Getting myself out of debt

[Joanna Connolly Solicitors]

Any suggestions on what I should do?. Just ignore til I receive letters from Zinc?

Yes, my suggestion is you can ignore that NatWest letter (all seven of them!).

Wait until Zinc write to you.

Hopefully NatWest will assign this account to a debt purchaser soon, possibly after another three months of writing because that'll be two years since your last payment to them, assuming I've got the dates right from your thread post.

Di

[debrag]

Debt 1 Natwest Loan

Opened:	August 2016
Type:	Loan
Current Balance:	£4889
Last payment:	£1.00 | June 2018
Last fill payment:	December 2017
Arrangement:	DMP till May 2018
Status:	Defaulted August 2018

2018
March - Collections letter, i+e attached, ignored
April - closing of accounts letter, payment proposal form attached, ignored
May - Formal notice of intention to file a default
June - Notice of arrears in compliance with CCA 1974
June - Notice of refund of interest (£468
June - You have fail to comply letter received
July - changes to ongoing management of repayment plan, partnered with Wescot, in touch within 14 days to management provider (no longer with them)
August - yearly statement received
September - credit report updated and loan is closed. Account defaulted August 2018

2019
August - Letter received from AIC they are now managing my account on Natwest's behalf

2020
January - Letter received from NatWest to say the collection agent they are now using is Zinc as their previous ones (I assume AIC) couldn't come to a suitable arrangement. I have been sent the same letter for all my 7 accounts! None are active, most were savings accounts and only 3 are on my credit report.

Any suggestions on what I should do?. Just ignore til I receive letters from Zinc?

[The Tech Clerk]

Have you spoken to Diana Mayhew ? as you have a N 1?? for up date [possible info

[debrag]

they will contact when your case comes up on the pile

Hopefully not for a while then I have 155 so far towards the payment if/when needed.

[The Tech Clerk]

they will contact when your case comes up on the pile

[debrag]

Should I Have heard about mediation by now?

[The Tech Clerk]

you mean negotiate a Tomlin Order? you need to get advise on that sure somebody will advise here??

[debrag]

If you get a CCJ you have 30 days to pay it off so that it doesn’t appear on your record. You can also apply to the court to pay by instalments.

I'd need to pay it off in full if it gets to a CCJ so it doesn't go on my file. Was thinking I may get away with instalments and no CCJ through mediation.

[cymruambyth]

If you get a CCJ you have 30 days to pay it off so that it doesn’t appear on your record. You can also apply to the court to pay by instalments.

[debrag]

Have you filed your Directions Questionnaire at court to avoid getting your Defence struck out?

Did you tick 'Yes' to Mediation ?

Di

Yes that has been sent. How long before I hear anything? If it goes against me how long do I have till I have to pay and will it be in one full payment?

[Joanna Connolly Solicitors]

The most important thing at this moment in time is to respond to the Directions Questionnaire by the court's deadline so that your Defence is not struck out meaning you will get a CCJ.

Tick 'Yes' to mediation. If it fails the legal juggernaut will continue.

Send your DQ response to NCCBC.

Di

Have you filed your Directions Questionnaire at court to avoid getting your Defence struck out?

Did you tick 'Yes' to Mediation ?

Di

[The Tech Clerk]

Send to webmaster@all-about-debt.co.uk. For checking refer this thread

[debrag]

Debt 3 Very

Opened:	December 2016
Type:	Catalogue
Current Balance:	£767
Last payment:	£1.00 | July 2018
Last fill payment:	November 2017
Arrangement:	DMP / Not paying May 2018
Status:	Late payment / Default 02/19
Owner:	Very (NCO) / Lowell

2017
December - NCO letter, 'we are acting on behalf of Shop Direct'

2018
January - Very statement
March - NCO letter, Notice of Sums of Arrears under CCA 1974
March - NCO letter, Total outstanding letter
March - NCO letter, Confirmation of the following payment arrangement (£1)
May - NCO letter - Concerns regarding overdue account
June - Very statement
July - Statement received along with arrears letter and fact sheet
September - Credit limit has been reduced to £850.
October - Received secure letter via email / message on account letting me know 'we appear to have not received your most recent payment' and that I have £401.13 in arrears
November - Received secure letter via email / message on account letting me know 'we appear to have not received your most recent payment', overdue payment is for £426.80.
December - Received secure letter via email ;The Customer Arrears Support Team need to speak to you, please get in touch.' Overdue amount of £450.67.
December - Received secure 'please contact us' letter. 'You are seriously in arrears'.
January - Received statement. Balance £767.73, min payment £493.50, arrears £472.87

2019
January - Default notice received. In breach of arrears of £472.87 to be paid before 30th Jan 2019. Further enforcement action to be taken if not paid. Full balance is £767.73.
Februrary - Welcome letter received from Lowell, along with assignment letter from Very/.Shop direct
May - Received 'your payment is overdue' letter
June - Received a 20% discount offer.
July - Received an overdue payment letter
July - Another 20% off settlement letter received
August - Pre-legal assessment letter and annual statement received.
August - 2nd pre-legal assessment letter
August - Sent CCA request letter
August - Receive a £50 cheque for my complaint ??
October - Received CCA in the post

CCA finally received. Account on hold til 21/11/2019

[debrag]

No didn't do meditation. Nothing to mediate.

Assignment and Default Notices by email aren't acceptable. Out of interest who is your notice from? The lender or Lantern? Have you admitted in your defence you've received the assignment?

I'll post up the relevant legalese with these two points later.

My NoA was from MMF (now Lantern) and as sent via email, received a copy of it via post through SAR requests

[cymruambyth]

Just make sure that you reply to any email from Di as this will ensure that you get the best possible advice.