We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
CCA requests & DMP - help needed!!!
njc12
Posts: 130 Forumite
Hi - I posted this last night but I'm not sure if anyone saw it as it was on the end of another thread.
I requested my CCAs out of interest. All of them have come back except for one - from the Co-op bank which took over northern rock's credit card business about 5 yrs ago. They have sent me two holding letters. I am 99% certain the more I think about it that they haven't got our cca agreement because a few years ago when I needed them to find a missing payment that I had made prior to them taking over, they couldn't find it due to not having access to previous records from NR. They ended up having to put an ex-gratia payment on my account for this amount.
So far so good - but where do I stand when it comes to disputing the debt as we have a DMP? Co-op are the only one of our creditors not to put our interest to 0%
Has anyone disputed a debt whilst on a DMP?
Thank you!
njc12 xx
I requested my CCAs out of interest. All of them have come back except for one - from the Co-op bank which took over northern rock's credit card business about 5 yrs ago. They have sent me two holding letters. I am 99% certain the more I think about it that they haven't got our cca agreement because a few years ago when I needed them to find a missing payment that I had made prior to them taking over, they couldn't find it due to not having access to previous records from NR. They ended up having to put an ex-gratia payment on my account for this amount.
So far so good - but where do I stand when it comes to disputing the debt as we have a DMP? Co-op are the only one of our creditors not to put our interest to 0%
Has anyone disputed a debt whilst on a DMP?
Thank you!
njc12 xx
0
Comments
-
i'm sorry i can't help but you were about to slip down again so i'm just bumping you up to see if anyone can help0
-
Thanks jacs!!!0
-
try the dmp support thread they may have the answer0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.5K Banking & Borrowing
- 253.7K Reduce Debt & Boost Income
- 454.5K Spending & Discounts
- 245.5K Work, Benefits & Business
- 601.4K Mortgages, Homes & Bills
- 177.6K Life & Family
- 259.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards