Getting myself out of debt

[debrag]

Debt: SafetyNet Credit

Opened:	October 2017
Type:	OD style loan
Current Balance:	£1214
Last payment:	September 2019
Last fill payment:	September 2019
Arrangement:	None
Status:	Arrears/Dormant October 2019

2020
November - installment reminder/hold email received
November - affordable arrangement email received

2021
February - arrangement set up email received
February - installment reminder email received
February - affordable arrangement email received
May - set up plan email received x 3
May - NOSIA notice of sums of arrears email received

2022
April - affordable arrangement email received
July - cost of living/help email received
July - affordable arrangement email received
August - monthly statement email received
August - please log onto your dashboard email received
September - monthly statement email received
October - monthly statement email received
October - NOSIA notice of sums of arrears email received
November - monthly statement email received
December - monthly statement email received

2023
January - monthly statement email received
January - administration email received
February - monthly statement email received
March - monthly statement email received
April - monthly statement email received
May - monthly statement email received
May - Arrears letter + email arrived
June - email & text to tell me to set up a payment plan - account now on hold for 14 days.
July - statement email
July - email to tell me from 4th august phone line and live chat will stop working.
August - statement email
September - statement email
October - recovery instruction letter received by email from Credit Resource Solutions ltd.

Latest correspondence:

We have been instructed by SafetyNet to arrange payment of the outstanding balance of xxxx. You are
currently in arrears of xxxx and need you to contact us at your earliest convenience to resolve this matter
quickly and easily. Note, all future communication regarding this matter will now be with us.

The balance relates to the following loan: xxxxx

The quickest and easiest way to set your account back up under arrangement is through our website. Please
follow the links included in this email.
To manage your account and make payment today, log into www.mycrs.co.uk using your CRS reference
number. Alternative payment options and contact details can be found on the reverse of this letter.

Just another ignore letter? The last time I paid anything was September 2019, so not long to go til SB. Then I will contact then to sort out my incorrect default date.

[debrag]

Debt: SafetyNet Credit

Opened:	October 2017
Type:	OD style loan
Current Balance:	£1214
Last payment:	September 2019
Last fill payment:	September 2019
Arrangement:	None
Status:	Arrears/Dormant October 2019

2020
November - installment reminder/hold email received
November - affordable arrangement email received

2021
February - arrangement set up email received
February - installment reminder email received
February - affordable arrangement email received
May - set up plan email received x 3
May - NOSIA notice of sums of arrears email received

2022
April - affordable arrangement email received
July - cost of living/help email received
July - affordable arrangement email received
August - monthly statement email received
August - please log onto your dashboard email received
September - monthly statement email received
October - monthly statement email received
October - NOSIA notice of sums of arrears email received
November - monthly statement email received
December - monthly statement email received

2023
January - monthly statement email received
January - administration email received
February - monthly statement email received
March - monthly statement email received
April - monthly statement email received
May - monthly statement email received
May - Arrears letter + email arrived
June - email & text to tell me to set up a payment plan - account now on hold for 14 days.
July - statement email
July - email to tell me from 4th august phone line and live chat will stop working.

They finally defaulted me, date of default 30th June 2023. Wonder if they will continue to chase as it looks like they are closing down finally, as least they phone lines are.

[debrag]

SILENCE is golden!

oh I'm not going to rock the boat in anyway lol

[Roger]

Now have received a text to set up payment plan and an email to say the same thing plus that my account is on hold for 14 days to allow my time to set it up. Will I ever be defaulted lol

SILENCE is golden!

[debrag]

Debt: SafetyNet Credit

Opened:	October 2017
Type:	OD style loan
Current Balance:	£1214
Last payment:	September 2019
Last fill payment:	September 2019
Arrangement:	None
Status:	Arrears/Dormant October 2019

2020
November - installment reminder/hold email received
November - affordable arrangement email received

2021
February - arrangement set up email received
February - installment reminder email received
February - affordable arrangement email received
May - set up plan email received x 3
May - NOSIA notice of sums of arrears email received

2022
April - affordable arrangement email received
July - cost of living/help email received
July - affordable arrangement email received
August - monthly statement email received
August - please log onto your dashboard email received
September - monthly statement email received
October - monthly statement email received
October - NOSIA notice of sums of arrears email received
November - monthly statement email received
December - monthly statement email received

2023
January - monthly statement email received
January - administration email received
February - monthly statement email received
March - monthly statement email received
April - monthly statement email received
May - monthly statement email received
May - Arrears letter + email arrived
July - email & text to tell me to set up a payment plan - account now on hold for 14 days.

