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  • Originally posted by debrag View Post
    Debt 4 JD WIlliams
    Opened: June 2013
    Type: Catalogue
    Current Balance: 1740
    Last payment: 1.00 | July 2018
    Last fill payment: December 2017
    Arrangement: DMP till May 2018
    Status: Default 15/11/2018
    Owner: JD Williams
    2018
    March - Payment arrangement confirmation for Payplan's DMP, not longer using them.
    July - Received arrears letter and fact sheet from FCA

    August - Received letter stating they haven't received payment from Payplan etc etc I have an overdue payment of 78.16. Will it carry on like this forever or will they eventually default?
    August - Payplan agreement finally cancelled by JD Williams
    October - Default noticed recieved

    November - Received letter to say JD Williams has sold my debt along with a notice of assignment letter from Debt Managers (Services) LTD who have been sold the debt, they now act as data controller.
    December - new credit report shows default date of 15/11/2018
    December - Letter received from Debt Managers LTD. Outstanding balance of 1742.18. Pay in full or contact for a repayment plan.
    December - Another letter received from Debt Managers LTD. Outstanding balance of 1742.18. Pay in full or contact for a repayment plan.
    Recevied another letter from BD N Brown, looks the same letter as before except it has added:

    " if you ignore...you account will be:
    referred to our solicitors and we will take legal action....
    passed to our external agents who will contact you at your home address"

    Now I don't want someone coming to the house or a court claim. When should I be CCA-ing or send the 'prove it' letter?
    Last edited by debrag; 19th December 2018, 11:59.

    Comment


    • Originally posted by debrag View Post

      Recevied another letter from BD N Brown, looks the same letter as before except it has added:

      " if you ignore...you account will be:
      referred to our solicitors and we will take legal action....
      passed to our external agents who will contact you at your home address"

      Now I don't want someone coming to the house or a court claim. When should I be CCA-ing or send the 'prove it' letter?
      i would send CCA now, just on thing to mention, when they say will contact you at your home address, this may just mean that they phone you,
      You can also add a one liner at the bottom of the CCA to say that you do not give permission for anyone to call at the address mentiond in the letter

      NW XXX
      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

      Comment


      • Originally posted by nightwatch View Post

        i would send CCA now, just on thing to mention, when they say will contact you at your home address, this may just mean that they phone you,
        You can also add a one liner at the bottom of the CCA to say that you do not give permission for anyone to call at the address mentiond in the letter

        NW XXX
        CCA request sent today signed for.

        Comment


        • Originally posted by debrag View Post
          Debt 3 Very
          Opened: December 2016
          Type: Catalogue
          Current Balance: 767
          Last payment: 1.00 | July 2018
          Last fill payment: November 2017
          Arrangement: DMP till May 2018
          Status: Late payment on credit report
          Owner: Very (NCO)
          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
          Another statement received. Been a [6] on my credit report since June, last payment was June also, last full payment was November/December 2017 I think, I just want a default

          Comment


          • Originally posted by debrag View Post
            Debt 4 JD WIlliams
            Opened: June 2013
            Type: Catalogue
            Current Balance: 1740
            Last payment: 1.00 | July 2018
            Last fill payment: December 2017
            Arrangement: DMP till May 2018
            Status: Default 15/11/2018
            Owner: JD Williams
            2018
            March - Payment arrangement confirmation for Payplan's DMP, not longer using them.
            July - Received arrears letter and fact sheet from FCA

            August - Received letter stating they haven't received payment from Payplan etc etc I have an overdue payment of 78.16. Will it carry on like this forever or will they eventually default?
            August - Payplan agreement finally cancelled by JD Williams
            October - Default noticed recieved

            November - Received letter to say JD Williams has sold my debt along with a notice of assignment letter from Debt Managers (Services) LTD who have been sold the debt, they now act as data controller.
            December - new credit report shows default date of 15/11/2018
            December - Letter received from Debt Managers LTD. Outstanding balance of 1742.18. Pay in full or contact for a repayment plan.
            December - Another letter received from Debt Managers LTD. Outstanding balance of 1742.18. Pay in full or contact for a repayment plan.
            Reply received from my CCA request. Account referred back to JD Williams for a copy of my CCA. Fee is no longer needed for this application. Account on hold.

            Comment


            • A new debt has cropped up

              Anytime Fitness gym membership
              Balance - 147.80
              Owner - CCS Collect

              Letter:

              ACT NOW TO AVOID POTENTIAL LEGAL ACTION
              THIS IS A NOTICE OF INTENDED ACTION

              To avoid out client reviewing your account for further recovery action, which includes possible legal action, please call to speak to one of our trained customer advisors

              ---

              Do I need to do anything or just ignore, a CCA request wont work on a gym membership will it?

