Getting myself out of debt

[debrag]

So I currently have 1 closed default (drops off next year) 3 new open defaults and 2 late payments (cashplus + very). Looking like I shall be stopping payments to Capital One (x2), Marbles and Aqua and defaulting with them. Thinking of just going down the DMP route. Keeping Lloyds cc + Barclaycard open.

Is 9 defaults going to be excessive lol Anyone have run ins with any of the above?

[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:	Late payment on credit report
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.

Default added to credit report 15/11/2018 balance £0 - been sold on.

[debrag]

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:	Up to date on credit report

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

Default added to credit report 31/10/2018 for £776

[The Tech Clerk]

might try Mercury next?

[debrag]

Debt 13 Trugym

Opened:	August 2012
Current Balance:	£86
Last payment:	November 2015
Last fill payment:	March 2013 maybe
Arrangement:	None
Status:	Default | March 2013
Owner:	Credit Resolution Services

2014

January - Email from Zinc "we have been instructed by our client to assist you with the resolution of your account."
March - Missed payment
April - Missed payment
June - balance update by email - £162
July - Settlement offer email - £114.33
July - Payment reminder email x 2

2015

September - Arrears email, balance now £52.44
September - Settlement offer via email £39.33
September - email regarding settlement offer
October - Missed payment email, appear I was paying till May 2015
October - Payment reminder, £2.44
November - Trying to make contact email x 2, balance now £50, did I pay the £2.44??
December - We have not received a response email x 3

2016

January - We have not received a response email x 3
Contact from CRS

2017

June - Letter received stating account sent back to CRS
July - email received:

I would first like to explain that The Zinc Group are a third party organisation working under the instruction of our clients to assist their customers.

The Zinc Group are provided limited data and are considered only to be processors, however Credit Resolution Services (CRS) remain the controllers of the data associated with your account.

In light of this, CRS have requested that you contact them directly should you wish to submit a Data Subject Access Request. You can contact them, stating the reason for your DSAR, including your account details at subjectaccessrequest@harlandsgroup.co.uk

I can confirm your account was returned to our client in March 2016. As The Zinc Group are no longer the managing agents of your account, you have not and will not receive further contact from us with regards to this matter.

August - SAR received today. Last payment made November 2015 so SB November 2021! Very detailed SAR with screen shoots of all databases, they don't have an up to date landline though Looks like it went to 'doorstep' status at an old address lol Awaiting their next move

September - Received possible legal action letter
September - Received email saying they will accept me paying by bank transfer. Maybe I should pay them £0.01 a month lol
October - Letter received say account will be passed on to Zinc if I don't reply within 10 days
November - Email received to say I have a balance of £86 still and they will proceed with next actions to recover balance.

So much for selling my debt to Zinc.

[nightwatch]

Lovely now just wait for the 1st letter from DM Ltd,

NW x

[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:	Late payment on credit report
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

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.

[cymruambyth]

Enjoy the peace, you will hear from someone at some point! If it is shown as closed it could be that they are preparing the account for sale to a DCA.

[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

At what point should I be hearing from Westcot? Received letter in July and account closed & defaulted the same month.

[debrag]

Which confusion is evidence harassment because it should be Zinc Not CRS chasing you! File that away very carefully!!

Well it's only missed calls no letters as yet.

[cymruambyth]

Not sure why crs are still chashing me as I received their letter on 29th October saying account would be passed to Zinc within 10 days.

Their timing doesn’t always match that of the rest of the human race! Any delay on their part on helps you.

[Roger]

Not sure why crs are still chashing me as I received their letter on 29th October saying account would be passed to Zinc within 10 days.

Which confusion is evidence harassment because it should be Zinc Not CRS chasing you! File that away very carefully!!

[debrag]

Not sure why crs are still chashing me as I received their letter on 29th October saying account would be passed to Zinc within 10 days.

[debrag]

Recieving loads of phonecalls from CRS so will send the harassment letter when I get back

[Roger]

Silence is golden!