Partners Debts

[brobbo1989]

Hi there, new to this forum, Hi :-)
Im in the process of trying to sorting my partners financial situation for the better.

She is in a debt management plan with payplan but the balances seem to be going up instead of down so im stepping in to help if i can.

There are 3 defaulted accounts on her credit file,one i had removed 2 years ago with a cca request with an F&F for 10% with hoist,
im in the process of sending CCA requests for the others, is it a good idea to hit one at a time or go for all at once?

her three accounts are:

Hoist £1154 (Sent CCA Request)
Link £749
Lowell £2491
Hoist (next) Recorded as Partially Settled on credit file with £0 balance

I have sent the CCA request to Hoist/Robinson way on 18/11/2019 so has been 28 days, they have also cashed my £1 cheque but recieved now reply at all.
what happens next?

all help is greatly appreciated

Brad

[brobbo1989]

we have just had a reply back from robinson way (Hoist), sent the CCA request on 18/11/19 i got a reply 20/2/20
i have attached this. what happens next?

[MIKE770]

very good now tell us what it is all about? have they issued a court summons (N1) yet?? then if not on hold is ok BUT if court papers issued they could not put on hold!!! info:- last payment. default date taken out etc etc default notice received???

[brobbo1989]

very good now tell us what it is all about? have they issued a court summons (N1) yet?? then if not on hold is ok BUT if court papers issued they could not put on hold!!! info:- last payment. default date taken out etc etc default notice received???

Hi mike, No court summons, the account is currently in a payment arrangement with payplan with the other accounts above paying circa £5 monthly, default was listed in 2016 from what i can tell from the credit report.

This was all done before my time.

[MIKE770]

no claim yet OK their move next as CCA outstanding!

[MIKE770]

could meantime tell Peeps here what each debt was when took out default date CCA request>>> etc etc etc

[brobbo1989]

could meantime tell Peeps here what each debt was when took out default date CCA request>>> etc etc etc

The Robinson way debt is the only one ive sent for a cca request as i didn't want to get too deep so to speak

[brobbo1989]

Hoist £1154 (Sent CCA Request) NewDay (formerly SAV Credit)
Link £749) This for some reason is now £1104 and transferred to westcot credit services.
Lowell £2491 Littlewoods catalogue

i think they all defaulted around 2014/15, been making small payments via payplan, but the debt is just rising up.

i would like to get into a position where we can get to a F&F stage an get them gone

[brendamage]

Great share

[brobbo1989]

Evening all, FINALLY had a reply back from robinson way.
Getting mixed messages from it, one of them is they can't do anything about it and the other one is they are going to come asking for it.
what situation does this leave her?

[MIKE770]

they have a problem until if ever they comply with enforceable documents but are asking you to give them money inn lieu if they supply later then look again at next stage?

[brobbo1989]

they have a problem until if ever they comply with enforceable documents but are asking you to give them money inn lieu if they supply later then look again at next stage?

Would I be able to offer an F&F settlement now?

[MIKE770]

do not rush see what they come back with? pay them if they are not entitled that is what they want, get evidence off them 1st before considering

[brobbo1989]

Do you think they will send another letter if I don’t reply to this one?*

[MIKE770]

Probably see what it contains there are.* A series of template letters. Report next move here