Getting myself out of debt

[nightwatch]

Nik Nik

Hello and welcome to AAD can I suggest you start your own thread/Diary. giving as much information about it. so we can help.

https://all-about-debt.co.uk/forum/f...consumer-forum,

click on the red new topic link, and start your thread
have a read of some of the post to get an idea of what info we may need.

[Nik nik]

Hello Di,

I would like to get some help with my debt and don’t know where to post, I subscribed also for AAD+
Please help

[Joanna Connolly Solicitors]

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

.

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


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

Did you get help with your Irresponsible Lending complaint to QQ?

Read this on Debt Camel's website to see if that explains things for you in case they were being dismissive without good reason and you could now refer your complaint to the FOS > https://debtcamel.co.uk/quickquid-payday-loan-refunds/

Di

[The Tech Clerk]

await further letter

[debrag]

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'
May - Received another contact within 14 days or we will assess your account with a view to commencing court proceedings.
May - Received 'urgent response required' email. Alerting me to my account being transferred to Debt Managers Ltd and asking for payment.

Do I again ignore?

[debrag]

save as to going thru all the thread did you as it was suggested in the beginning of your threads:- did you send CCA1974 to the webmaster for checking??

For JD WIlliams? Yes and told unenforceable.

[debrag]

just await their next contact. CCA as 2013 on line was it??


yet above in para 241 you state they have started the procedure and given you 30 does as per PAP. ??? so the recent letter is the usual in department one not knowing what the others are doing = ignore = what is your intention on how you want to deal with this??

Yes it was online

[The Tech Clerk]

save as to going thru all the thread did you as it was suggested in the beginning of your threads:- did you send CCA1974 to the webmaster for checking??

[The Tech Clerk]

just await their next contact. CCA as 2013 on line was it??


yet above in para 241 you state they have started the procedure and given you 30 does as per PAP. ??? so the recent letter is the usual in department one not knowing what the others are doing = ignore = what is your intention on how you want to deal with this??

[debrag]

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'
May - Recieved another contact within 14 days or we will assess your account with a view to commencing court proceedings.

Do I ignore recent letter?

[debrag]

Have you received an actual Claim Form from NCCBC or do you mean the 'Letter of Claim'?

Di

It's a letter of claim, enclosed with a standard financial statement and a 4 page reply form. Section 1 - Do you owe the debt?; Section 2 - How will you pay?; Do you intend to get or are you already getting debt advice? It's headed Moriarty Law and states you have 30 days etc... if you don't, it could result in court proceedings.

Do I ignore this, what would be their next step?

[Joanna Connolly Solicitors]

Do I send back the claim form at the last min?.

Have you received an actual Claim Form from NCCBC or do you mean the 'Letter of Claim'?

Di

[debrag]

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

Di

Yes CCA request gas been sent. Do I send back the claim form at the last min?

I remember a short time back asking for documentation (not via cca request), when they first mentioned Moriarty Law and got a reply - 'Unfortunately, your account has now been transferred to Moriarty Law. You can contact them either by telephone, email or post. Please find below the details you require'.

[The Tech Clerk]

CCA Request send Recorded Delivery keep copy

[Joanna Connolly Solicitors]

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