Hi Di,
Debt 1
No response no CCA as this is community loan agreement so i have been told. (still paying through stepchange)
Debt 2
No change still paying
Debt 3
CCA on way so i am told but has never turned up. (Stopped paying and took out of stepchange plan to see what happens)
Debt 4
Received CCA (still paying stepchange)
Debt 5
Letter stating they cannot find the CCA so stopped paying and took out of Stepchange)
I haven't had any letters other than the mass i sent to yourself. I have took a gamble and stopped paying 2 of them so lets see what develops.
Thank you
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Originally posted by col81 View PostDebt 1 Account
Loan agreement still with - Warrington Credit Union
Commencement date - 2014
Approx balance - £2390
Last payment date - last month
step change? - yes
Debt 2 Account
Credit Card natwest with - Cabot
Commencement date - 2014
Approx balance - £1265
Last payment date - last month
step change? - yes
Debt 3 Account
Credit Card natwest with - Wescott/Cabot
Commencement date - 2014
Approx balance - £1151
Last payment date - last month
step change? - yes
Debt 4 Account
Credit Card barclays with - PRA
Commencement date - 2014
Approx balance - £390
Last payment date - last month
step change? - yes
Debt 5 Account
Personal loan with Royal Bank Of Scotland with PRA
commencement date - 2014
approx balance - £2200
Last payment - last month
Step change - yes
Last month you sent s77-79 CCA Requests for each of your five debts.
What’s the current situation with the debt owners (such as PRA and Cabot) since any which haven’t complied with your request would make the debt unenforceable until or unless they do comply?
Di
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Originally posted by col81 View PostI will be tommorow sending all my paperwork to Diana.
Di
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I have updated my debts above and added a 5th one from PRA which they have confirmed as unenforceable. I will be tommorow sending all my paperwork to Diana. Thank you for any advice that has been offered
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Originally posted by col81 View PostI will do this over the weekend. Would you suggest cancelling my Stepchange direct debit for the 1st? day after tomorrow it is due?
If your direct debit is due out the day after tomorrow it's possible that their bank has already called for it with your bank; but by the time next month's is due you would have got a better idea of where you stand on the enforceability (or not) of your debts.
Then you can decide whether to pay all, some or none of them yourself.
Di
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I will do this over the weekend. Would you suggest cancelling my Stepchange direct debit for the 1st? day after tomorrow it is due? then will i need pay them all myself?
Thanks
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Originally posted by col81 View PostCabot i have 2 debts with 1 direct with them and one managed by Wescott. I haven't had the CCA off them yet but they have told me they have them and are on way. I have sent them income expenditure etc which shows a £250 PM shortfall and i have offered 10% to settle point blank NO off them i am considering increasing the offer
Perhaps you will reconsider increasing your offer now that we have spoken
Update/edit your post to include the name of the original creditors and other details such as whether something was a loan not a credit card. Also add the date you sent your CCA Request and the response received (or not).
Enjoy your weekend.
Di
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Debt 1 Account
Loan agreement still with - Xxxxxxx Credit Union
Commencement date - 2014
Approx balance - £2390
Last payment date - last month
step change? - yes
Debt 2 Account
Credit Card natwest with - Cabot
Commencement date - 2014
Approx balance - £1265
Last payment date - last month
step change? - yes
Debt 3 Account
Credit Card natwest with - Wescott/Cabot
Commencement date - 2014
Approx balance - £1151
Last payment date - last month
step change? - yes
Debt 4 Account
Credit Card barclays with - PRA
Commencement date - 2014
Approx balance - £390
Last payment date - last month
step change? - yes
Debt 5 Account
Personal loan with Royal Bank Of Scotland with PRA
commencement date - 2014
approx balance - £2200
Last payment - last month
Step change - yesLast edited by Joanna Connolly Solicitors; 23 November 2020, 12:04. Reason: removed town details to protect your identity
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Originally posted by col81 View PostHi, Cabot i have 2 debts with 1 direct with them and one managed by Wescott. I haven't had the CCA off them yet but they have told me they have them and are on way. I have sent them income expenditure etc which shows a £250 PM shortfall and i have offered 10% to settle point blank NO off them i am considering increasing the offer
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Hi, Cabot i have 2 debts with 1 direct with them and one managed by Wescott. I haven't had the CCA off them yet but they have told me they have them and are on way. I have sent them income expenditure etc which shows a £250 PM shortfall and i have offered 10% to settle point blank NO off them i am considering increasing the offer
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Originally posted by Diana Mayhew View Post
Hello
After 5 years in a DMP with StepChange it makes sense to challenge whether these debts are enforceable before you pay them off.
It's a legal argument not a moral argument.
Why don't you make a separate post with the history for each of them on this thread so suggestions can be made on your next steps.
I look forward to helping you.
Di
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Debt 1 Account
Credit Card still with/or not
Commencement date
Approx balance
Last payment date
step change?
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Originally posted by col81 View PostI am in a DMP with Stepchange (5 years old) i owed originally £19000 i now owe £7500. I have asked for CCA on all debts.
. . . Any ideas as to how i can remove or pay offf these debts?
Hello
After 5 years in a DMP with StepChange it makes sense to challenge whether these debts are enforceable before you pay them off.
It's a legal argument not a moral argument.
Why don't you make a separate post with the history for each of them on this thread so suggestions can be made on your next steps.
I look forward to helping you.
Di
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start a diary for each one as it is easier to get the full picture without having to keep reading back? Cabot have I missed something did you get a CCA request off? (just answer yes/no) for now do not send one yet if not!
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