Getting myself out of debt

[The Tech Clerk]

Diana Mayhew

[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

Received a possible legal action letter for £86!!!! If I don't pay and they issue a ccj and I then don't pay it will be out sourced. I have 10 days to act. It would be nice if you could make payment arrangements/pay online but no you have to phone. I'd rather pay then get a ccj for £86. They are defiantly just in house for Harlands group as their web address just redirects to Harlands

[debrag]

Debt 11 David Lloyd

Opened:	August 2016
Type:	Gym
Current Balance:	£582
Last payment:	£1.00 | July 2018
Last fill payment:	July 2016
Arrangement:	Reduced payments
Status:	Unknown
Owner:	ARC

ARC if I don't pay start phoning, can I send the do not phone letter now?
August - received email + letter agreeing on a payment plan of £1 a month, I didn't agreed to this as I told them the agreement was £0.
August - receiving calls every day/other day - ignoring - harassment letter has been sent

Just received a letter from ARC due to me not making payments. It's a 'we can refer the matter to our solicitors...to prepare a county court claim...', 'could apply for a formal judgement against you...'.
What is my next move?

[debrag]

Getting really confused now credit resource solutions and credit resolution services call themselves CRS! Thought I'd sorted out the payments from credit resource solutions leaving my bank but another payment went out this month. This is an investigation going on with the bank, I'm getting nowhere with the company themselves. Oh and they appear to have no details for me on record, at any of my last 3 addresses

[debrag]

Debt 11 David Lloyd

Opened:	August 2016
Type:	Gym
Current Balance:	£582
Last payment:	£1.00 | July 2018
Last fill payment:	July 2016
Arrangement:	Reduced payments
Status:	Unknown
Owner:	ARC

ARC if I don't pay start phoning, can I send the do not phone letter now?
August - received email + letter agreeing on a payment plan of £1 a month, I didn't agreed to this as I told them the agreement was £0.
August - receiving calls every day/other day - ignoring - harassment letter has been sent

As above I am now receiving calls every day/other day

[Joanna Connolly Solicitors]

Anyone had any dealing with ARC? Before when I hadn't paid them they phoned me which I don't want them to do.

Which of your debts is ARC chasing?

Di

[debrag]

So unable to edit or quote since the issues with the site. - EDIT: can how edit.

Natwest OD - balance now £799 according to my credit report. It looks like the interested on the loan has been paid off the OD instead.
Natwest loan - yearly statement received

[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?

They have finally sent me a letter saying they have cancelled my Payplan agreement. About time.

[debrag]

I don't I'm afraid.

[Warwick65]

Maybe an obvious question but do you have any copies of old CRA reports?

[debrag]

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 - Email from QQ to let me know the investigation into my complaint is still on going. Been 1 month since I sent the SAR request. It was sent as a irresponsible lending complaint.

---

How do I show evidence of irresponsible lending when all PDLs bar one (LS) have fallen off my credit file? Would I just be using the QQ data?

[debrag]

In the notes are there mentions of default notices or anything. SARs are not always easy to read

I am sure you have explained this but this debt is Lending Stream but you have put type of debt 'Gym' is that just a typo or something else

Yes gym is a typo.

All the notes show are letters/emails sent between them and me. It's just a spreadsheet with everything listed.

- please call regarding the overdue balance
- you have been sent statement of accounts
- I am in dispute
- you have been sent LendDEF250513.pdf - appears I've been sent it twice, no clue what this letter is and it's not been sent with the SAR.

[Warwick65]

In the notes are there mentions of default notices or anything. SARs are not always easy to read

I am sure you have explained this but this debt is Lending Stream but you have put type of debt 'Gym' is that just a typo or something else

[debrag]

Debt 14 Lending Stream

Opened:	February 2012
Type:	Gym
Current Balance:	£86
Last payment:	Unknown
Last fill payment:	2012
Arrangement:	None
Status:	Default | March 2012
Owner:	Credit Resource Solutions

2013
In dispute, LS claim balance is still 134

2016
Deleted emails
Confused this debt with one above
CRS sent back to LS

2018
Possibly SB March 2019
SAR request sent

2018
August - received SAR documentation which is basically nothing. 2 screen shots of my details and an excel spreadsheet of notes. Not default, CCA, statement of account, no payments etc. Should I just ignore all letters from credit resource solutions?

[debrag]

If your last full (i.e. contractual) payment for this J D Williams catalogue account was in December 2017, you should have been sent a Default Notice then (were you?) and the account should be showing as defaulted on your CRA file.

It only feels like it goes on forever, but the calls/letters will eventually stop

Di

No default notice that I remember but will go have a look in a min. Also it's not defaulted on my CRA file:

December was AA (1)
January was AA (2)
February was OK
March was DM (uc)
April was DM (uc)
May was DM (uc)
June was DM (1)

I went to Payplan in December/January, went self-managed February, stopped paying July.

It's the same as Very who I hear never like to default.