Now have received a text to set up payment plan and an email to say the same thing plus that my account is on hold for 14 days to allow my time to set it up. Will I ever be defaulted lol

[Pat]

debrag I have been reading back- can I ask what happened with the PDL that Lantern and Moray Law made a claim for? Did it ever get to court. Sorry I have read many pages but can't see a resolution.

[The Tech Clerk]

debrag it is your account, I apologise for the content, may I ask you to continue your case from now on, (no more childish bickering) we are here for debrag not one upmanship. - end of:-

[Still Waving]

"It doesn’t take a genius to work out who’s who and what’s what from a DCA perspective if they really wanted to?"

I seriously doubt the veracity of that statement. People here alert posters if they have inadvertently posted any identifiable information, and a Mod will often quickly redact it on their behalf. If you find the way the site works so comical, again one wonders why you bother to be here.

[Timewilltell]

debrag it is your account, so ultimately you will need to make the decision, I have advised based on my experience of the so called ‘old way’ and it has worked for me.

I do find it somewhat comical that we are advised against responding to the DCA’s etc however are advised strongly to post all the information on what is predominately a public site. It doesn’t take a genius to work out who’s who and what’s what from a DCA perspective if they really wanted to?

so I’m my humble opinion the old way still works and if it does get too heavy for me then I’ll post my diary and call upon the likes of JCS for support, if the costs warrant it.

I can’t believe for one minute that if these DCA’s etc were so sure that they could actually obtain the funds from you via court that they wouldn’t be the first in the queue? So the fact they hide in the shadows tells me that anyone who stands up to them they will shy away.

only my opinion based on the evidence and experience with the support from past AAD approach.

[The Tech Clerk]

If it were me I would wait and not say anything unless I were issued something like a letter of claim. I remember a blog post from a guy called Paul who said that while SB runs from a DN remedy date, having a long wait between defaulting and a DN being sent could be an unfair relationship. Paul by the way was involved in the infamous Santander v Mayhew.

Note:- Remember:- that was 2013 era! so many variations then and after., not all cases

but sit on hands for now.

[The Tech Clerk]

Brandon case! as one issued late then the owners may have trouble.

[Pat]

by the ways I'm a her not a him

so basically wait till it should be over SB to raise anything.

If it were me I would wait and not say anything unless I were issued something like a letter of claim. I remember a blog post from a guy called Paul who said that while SB runs from a DN remedy date, having a long wait between defaulting and a DN being sent could be an unfair relationship. Paul by the way was involved in the infamous Santander v Mayhew.

[debrag]

by the ways I'm a her not a him

so basically wait till it should be over SB to raise anything.

[Still Waving]

but make sure it is anonymised for example rounding up figures to the nearest 20 or 100 as appropriate.

It was always the case that it was suggested that figures be rounded (not necessarily as close as £20) and that dates be approximate. You do seem bent on continuing an argument for the sake of it.

[Roger]

Pat
Never-In-Doubt agreed special terms for AAD with JCS
PlanB worked for JCS
AAD have a special relationship here for which so many of us have benefited.

This is a small debt!
But the Diary reveals raises so many issues!

Its a been DORMANT since 2019 nearly four years! Plenty of DORMANT Credit accounts BUT this is a DORMANT Debit account
I do not know whether in CCA there is a time scale for when a DN should be issued!!!
There are rules for what must be done before it can be issued!

So why was the Default Notice not issued?

debrag would be close to 2 years Statute Barred BUT this reporting to Credit Agencies destroys His Credit and it seems without a determinable timescale.


So the Company goes into Adminstration. The Administrator acts as Agent.

Now can they issue a Default Notice in these circumstances?
Should they have not followed the prior procedures set out before issuing a Default Notice?
If the Default is rectified the account can't be closed! Then what?

To many questions and opinions won't help if this becomes toxic then at least debrag good Diary will help Him if he requires leagl advice with that FREE first consultation.

This ends here and now I don't have answers But I have lots of questions raised within this Diary