              Comment


              • Originally posted by debrag View Post
                Debt 1: Natwest Loan 4889 | Being sent to Westcot | Part of DMP | DMP statues of credit report
                Debt 2: Natwest OD 1248 | Being sent to Westcot | Part of DMP | DMP statues of credit report
                Debt 3: Very 767 | NCO dealing | Account still open | Part of DMP
                Debt 4: JD Williams 1740 | Account still open | Part of DMP
                Debt 5: Lloyds cc 457 | Minimum payments
                Debt 6: Marbles cc 656 | minimum payments
                Debt 7: Capital One 103 | minimum payments
                Debt 8: Capital One 167 | minimum payments
                Debt 9: Aqua cc 167 | minimum payments
                Debt 10: Barclaycard 389 | minimum payments
                Debt 11: ARC (David Lloyd) 582 | 1 a month arrangement to pay| Doesn't appear on credit report at all but stopping paying membership July 2016
                Debt 12: Lantern (QQ) 481 | IRL + SAR claim/request sent it | Had originally agreed to 2 a month repayment plan
                Debt 13 Credit Resource Solutions (Trugym) 86 | Sent back to OC | Default on credit report
                Debt 14: Credit Resolution Services (Lending Stream) ? | Sent back to OC | Default on credit report

                Debts 1 to 4 are on a dmp/token payments due to not being able to afford minimum payments
                Debts 5 to 10 I can afford minimum payments and have these paid off next year with a little extra
                Debt 12 Fall of credit report May 2018, they first contacted my in Jan 2018
                Debts 13 to 14 are due to fall of credit report November 2018 & March 2019.

                So whats the next step? Lantern have already sent me all data via the SAR request.
                Update below

                Debt 1: Natwest Loan 4889 | Being sent to Westcot in July | Not heard anything since July | Defaulted in July 2018
                Debt 2: Natwest OD 1248 | Being sent to Westcot in July | Not heard anything since July | Defaulted in July 2018
                Debt 3: Very 767 | NCO dealing | Not heard from NCO since May | No default yet!
                Debt 4: JD Williams 1740 | Dealing with Debt Managers LTD | Awaiting CCA | Defaulted December 2018 | No longer on Noddle or Clearscore reports - due to being sold on?
                Debt 5: Lloyds cc 457 | Minimum payments | continuing to pay
                Debt 6: Marbles cc 656 | minimum payments | Haven't paid in 2 months
                Debt 7: Capital One 103 | minimum payments | Cleared balance
                Debt 8: Capital One 167 | minimum payments | To be repaid in full in Feb 2019
                Debt 9: Aqua cc 167 | minimum payments | To be repaid in full in Feb 2019
                Debt 10: Barclaycard 389 | minimum payments |continuing to pay
                Debt 11: ARC (David Lloyd) 582 | No longer paying the 1 | Not heard from since October 2018 | Major Law Solicitors chasing
                Debt 12: Lantern (QQ) 481 | Not heard anything since August/September 2018
                Debt 13 Credit Resource Solutions (Trugym) 86 | Default on credit report | Not heard anything since November 2018
                Debt 14: Credit Resolution Services (Lending Stream) ? | No longer on any reports | Not heard anything since August 2018


                Comment


                • Originally posted by debrag View Post
                  A new debt has cropped up

                  Anytime Fitness gym membership
                  Balance - 147.80
                  Owner - CCS Collect

                  Letter:

                  ACT NOW TO AVOID POTENTIAL LEGAL ACTION
                  THIS IS A NOTICE OF INTENDED ACTION

                  To avoid out client reviewing your account for further recovery action, which includes possible legal action, please call to speak to one of our trained customer advisors

                  ---

                  Do I need to do anything or just ignore, a CCA request wont work on a gym membership will it?
                  when did you start this membership, what type was it, ie joining fee and pay when you go, or monthly DD membership, did you try canceling membership???
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • Originally posted by nightwatch View Post

                    when did you start this membership, what type was it, ie joining fee and pay when you go, or monthly DD membership, did you try canceling membership???
                    It was a years contract with a monthly DD. I think I cancelled in person, can't remember sorry

                    Comment


                    • Ok when did you start the membership and howlong ago dod you cancel,
                      the problem with Gym membership is that somewhere in the small print it has something that is impossable to get out of, ok so you think you cancelled in person so did you owe this money when you terminated the membership OR was it what was left to pay on it,
                      If you cant remember you could send and say you have no idea what this amount is for and need to see the contract you are supposed to have signed
                      OR
                      You could try a "have you got the right person letter"
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment


                      • Originally posted by nightwatch View Post
                        Ok when did you start the membership and howlong ago dod you cancel,
                        the problem with Gym membership is that somewhere in the small print it has something that is impossable to get out of, ok so you think you cancelled in person so did you owe this money when you terminated the membership OR was it what was left to pay on it,
                        If you cant remember you could send and say you have no idea what this amount is for and need to see the contract you are supposed to have signed
                        OR
                        You could try a "have you got the right person letter"
                        I'm not really disputing that I owe the money just that I can't afford to pay it yet.

                        Comment


                        • Originally posted by debrag View Post

                          I'm not really disputing that I owe the money just that I can't afford to pay it yet.
                          then just write and tell them that.
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

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