Announcement

Collapse
No announcement yet.

Getting myself out of debt

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Originally posted by Diana Mayhew View Post


    Yes, plenty

    Can you guide me to the post on your Diary which list the history of this NatWest debt before I can make any helpful suggestions as to your next steps (if any)?

    Di
    Post's 3+4, can't multi quote sorry

    Comment


    • I can't multi quote either, just copy and paste xx

      post 3
      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



      Last edited by debrag; 12th September 2018, 20:43.

      post 4 Debt 2 Natwest OD
      Opened: January 2016
      Type: OD
      Current Balance: 1248
      Last payment: 1.00 | July 2018
      Last fill payment: n/a
      Arrangement: DMP till May 2018
      Status: Default 31/10/2018
      2018
      March - Collections letter, i+e attached, ignored
      April - closing of accounts letter, payment proposal form attached, ignored
      June - Closing of OD facility letter
      June - Notice of arrears in compliance with CCA 1974
      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 - loan interest has been paid off the OD, balance is now 799



      Last edited by debrag; 1st December 2018, 18:19.
      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 debrag View Post
        Debt 12 QQ
        Opened: January 2012
        Type: PDL
        Current Balance: 481
        Last payment: 1.00 | February 2016
        Last fill payment: 110 | February 2012
        Arrangement: None
        Status: Default | off credit report
        Owner: Lantern
        Fell of credit report May 2018, MMF/Lantern send email January 2018, payment set up for 2 a month, last payment June 2018, SAR letter sent, received all documentation including a breakdown and CCA. Full payment was 722 as stated in the CCA but on account info in SAR letter interest is 590, so that's 368 in extra charges . Have paid Lantern 8.

        2012
        Email tennis - notice of overdue payment, payment plan offer, unable to afford payments
        Email - notice of formal complaint, payment plan offered by QQ, ignored
        Email - debt referral - ARC


        2015
        Back to QQ
        Balance recieved via email - balance 695, 170 received from ARC - 499 in default
        Overdue payment emails


        2016
        Overdue payment emails
        Loan balance requested - nothing received


        2017
        Overdue payment emails - only 2 this time
        Notice of sale


        2018
        Notice of assignment - MMF
        Repayment plan confirmation
        Fell off credit report

        SAR sent + documents received
        Repayment plan closed by me
        August - Received response about my irresponsible lending claim and it was too long ago now.
        September - starting to receive calls, no letters or emails

        2019
        April - Received letter/email for an outstanding balance of 481.16. Subject 'we're about to take action, contact us today'.
        April - Received letter via email '
        we will now instruct our solicitors to commence recovery action...f we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law Limited.'
        So it;s been over 7 days and nothing as yet.

        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.


          2019
          January - 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.
          April - CCA received. No signature or x appears.
          May - Received 'we may consider taking action letter'
          5th May received a 'please contact us within 14 days...we will consider taking legal action..."

          Comment


          • Hi debrag,

            sorry I can't help with PDL's coz I Know nothing. but I have found this website to be quite helpfull.

            https://debtcamel.co.uk

            hope it is of some help

            Nightwatch
            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 debrag View Post
              Debt 12 QQ
              Opened: January 2012
              Type: PDL
              Current Balance: 481
              Last payment: 1.00 | February 2016
              Last fill payment: 110 | February 2012
              Arrangement: None
              Status: Default | off credit report
              Owner: Lantern
              Fell of credit report May 2018, MMF/Lantern send email January 2018, payment set up for 2 a month, last payment June 2018, SAR letter sent, received all documentation including a breakdown and CCA. Full payment was 722 as stated in the CCA but on account info in SAR letter interest is 590, so that's 368 in extra charges . Have paid Lantern 8.

              2012
              Email tennis - notice of overdue payment, payment plan offer, unable to afford payments
              Email - notice of formal complaint, payment plan offered by QQ, ignored
              Email - debt referral - ARC


              2015
              Back to QQ
              Balance recieved via email - balance 695, 170 received from ARC - 499 in default
              Overdue payment emails


              2016
              Overdue payment emails
              Loan balance requested - nothing received


              2017
              Overdue payment emails - only 2 this time
              Notice of sale


              2018
              Notice of assignment - MMF
              Repayment plan confirmation
              Fell off credit report

              SAR sent + documents received
              Repayment plan closed by me
              August - Received response about my irresponsible lending claim and it was too long ago now.
              September - starting to receive calls, no letters or emails

              2019
              April - Received letter/email for an outstanding balance of 481.16. Subject 'we're about to take action, contact us today'.
              April - Received letter via email '
              we will now instruct our solicitors to commence recovery action...f we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law Limited.'
              May - Received Letter of Claim from Moriarty Law giving me 30 days to return the form
              So what should I do now? Should I tick box D 'I dispute the debt' and box I 'I need more documents'. I've never done a cca request only a SAR. The CCA's I have (5) are all in html format.
              Last edited by debrag; 21st May 2019, 07:55.

              Comment


              • I suggest you have a word with Di , all cases are different.
                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


                • As NW has suggested message Di; the way that you reply to one of these can be important in how you deal with any claim that may follow.
                  di@joannaconnollysolicitors.co.uk
                  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 debrag View Post
                    So what should I do now?

                    . . . . . I've never done a cca request only a SAR.

                    I would immediately send a s77/78 CCA Request by Royal Mail Recorded Delivery including the 1 statutory fee.

                    You should send it to Lantern (formerly know as MMF) and also send a copy of your request to Moriarty Law.

                    What is the date on that 'Letter of Claim' from Moriarty Law?

                    Di
                    Legal Disclaimer

                    I am a Litigation Executive at
                    Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • Originally posted by Diana Mayhew View Post


                      I would immediately send a s77/78 CCA Request by Royal Mail Recorded Delivery including the 1 statutory fee.

                      You should send it to Lantern (formerly know as MMF) and also send a copy of your request to Moriarty Law.

                      What is the date on that 'Letter of Claim' from Moriarty Law?

                      Di
                      It's dated 15th May.

                      Comment


                      • Originally posted by Diana Mayhew View Post

                        I would immediately send a s77/78 CCA Request by Royal Mail Recorded Delivery including the 1 statutory fee.

                        You should send it to Lantern (formerly know as MMF) and also send a copy of your request to Moriarty Law.

                        Did you also see what I said in this post because it's important and could help you

                        Di
                        Legal Disclaimer

                        I am a Litigation Executive at
                        Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment


                        • CCA Request send Recorded Delivery keep copy
                          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

                          Who's Viewing Thread: 1 (0 members and 1 guests)
                          Working...
                          X