DMP mutual support thread part 13 !!

sourcrates

Hi carboot,

I would push them to confirm what you have asked them, just to be on the safe side.

clausentum

I think I'm doing something wrong on this thread (not very tech savvy) as no one seems to respond to my posts... should I be starting my own thread or something?

angelicairene

Hello, couple of years ago I sent a CCA request, PRA Group couldn't find my credit agreement and my account with them was frozen, few few weeks ago they started to phone me again as they apparently located the agreement. What should I do now? Should I sent another CCA to them, start paying or offer them 10%?

Suseka97

clausentum wrote: »

I think I'm doing something wrong on this thread (not very tech savvy) as no one seems to respond to my posts... should I be starting my own thread or something?

Hi there. I think I did post on an earlier thread (not the one you're referring to), but things move at a pace sometimes on this forum and posts can get overlooked.

Anyhoo....I don't know very much about Tax and NI matters, but glad that the HMRC are working with you/your hubby and giving you time to repay in instalments. I would see that as an additional expense that you would need to include in your I&E, but maybe worth having a chat with someone at StepChange who can help you with the process.

Suseka97

angelicairene wrote: »

Hello, couple of years ago I sent a CCA request, PRA Group couldn't find my credit agreement and my account with them was frozen, few few weeks ago they started to phone me again as they apparently located the agreement. What should I do now? Should I sent another CCA to them, start paying or offer them 10%?

The first thing you should be doing is asking them to provide said agreement if they can prove the debt is now enforceable then you could try an offer -but I rather doubt they'll accept 10% straight off the bat. Depending on the amount, you will probably have to barter a little. There is an F&F settlement thread on this forum, so you could pose the question there as well, but get the documentation first and also get it checked out with someone who knows what to look for. I've used the All About Debt forum for that in the past and they are very helpful folks over there.

Suseka97

Harveyhelp wrote: »

Advice please
I had a loan with Ferratum (pay day) which was capped at £1300 interest all in (original loan £800) 3 weeks after taking it out after a sudden loss in the family I knew my situation had got worse and entered a DMP with step change. I was told by Ferratum in sept (by text) that my debt had been transfered to DRS but when I rang them they had no account of it so I called Ferratum and they told me to keep paying as normal which I have done.
Friday I received a letter from DRS (the first ever one) saying Id not made any payments and my debt is in excess of £1400. Ive payed over £250 to Ferratum since starting my DMP. I now have no idea what I owe. Ive never received a statement from Ferratum or DRS and while DRS have agrees to freeze the account for 30 days so it can be transfered to step change they are adamant I owe the full £1400 as that’s what Ferratum has passed them Any idea where I can go from here please? Lost

I think your best bet is to go back to Ferratum and get them to provide you with a statement showing the original balance and payments made. You should also have been provided with paperwork about the transfer/assignment of your debt to DRS - so pursue them for that as well. Then you can go back to DRS with your evidence and proof of the debt outstanding and go from there. You could of course insist that they (DRS) provide written proof of the debt transfer and balance.

Sylvester6

So today we've had another letter from PRA, this time about my Hubby's account. They have provided the exact same paperwork as they did for mine but his covering letter said his debt remained unenforceable. Not sure what to think now. Both accounts were taken out online and the signature tock box is ticked. Has anyone come across this before? Not sure whether the incorrect covering letter has been sent or what! Thanks

Suseka97

Sylvester6 wrote: »

So today we've had another letter from PRA, this time about my Hubby's account. They have provided the exact same paperwork as they did for mine but his covering letter said his debt remained unenforceable. Not sure what to think now. Both accounts were taken out online and the signature tock box is ticked. Has anyone come across this before? Not sure whether the incorrect covering letter has been sent or what! Thanks

If you want to be really sure about your position regarding UEs you should go over to the All About Debt Forum. They have solicitors and other very knowledgeable folks who can confirm one way or another.

Ethel_and_Ernest

Hello you lovely lot!

Today I received a letter asking me to repay my overdraft as my old bank are closing all of our (unused) accounts. When we made the decision to enter a DMP and switched banks, I 'tidied up' and ensured that the overdraft was clear. Therefore this account is at zero, has been since 22nd October, and has not been used since

The bank are asking me to pay £48.56 comprising of £42.56 overdraft interest accrued but not yet applied and an additional £6 charge. The OD charges for that account are £6 flat rate on OD balances up to £100. This was never exceeded and I have no idea what this amount is for.

I've been online, while I still have access, and have downloaded a PDF showing account activity from 1st October until today. This still shows a zero balance as of 22nd October when the last charge was taken. Am I correct in saying that any amount owed should be reflected in the most current statement?

I'm keen to keep everything in writing but welcome any advice regarding what to say.

Thanks,
Ethel x

Sylvester6

Thanks Suseka, I'll have a good look on their website.

I have just received a letter from 2 more accounts; one is enforceable but the other they have said they can't provide the paperwork so are not pursuing the debt at this time and the balance is £0 from £4200. Does this mean I just don't pay them? Don't want be too optimistic in case they find the paperwork. Thank you