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  • 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 / 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
    Another overdue payment letter received - ignored

    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
      May - CCA request sent to Lantern and coy to Moriarty Law
      June - Received copy of cca from Lantern + final demand letter from Moriarty Law
      June - Letter received from Moriarty Law requesting my cca from their client. Account on hold & collection activity suspended
      Letter received in reply to the copy of the cca request I sent to Lantern. They have referred it to their clients. 1 payment is not needed.

      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
        May - CCA request sent to Lantern and coy to Moriarty Law
        June - Received copy of cca from Lantern + final demand letter from Moriarty Law
        June - Letter received from Moriarty Law requesting my cca from their client. Account on hold & collection activity suspended

        June - Received statement of account, assignment letter (not letter headed paper) and cca. Cover letter mentions that they have confirmed the bank details to where the loan went?? I am to discuss payment within 30 days,
        Does this mean they have to send a new letter of claim. I'm all ready to send them my DMP information should I just do that?

        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
          May - CCA request sent to Lantern and coy to Moriarty Law
          June - Received copy of cca from Lantern + final demand letter from Moriarty Law
          June - Letter received from Moriarty Law requesting my cca from their client. Account on hold & collection activity suspended

          June - Received statement of account, assignment letter (not letter headed paper) and cca. Cover letter mentions that they have confirmed the bank details to where the loan went?? I am to discuss payment within 30 days,


          If you've been sent a credit agreement you need to email it to Niddy for an opinion of whether it's enforceable or not using webmaster@all-about-debt.co.uk

          I notice you don't say they've produced a Default Notice. Have they?

          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



            If you've been sent a credit agreement you need to email it to Niddy for an opinion of whether it's enforceable or not using webmaster@all-about-debt.co.uk

            I notice you don't say they've produced a Default Notice. Have they?

            Di
            It's the same CCA that I have been sent from Lantern & QQ already which Niddy has seen and says is enforceable.

            Comment


            • Originally posted by debrag View Post

              It's the same CCA that I have been sent from Lantern & QQ already which Niddy has seen and says is enforceable.


              Can you also answer my previous question about any Default Notice please.


              Originally posted by Diana Mayhew View Post


              I notice you don't say they've produced a Default Notice. Have they?

              Di

              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



                Can you also answer my previous question about any Default Notice please.





                Di
                I don't have a DN either via post or email, though the SAR from QQ produced a csv file detailing emails, one states they have sent one out.

                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 / 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 recieved
                  Receiving multiple texts asking to contact them urgently, also recieved an 20% off offer letter, everything ignored.

                  Comment


                  • Originally posted by debrag View Post

                    Receiving multiple texts asking to contact them urgently

                    (Re Debt 3 Very)

                    I've looked at the history and can see that you've not yet sent a s77/79 CCA Request to anyone, so if the relentless calls and texts become upsetting you can send a request to Lowell which should quieten things.

                    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 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 / 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.
                      Received a 1 page pre-legal assessment letter. Says they will use information contained within my credit file to understand my financial situation to decide what action to take next. Do I need to do anything? Think I will send a CCA request.

                      Comment


                      • see what they send next? do not panic, could send CCA request as Di stated
                        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


                        • they are using the "assesment" to get you to contact them, your credit file May or may not be useful to them, it will say who you are, so they know you live there,
                          Hold off for now, if they decide to go further they must send you a formal pre legal assesment letter, which is about 5 pages and gives tick box options, with 30 days to reply. you can send a CCA then.
                          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
                            Received a 1 page pre-legal assessment letter. Says they will use information contained within my credit file to understand my financial situation to decide what action to take next. Do I need to do anything? Think I will send a CCA request.

                            I would send Lowell a s77/79 CCA Request before things escalate.

                            Once lawyers get involved (i.e. Lowell Solicitors) it may be harder to stop the legal juggernaut.

                            Why not nip it in the bud now since Lowell may struggle to produce a compliant catalogue credit agreement.

                            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

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