Hi,
I have a debt managemant plan in place through StepChange, I have been trying to complete my review since January but with some of my debts I have hit brick walls.
They either refuse to send any statements of account so i am unable to provide my DMP with up to date figures.
or
They cant tell me who owns my debt.
The second is the one i am most in need of help with.
I had a payday load with PayDay UK and also one with their sister company PayDay Express, I have been trying to get information regarding these two loans and have failed. Initially i received letters from Red Castle stating that the debts were with them but when i have tried to get information about how much is outstanding etc i got told they no longer have the debts and they were sent back to the original creditors. Both creditiors keep fobbing me off saying the loans are with Red Castle.
These loans have been getting paid under my DMP to PD Express and Red Castle yet neither wants to own up to owning the debts or provide requested information.
I am unable to cancel the payments through my DMP as they have said they are unable to once it has been set up.
Can someone please advise where i stand on these loans if no one wants to acknowledge ownership and how i can proceed?
I also have a minicredit/microcredit payday loan that is now with OPOS who refuse to even give me an account number let alone any information on the outstanding balance, which after reading some threads I am currently trying to locate any letters from them to see if i can dispute this with the date of assignment. (If i can disput at all with it being attached to me DMP)
Thanks
I have a debt managemant plan in place through StepChange, I have been trying to complete my review since January but with some of my debts I have hit brick walls.
They either refuse to send any statements of account so i am unable to provide my DMP with up to date figures.
or
They cant tell me who owns my debt.
The second is the one i am most in need of help with.
I had a payday load with PayDay UK and also one with their sister company PayDay Express, I have been trying to get information regarding these two loans and have failed. Initially i received letters from Red Castle stating that the debts were with them but when i have tried to get information about how much is outstanding etc i got told they no longer have the debts and they were sent back to the original creditors. Both creditiors keep fobbing me off saying the loans are with Red Castle.
These loans have been getting paid under my DMP to PD Express and Red Castle yet neither wants to own up to owning the debts or provide requested information.
I am unable to cancel the payments through my DMP as they have said they are unable to once it has been set up.
Can someone please advise where i stand on these loans if no one wants to acknowledge ownership and how i can proceed?
I also have a minicredit/microcredit payday loan that is now with OPOS who refuse to even give me an account number let alone any information on the outstanding balance, which after reading some threads I am currently trying to locate any letters from them to see if i can dispute this with the date of assignment. (If i can disput at all with it being attached to me DMP)
Thanks
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