Getting myself out of debt

[Warwick65]

Well I don't appear to have the default notice but will check again. Regulatory letters - yearly statements etc?

Regulatory notices - yes exactly that ans things such as notice of sums in arrears

many PDL's had a habit of communicating by email so if you changed your email address it might have not been received. In any event DN's should be delivered by post

As I said, i am not sure about the need for a DN in cases where the loan term is short or expired

[debrag]

In 2012 I got an email from QQ 'refer your account to a Third Debt Collection Agency who will be in touch with you in due course.' Then in 2015 (October) I got an email 'Please be advised that this account is no longer with us and has been referred back to our client.' and started getting the 'Notice of Payment 60 Days Overdue' email August 2015 to March 2016 . January 2016 QQ claim ARC hold my account but why am I getting 'notice of payment' emails from QQ in 2015?
Jan 2018 sold to MMF/Lantern.

[debrag]

Regulatory notices - yes exactly that ans things such as notice of sums in arrears

many PDL's had a habit of communicating by email so if you changed your email address it might have not been received. In any event DN's should be delivered by post

As I said, i am not sure about the need for a DN in cases where the loan term is short or expired

Well I did move address so that may be why I don't have a DN. Does the 'notice of payment overdue' count as notice of sums in arrears?

[Warwick65]

It would depend how they were worded and if the included FCA factsheets. It is a technical area that I don't feel qualified to comment on without seeing the documents. There are various bits of legislation that cover this

[debrag]

Well I don't have any letters from qq only email, same for Lending Stream. I have those for Natwest though.

[debrag]

So Harlands/Trugym (not even sure if it's on my credit file now) have acknowledged my SAR request, now the wait starts.

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Can I just say, I am loving this forum. So much better than others I've been on

[debrag]

Debt 1 Natwest Loan

Opened: August 2016
Current balance: 4889
Last payment: £1.00 | July 2018
Last full payment: December 2018
Arrangement: Reduced payment
Correspondence: July 2018 - in partnership with Westcot
Status: DM on credit report

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)

July - AP on credit report start date May

[debrag]

Debt 3 Very

Opened: December 2016
Current balance: 767
Last payment: £1.00 | July 2018
Last full payment: November 2017
Arrangement: Reduced payment
Status: Late payment on credit report
Owner: NCO

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 - AP on credit report, start date July, current status '6 months late'

[debrag]

Debt 4 JD WIlliams

Opened: June 2013
Current balance: 1740
Last payment: £1.00 | July 2018
Last full payment: December 2018
Arrangement: Reduced payment
Status: Late payment on credit report
Owner: JD Williams

2018
March - Payment arrangement confirmation for Payplan's DMP, not longer using them.

July - AP on credit report, state date April

[debrag]

Just thought I'd mention that my SAR documentation from Lantern didn't contain a notification of default or notification of assignment. I do have a notification of assignment & notice of sale via email though. How do I know if those are correct? Will the notice of default came from the QQ SAR request or does it mean I've never had one?

[Shotley]

With reference to your QQ debt, It may in fact not be enforceable. You've probably got the same documentation as me.

I have two accounts through CashEuroNet UK LLC with two different DCA's. Lantern/MMF contend the agreement is enforceable but PRA Group say that the agreement isn't. They are identical.

I have gone over it with a fine tooth comb and believe I have found the fatal flaw. I've discussed it with Niddy, (albeit briefly), who says I should keep it under my hat. I will discuss it hopefully later with Di, (I've emailed it to her as well), and if it's a good case I'll share it with you. But hang fire just yet...

Like you I have had no default notice or notice of assignment. Both required.

[debrag]

Debt 14 Lending Stream

Opened: February 2012
Current balance: 86
Last payment: ?
Last full payment: 2012
Arrangement: Nothing
Status: Default on credit report (November 2012)
Owner: Credit Resource Solution, account been sent back to LS

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

Complaint email received yesterday in regards to my SAR request

[debrag]

With reference to your QQ debt, It may in fact not be enforceable. You've probably got the same documentation as me.

I have two accounts through CashEuroNet UK LLC with two different DCA's. Lantern/MMF contend the agreement is enforceable but PRA Group say that the agreement isn't. They are identical.

I have gone over it with a fine tooth comb and believe I have found the fatal flaw. I've discussed it with Niddy, (albeit briefly), who says I should keep it under my hat. I will discuss it hopefully later with Di, (I've emailed it to her as well), and if it's a good case I'll share it with you. But hang fire just yet...

Like you I have had no default notice or notice of assignment. Both required.

Niddy looked at my agreement and said it was enforceable. Will be trying to go down the no default notice route but as I've moved home won't that go against me? Default was May 2012

[Shotley]

Niddy looked at my agreement and said it was enforceable. Will be trying to go down the no default notice route but as I've moved home won't that go against me? Default was May 2012

He looked at mine and agreed mine too was enforceable. Then I pointed something out to him and he looked again. It actually might not be....

[debrag]

He looked at mine and agreed mine too was enforceable. Then I pointed something out to him and he looked again. It actually might not be....

Interesting to find out what the flaw was ')