GDPR Cookie Consent by SimpleServe Privacy Script Newbie! Need help DMP since 2014 requesting CCA - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Newbie! Need help DMP since 2014 requesting CCA

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • Newbie! Need help DMP since 2014 requesting CCA

    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 ??

  • #2
    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.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment


    • #3
      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
      Last edited by Brad66100; 22 June 2020, 13:44.

      Comment


      • #4
        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
        Last edited by Brad66100; 22 June 2020, 13:44.

        Comment


        • #5
          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
          Last edited by Brad66100; 22 June 2020, 13:45.

          Comment


          • #6
            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?

            Comment


            • #7
              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?
              Last edited by Brad66100; 19 June 2020, 17:22.

              Comment


              • #8
                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.
                Last edited by Brad66100; 19 June 2020, 18:32.

                Comment


                • #9
                  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
                  Last edited by Brad66100; 22 June 2020, 13:45.

                  Comment


                  • #10

                    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
                    Last edited by Brad66100; 22 June 2020, 13:46.

                    Comment


                    • #11
                      have I done this right? nightwatch

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

                      Comment


                      • #12
                        Originally posted by Brad66100 View Post
                        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

                        Legal Disclaimer

                        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment


                        • #13
                          Thanks Di speak soon

                          Comment


                          • #14
                            CCA Request letters sent to wescot, lowell & PRA - awaiting best way to tackle Global Arrow & Link because of credit report? ty

                            Comment


                            • #15
                              Originally posted by Brad66100 View Post
                              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

                              Comment

                              Working...
                              X