Getting myself out of debt

[Timewilltell]

What are Intrum like to deal with?

like that annoying fly that buzzes around your head when you are sweating!
I have ignored from the day they took over and all I ever get is a letter offering me 80% discount each month!
I shall wait a little longer then swot them like the annoying fly they are!

[Still Waving]

Persistent but beatable.

[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:	Default 15/11/2018
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.
December - new credit report shows default date of 15/11/2018
December - Letter received from Debt Managers LTD. Outstanding balance of £1742.18. Pay in full or contact for a repayment plan.
December - Another letter received from Debt Managers LTD. Outstanding balance of £1742.18. Pay in full or contact for a repayment plan.

2019
January - Reply received from my CCA request. Account referred back to JD Williams for a copy of my CCA. Fee is no longer needed for this application. Account on hold.
April - CCA received. No signature or x appears.
May - Received 'we may consider taking action letter'
May - Received another contact within 14 days or we will assess your account with a view to commencing court proceedings.
May - Received 'urgent response required' email. Alerting me to my account being transferred to Debt Managers Ltd and asking for payment.

2020
August - Letter received from Debt Managers. A reminder to pay. No you have to pay by x date.
August - Letter received from Debt Managers. "We are looking to progress this to our external partner Restons Solicitors"
October - Letter received from Restons Solicitors.
November - Letter received from Restons asking me to fill in a financial statement online. Have given me till 13th November then they will issue a letter of claim.
November - Receiving the same letter as emails now

2022
October - Received welcome letter from Intrum who are now the owner of the debt not Debt Managers Ltd. I am still to deal with Restons.

What are Intrum like to deal with?

[Still Waving]

6 years 1 month is September 2024? So basically in my final 2 years?

Sorry - is this the five minute argument, or the full half hour?

[debrag]

I think it's a case of glass half full or half empty. Either you are in your fifth year, or you have just completed four years. You are working towards 6years plus one month from (it appears) August 2018. Well done on the current milestone - just over two more years to keep following the advice.

6 years 1 month is September 2024? So basically in my final 2 years?

[Still Waving]

Sorry yes last payment was June 2018, default August 2018. Am I now not in my 5th year, just?

I think it's a case of glass half full or half empty. Either you are in your fifth year, or you have just completed four years. You are working towards 6years plus one month from (it appears) August 2018. Well done on the current milestone - just over two more years to keep following the advice.

[debrag]

Perhaps as your last payment was 2018 it’s only 4 years? I would expect them to pipe up towards end of 5 year but who really knows what or if these think?

Sorry yes last payment was June 2018, default August 2018. Am I now not in my 5th year, just?

[Timewilltell]

Perhaps as your last payment was 2018 it’s only 4 years? I would expect them to pipe up towards end of 5 year but who really knows what or if these think?

[The Tech Clerk]

maybe towards end of, last ditch attempt? every case different, do not remind them.

[debrag]

Debt 1 Natwest Loan

Opened:	August 2016
Type:	Loan
Current Balance:	£4888
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

2019
August - Letter received from AIC they are now managing my account on Natwest's behalf

2020
January - Letter received from NatWest to say the collection agent they are now using is Zinc as their previous ones (I assume AIC) couldn't come to a suitable arrangement. I have been sent the same letter for all my 7 accounts! None are active, most were savings accounts and only 3 are on my credit report.
February - Received letter from Zinc balance of £5667.01 (OD & Loan combined). 'Time is running out' letter
July - received letter to say their collection agents haven't been able to come to a suitable arrangement so my details have been passed to Moorcroft.
September - Received multiple letters from Moorcroft stating they have been unable to agree a repayment plan.
November - Discount offer letter received from Moorcroft.

2021
December - Marked as default/ended on credit report with a balance of £0. Has this been sold on?

2022
August - OD has been sold so debt is only for the loan. Now just gone into 5 years since default.

Should I be expecting some activity on this account now it's in it's 5th year?

[debrag]

Subject Access (SAR) - Typical Request - NOTE:- adjust deleting £10.00 etc (free now) they have 30 days to respond to you with all paperwork letters etc they hold on you, get free proof posting from royal mail and keep copies in date order in a file for easy reference and update diary of events etc.

forget 7 years facts are 6 years

Is this for Conexus/Uncle Buck?

[The Tech Clerk]

Subject Access (SAR) - Typical Request - NOTE:- adjust deleting £10.00 etc (free now) they have 30 days to respond to you with all paperwork letters etc they hold on you, get free proof posting from royal mail and keep copies in date order in a file for easy reference and update diary of events etc.

forget 7 years facts are 6 years

[debrag]

Debt 15 Uncle Buck/Conexus

Opened:	May/June 2019
Type:	Payday Loan
Current Balance:	£771.80
Last payment:	£1.00 | August 2020
Last fill payment:	Unknown
Arrangement:
Status:	Unknown

Yes so I didn't learn from my mistakes at this point I was paying them £1 to get them off my back. Each month I'd pay Conexus then receive an email from UB saying I wasn't paying. I then decided to stop paying all together.

I still have access to the UB site and have requested A Statement Of My Account (SOMA) to get more details. I can request a SAR from the site if I want to.

2020
Nov - Email letter received 'urgent action required' We have now assigned your account to our doorstep field rep. OUr doorstep departments will notify you of our intended visit by letter.

Should I cca conexus?

2021

October - I got documents back from a CCA request sent 01/10/2021. I don't see anything from a request in 2020, if I even sent it. I think I sent the 2021 request due to getting 'doorstep' letters. Since then I have been getting 'contactus' emails and text message, along with 'doorstep' threats. I've never had anyone come to the door. I've just been ignoring them. It's not on my report

2021

October - I got documents back from a CCA request sent 01/10/2021. I don't see anything from a request in 2020, if I even sent it. I think I sent the 2021 request due to getting 'doorstep' letters. Since then I have been getting 'contactus' emails and text message, along with 'doorstep' threats. I've never had anyone come to the door. I've just been ignoring them. It's not on my report.
The document received was just a 9 page cca pdf.

[debrag]

Cabot/BPO/Aqua

Opened:	03 Sept 2014
Type:	Credit card
Current Balance:	£175
Last payment:	£5.00 | June 2022
Last full payment:	2019
Arrangement:	Not paying
Status:	Defaulted December 2019

2022

June Letter from BPO to say that Cabot has asked them to contact me about a settlement offer. A discount of £44.85 (what a joke).
Are BPO collecting for Cabot or something? Cabot have another account of mine worth £630 but it hasn't been sent to BPO. I'm not going to do anything, I was paying each £5 a month but have stopped this month to wait on getting very low F&F offers down the line.

[debrag]

6 years & 1 month eng/wales but 5 years scotland, remember scots get the better toss of the coin!

After six years, the defaulted debt will be removed from your credit file, even if you haven't finished paying it off.

I don't have a default date just delinquent being reported every month. CAG said those accounts go after 7 years, I just wanted to check.