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  • col81
    replied
    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

    Leave a comment:


  • Joanna Connolly Solicitors
    replied
    Originally posted by col81 View Post
    Debt 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

    Leave a comment:


  • Joanna Connolly Solicitors
    replied
    Originally posted by col81 View Post
    I will be tommorow sending all my paperwork to Diana.
    Which indeed you have done - there's quite a lot of it too

    Di

    Leave a comment:


  • col81
    replied
    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

    Leave a comment:


  • Joanna Connolly Solicitors
    replied
    Originally posted by col81 View Post
    I 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

    Leave a comment:


  • col81
    replied
    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

    Leave a comment:


  • Joanna Connolly Solicitors
    replied
    Originally posted by col81 View Post
    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

    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

    Leave a comment:


  • col81
    replied
    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 - yes
    Last edited by Joanna Connolly Solicitors; 23 November 2020, 12:04. Reason: removed town details to protect your identity

    Leave a comment:


  • The Tech Clerk
    replied
    Originally posted by col81 View Post
    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
    Wescott are only commission agents and keep quite a bit of any payments they get by the way = only acts for an account owner who's too lazy to chase you! by the way

    Leave a comment:


  • col81
    replied
    ok will do thanks

    Leave a comment:


  • col81
    replied
    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

    Leave a comment:


  • The Tech Clerk
    replied
    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
    Snap

    Leave a comment:


  • The Tech Clerk
    replied

    Debt 1 Account
    Credit Card still with/or not
    Commencement date
    Approx balance
    Last payment date
    step change?

    Leave a comment:


  • Joanna Connolly Solicitors
    replied
    Originally posted by col81 View Post
    I 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

    Leave a comment:


  • The Tech Clerk
    replied
    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!

    Leave a comment:

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