Getting myself out of debt

[Timewilltell]

Well that’s a step in the right direction!

[debrag]

No, but let me know if Restons Solicitors send you a Letter of Claim.

Am I right in thinking this debt is unenforceable since you have not received a credit agreement in response to your s77-79 CCA Request sent in January 2019?

Di

I received a CCA but there was no signature or x on it and NIDDY told me it is unenforceable.

[Joanna Connolly Solicitors]

Do I need to go anything?

No, but let me know if Restons Solicitors send you a Letter of Claim.

Am I right in thinking this debt is unenforceable since you have not received a credit agreement in response to your s77-79 CCA Request sent in January 2019?

Di

[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.

Do I need to go anything?

[Joanna Connolly Solicitors]

CCA sent

Good plan

See what they come up with.

Di

[debrag]

I don't see why not.

Di

CCA sent

[Joanna Connolly Solicitors]

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?

I don't see why not.

Di

[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?

[Joanna Connolly Solicitors]

I've been told it UE

Which unsurprisingly Restons Solicitors failed to tell you in that letter.

Di

[debrag]

It would be rare for JDW, to have anything with a signature, they send you the goods 1st, then say you agree to the T&C if you continue with purchase.
me thinks the letter is a scare tactic, they used to do this a lot,
looks like they are starting it up again.

yes I've been told it UE

[The Tech Clerk]

Your learning

[nightwatch]

I noticed they say they had provided you with info of free debt advice.

Funny they never give AAD a mention !

[Timewilltell]

It’s what I call a comic book letter. It’s full of fiction and makes me chuckle to myself!!

[nightwatch]

It would be rare for JDW, to have anything with a signature, they send you the goods 1st, then say you agree to the T&C if you continue with purchase.
me thinks the letter is a scare tactic, they used to do this a lot,
looks like they are starting it up again.

[The Tech Clerk]

begging letter?