone calling the old numbers you can send them the telephone harassment letter which is very good at stopping them

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Welcome to AAD, you're in very safe hands here, I was with Stepchange on a DMP from 2008 until my last payment in Dec 2013, they were very difficult indeed, after my last payment they wouldn't supply the details of my creditors, in fact some of my balances after paying £300 - £400 per month for 5 years had increased!!!!

I am now over half way into my journey to reach Statue Barred status, I never believed I would get this far, I've had debts written off due to the AAD letters/guidance. Good luck on your journey, we're all with you, I used to panic at first but I know I'm in very safe hands here, so much so I've introduced friends to this site who are also receiving fantastic guidance from the lovely people on here.

Good luck - Julie

Thanks Julie I feel i am ready to ditch Stepchange now...and that is largely due to the info i have read on this site, and from the kind replies of support. The creditors, and DCAs i can deal with, but my only worry is that i haven't told any of my family about this, so when the phone calls come, it could prove to be a little stressful I don't really want anyone else involved...

All the best to you too

[nanna58]

Re: Let the fun commence - 6 year journey starts here!

Thank you Jass , that's a lovely post and yes the team are fantastic , x

[jassasblue]

Re: Let the fun commence - 6 year journey starts here!

Hi guys and gals

After a lot of researching and googling, i have decided to make nest on AAD

I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last year. Now 3 of the larger debts have been sold to DCAs, i have decided to fight back.I didn't pay SC last month, and i had to reduce the payment the month before, so they will no doubt kick me off the DMP for not being a good boy, and paying these DCAs (or vultures!). I have sent off my CCAs to my creditors in mid March, and yet to hear from them. One is a pre 2007 MBNA (formally Virgin) card, now being managed by PRA, so hoping for some unenforceable news on that one!

I lost faith in Stepchange when i questioned them about the legitimacy of the DCAs right on my balances, and asked their advice on whether to send CCAs. They just blew me off,and didn't even want to entertain the idea. The fact i have been paying DCAs for about 6 months irritates me!! after all i have read also...Anyway, i won't rant too much, but will no doubt have more ranting to do at a later date.

It would be interesting to know the views of others on Stepchange... i feel i have wasted a year paying into this DMP!! **kicks self**

Anyway, i will study the 'how to' guide to making a diary, and will be back with my list of debts soon

Thanks

Brussel

Welcome to AAD, you're in very safe hands here, I was with Stepchange on a DMP from 2008 until my last payment in Dec 2013, they were very difficult indeed, after my last payment they wouldn't supply the details of my creditors, in fact some of my balances after paying £300 - £400 per month for 5 years had increased!!!!

I am now over half way into my journey to reach Statue Barred status, I never believed I would get this far, I've had debts written off due to the AAD letters/guidance. Good luck on your journey, we're all with you, I used to panic at first but I know I'm in very safe hands here, so much so I've introduced friends to this site who are also receiving fantastic guidance from the lovely people on here.

Good luck - Julie