Getting myself out of debt

[Roger]

Have you sent MMF a S.77/78 CCA plus £1 request? If not do so then stop payments after 14 days because it is UE until they produce a Valid CCA.
I wouldn't mention IRL claim at this time, save this for later. When and if it becomes necessary! (HOLD YOUR CARDS CLOSE TO YOUR CHEST!!)

[debrag]

Debt 12 QQ

Opened: January 2012
Current balance: 481
Last installment payment: £110.00 | February 2012
Last payment to QQ: February 2016
Arrangement: Reduced payment
Status: No longer on 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

As this debt is enforceable should I continue to make the £2 monthly payment or should tell them that the account is in dispute following an IRL claim on going?

[debrag]

What settlement figures do you think I could achieve (if anything) on the following:

Natwest OD: 1248
Very: 767
JD Williams: 1740
Marbles: 665

I have a few small debts: 167; 86; 127 that if enforceable I will try and just pay off, don't think I'd get any offers on such low balances. One is a credit card, one a pdl the other a gym.

[debrag]

You are saying the debt is enforceable. Do you mean the S77/78 request is compliant?

Other questions might include- Did you receive a Default notice, if so how was it delivered- by post, by email?

have you received annual statutory notices?

Did you receive a notice of assignment?

Do you know exactly how the amount accrued and is that accurate to the terms and conditions- even if they are , they might be unfair

As to if you should set up a payment plan, well only you can decide that. My QQ was from about that time and is now SB- mind I did catch a DCA ( a predecessor to MMF based in Kilmarnock) out because I had an email from QQ saying the balance was 0 and the account had not be transferred or sold to a third party).

I am afraid I can not say do or don't - it really is your decision but you will find support here if you decide to tough it out

I received a notice of assignment January 2018 via email from MMF

Yes the S77/78 is compilant, no annual statutory notices.

My credit agreement with qq states that I need to repay £722 (£500 loans + £222 interest) and that there are no additional charges after the due date, only £12 late fees.
Well my statement shows interest of £147 added 4 times and 2 late charges. Meaning that my balance when sold/transferred on should have been £302.76 not £819.
I have since paid off £559.08. My account info does however mention a rollover/extension twice so does the 2 extra interest charges of £147.5 each stand?

[Warwick65]

As my QQ CCA is enforceable should I set up a repayment plan or leave it as it's no longer on my credit report?

You are saying the debt is enforceable. Do you mean the S77/78 request is compliant?

Other questions might include- Did you receive a Default notice, if so how was it delivered- by post, by email?

have you received annual statutory notices?

Did you receive a notice of assignment?

Do you know exactly how the amount accrued and is that accurate to the terms and conditions- even if they are , they might be unfair

As to if you should set up a payment plan, well only you can decide that. My QQ was from about that time and is now SB- mind I did catch a DCA ( a predecessor to MMF based in Kilmarnock) out because I had an email from QQ saying the balance was 0 and the account had not be transferred or sold to a third party).

I am afraid I can not say do or don't - it really is your decision but you will find support here if you decide to tough it out

[debrag]

Debt 13 Trugym

Opened: August 2012
Current balance: 86
Last payment: None as was set up for Credit Resource Solution by mistake, Credit Resolution Services don't have a function to set up payment online, I won't be paying them then.
Last full payment: March 2013
Arrangement: Nothing
Status: Default on credit report (March 2013)
Owner: Credit Resolution Services, account being sent back to Trugym



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

Updated debt, possible last payment made October 2015 so SB October 2021

[debrag]

As my QQ CCA is enforceable should I set up a repayment plan or leave it as it's no longer on my credit report?

[debrag]

Hi

I am curious as to why you think the Lending stream debt may be SB in March 19, is that the date they recorded a default or were you making payments of some type up until then?


As for the rest, well it really is hard to give advice or even an opinion because every case is different. What I will say , from personal experience, there is a lot more to unenforceability than the S77/78 request although they are a good place to start

One thing I am never sure of is if a S87(1) DN is needed before a claim can be brought for a fixed term loan . I believe there used to be exceptions when the term was less than 3 months however many PDL's tried to become lines of revolving credit (like a low limit credit card really) and if that is the case a DN is needed. What is more a DN should be served by post and not email which is what they try to do.

I would be careful with Lantern- since they rejigged their ownership they seem to have 1) got their house into some type of order and b) become quite free and easy issuing claims

I had multiple payday loans from around 2012 or before. Some I settled, some I kicked up such a fuss they went back to the original creditor and some are now SB.There are only 2 or maybe 3 that could in theory try it on and only one of them is of any significant amount which I think they would have a problem justifying in court

Have you made affordability complaints against both PDL's ?

The last email I can find is from January 2013 where I am disputing the balance and charges. I don't remember paying after that (SAR will tell). The default date is November 2012

I am doing SAR requests to get the required info for affordability complaints

[Warwick65]

Hi

I am curious as to why you think the Lending stream debt may be SB in March 19, is that the date they recorded a default or were you making payments of some type up until then?


As for the rest, well it really is hard to give advice or even an opinion because every case is different. What I will say , from personal experience, there is a lot more to unenforceability than the S77/78 request although they are a good place to start

One thing I am never sure of is if a S87(1) DN is needed before a claim can be brought for a fixed term loan . I believe there used to be exceptions when the term was less than 3 months however many PDL's tried to become lines of revolving credit (like a low limit credit card really) and if that is the case a DN is needed. What is more a DN should be served by post and not email which is what they try to do.

I would be careful with Lantern- since they rejigged their ownership they seem to have 1) got their house into some type of order and b) become quite free and easy issuing claims

I had multiple payday loans from around 2012 or before. Some I settled, some I kicked up such a fuss they went back to the original creditor and some are now SB.There are only 2 or maybe 3 that could in theory try it on and only one of them is of any significant amount which I think they would have a problem justifying in court

Have you made affordability complaints against both PDL's ?

[Roger]

Should I still be paying debts 1 to 4 as they are all recent and probably will be enforceable. At the rate I'm paying it will be something like 14 years before they are paid off

Where do I sent my CCA's off for checking?

Niddy (nobody sees these but him so don't redacted any details > webmaster@all-about-debt.co.uk

[debrag]

Should I still be paying debts 1 to 4 as they are all recent and probably will be enforceable. At the rate I'm paying it will be something like 14 years before they are paid off

Where do I sent my CCA's off for checking?

[Roger]

Warwick65 I think is your man here!

[debrag]

Any advice on what to do next? I am awaiting SAR request back from QQ and LS, I'd like to get these two off my credit report before the threats start

All debts are after 2007 so will probably be enforeable, if I can get Trugym & LS off my report along with QQ what can they do then?

[debrag]

Debt 14 Lending Stream

Opened:	February 2012
Type:	PDL
Current Balance:	£86
Last payment:	May 2012
Last full 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
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]

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.