Newbie! Need help DMP since 2014 requesting CCA

[Brad66100]

Hello everyone ! Right before I will do a diary I have 8 debts all in DMP owing approx 7250 in total with SC, I’m desperate to get a mortgage in the next few years.. 6 of the creditors have dropped off my credit report ( 4 are PRA) Lowel & Wescot. Only have Arrow/ Global which mentions DMP program on file and a default with LiNk which drops off next June 21. Just out out curiosity if I were to go down the CCA route would PRA / Lowell / Wescot be able to report anything on my credit file even though they have dropped off? Some have been passed onto at least 2 DRAs over the years so I assume they won’t have the original CCA. Just scared to go back after my report is started to look good ok?
any suggestions would be apppreaciated ??

[nightwatch]

Hiya, welcome aboard.
If the debts were defaulted and registered as such with the CRA's, then after 6 years (5 scotland) they will fall off your file, even if you have not cleared the debt. they cannot be defaulted or reported as defaulted again on the file's.
You will need to do a diary and give more information for us to advise on the Arrow one.

[Brad66100]

Account type : Natwest Loan
Current DCA : PRA
Date of Default: 08/2014
Opened : Jan 2012
Balance £1192
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £48.97 for this one also has dropped off my credit file

Sending off CCA this week.

CCA Sent signed for 22/06/2020

[Brad66100]

Account type : Natwest Loan
Current DCA : PRA
Date of Default: 08/2014
Opened : Aug 2012
Balance £1179
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £18.23 for this one also has dropped off my credit file

Sending off CCA this week.

22/06/2020 - CCA sent signed for

[Brad66100]

Account type : Natwest Loan
Current DCA : PRA
Date of Default: 08/2014
Opened : DEC 2012
Balance £520
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £7.24 for this one also has dropped off my credit file

Sending off CCA this week.

22/06/2020 - CCA sent signed for

[Brad66100]

Account type : Natwest Overdraft
Current DCA : PRA
Date of Default: 08/2014
Opened : Aug 2012
Balance £249
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £7.69 for this one also has dropped off my credit file

what do i do regarding overdraft and cca? as what I can gather you cant send a CCA for an over draft?

[Brad66100]

Account type : Mail Order Very
Current DCA : Arrow Global Limited
Date of Default: not showing as a default on file 'Debt managment Program' has been since 09/2014
Opened : may 2013
Balance £805
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £10.98 for this one.
?
do i send off CCA for this as im wary about my credit report as its starting to look alot better? i am happy to pay this one off if it gets it off my report?

[Brad66100]

Account type : barclaycard
Current DCA : Link Financial outsourcing limited
Date of Default: 06/2015
Opened : oct 2012
Balance £952
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £9.88 due to drop off credit report june 2021

Will send CCA this week.

[Brad66100]

Account type : Capitol One CC
Current DCA : Lowell Portfolio
Date of Default: 08/2014
Opened : 2012
Balance £1171
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £13.18 this one has dropped off my credit report

will send CCA this week

22/06/2020 - CCA req sent signed for

[Brad66100]

Account type : natwest cc / previously defaulted with cabot financial europe then passed to wescot
Current DCA : wescot
Date of Default: 08/2014
Opened : 2012
Balance £1230
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £13.83 this one has dropped off my credit report

will send CCA this week

22/06/2020- CCA Req sent signed for

[Brad66100]

have I done this right? nightwatch

letters typed up wil be in the post just querying the global arrow one though? thankyou

[Joanna Connolly Solicitors]

have I done this right? )

Yes.

I’ll take a peek at each of your posts tomorrow before making my suggestions as to the way forward.

Di

[Brad66100]

Thanks Di speak soon

[Brad66100]

CCA Request letters sent to wescot, lowell & PRA - awaiting best way to tackle Global Arrow & Link because of credit report? ty

[Moonmonkey]

Account type : Mail Order Very
Current DCA : Arrow Global Limited
Date of Default: not showing as a default on file 'Debt managment Program' has been since 09/2014
Opened : may 2013
Balance £805
Date of last full payment – early 2014?
Currently in DMP with SC since 09/2014 paying £10.98 for this one.
?
do i send off CCA for this as im wary about my credit report as its starting to look alot better? i am happy to pay this one off if it gets it off my report?

I wouldn't pay anything - i would stop paying SC and self manage the debts but not pay until they all come back with a valid CCA. For this one i would complain to very and ask them to add a default back to the start of your plan - welcome - i'm sure the experts will be along soon to put me straight. Get used to terms like "never speak to them", "sit on your hands", and "silence is golden" - good luck