Announcement

**Still Waving** · 19 July 2018, 17:49

Hi

The next step is, unfortunately, due to the number of accounts a lengthy one. That is to create a separate post on this thread for each individual account, including correspondence from/to the creditors. Then it will be easier to get tailored advice on a case by case basis.

You can find the guidance on how to set out a diary here (post #2) https://www.all-about-debt.co.uk/for...-read-me-first

Incidentally it's best to round up figures a little bit, rather than exact £££'s.

**debrag** · 19 July 2018, 18:07

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.

**debrag** · 19 July 2018, 18:09

Debt 2 Natwest OD

Opened:	January 2016
Type:	OD
Current Balance:	£1248
Last payment:	£1.00 \| July 2018
Last fill payment:	n/a
Arrangement:	DMP till May 2018
Status:	Default 31/10/2018

2018
March - Collections letter, i+e attached, ignored
April - closing of accounts letter, payment proposal form attached, ignored
June - Closing of OD facility letter
June - Notice of arrears in compliance with CCA 1974
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 - loan interest has been paid off the OD, balance is now £799

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.
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

2021
October - checking credit report I see this account is closed and satisfied 21st July 2021
December - Marked as default/ended on credit report with a balance of £0. Has this been sold on?

**debrag** · 19 July 2018, 18:12

Debt 3 Very

Opened:	December 2016
Type:	Catalogue
Current Balance:	£767
Last payment:	£1.00 \| July 2018
Last fill payment:	November 2017
Arrangement:	DMP / Not paying May 2018
Status:	Late payment / Default 02/19
Owner:	Very (NCO) / Lowell

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 - Statement received along with arrears letter and fact sheet
September - Credit limit has been reduced to £850.
October - Received secure letter via email / message on account letting me know 'we appear to have not received your most recent payment' and that I have £401.13 in arrears
November - Received secure letter via email / message on account letting me know 'we appear to have not received your most recent payment', overdue payment is for £426.80.
December - Received secure letter via email ;The Customer Arrears Support Team need to speak to you, please get in touch.' Overdue amount of £450.67.
December - Received secure 'please contact us' letter. 'You are seriously in arrears'.
January - Received statement. Balance £767.73, min payment £493.50, arrears £472.87

2019
January - Default notice received. In breach of arrears of £472.87 to be paid before 30th Jan 2019. Further enforcement action to be taken if not paid. Full balance is £767.73.
Februrary - Welcome letter received from Lowell, along with assignment letter from Very/.Shop direct
May - Received 'your payment is overdue' letter
June - Received a 20% discount offer.
July - Received an overdue payment letter
July - Another 20% off settlement letter received
August - Pre-legal assessment letter and annual statement received.
August - 2nd pre-legal assessment letter
August - Sent CCA request letter
August - Receive a £50 cheque for my complaint ??
October - Received CCA in the post

2020
February - Recieved letter from Lowell about repayment plans, suggesting £30 a month + annual statement.
March - Received offer letter from Lowell of 50% discount. Says I can set up a repayment plan.
April - Letter received offering a 60% discount

**debrag** · 19 July 2018, 18:14

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. I am still to deal with Restons.

**debrag** · 19 July 2018, 18:17

Debt 11 David Lloyd

Opened:	August 2016
Type:	Gym
Current Balance:	£582
Last payment:	£1.00 \| July 2018
Last fill payment:	July 2016
Arrangement:	Reduced payments
Status:	Unknown
Owner:	ARC

ARC if I don't pay start phoning, can I send the do not phone letter now?

2018
August - received email + letter agreeing on a payment plan of £1 a month, I didn't agreed to this as I told them the agreement was £0.
August - receiving calls every day/other day - ignoring - harassment letter has been sent
September - received a 'could issue a claim' letter
October - received a letter from Major Law Solicitors

2019
March - Getting calls again from ARC - not paid since sometime November 2018, haven't heard form them for months.
April - Tried to log in to my ARC account but the reference but can't
May - Got onto their online system and account balance is £0

**debrag** · 19 July 2018, 18:34

Debt 12 QQ

Opened:	January 2012
Type:	PDL
Current Balance:	£481
Last payment:	£1.00 \| February 2016
Last fill payment:	£110 \| February 2012
Arrangement:	None
Status:	Default \| off 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
August - Received response about my irresponsible lending claim and it was too long ago now.
September - starting to receive calls, no letters or emails

2019
April - Received letter/email for an outstanding balance of £481.16. Subject 'we're about to take action, contact us today'.
April - Received letter via email 'we will now instruct our solicitors to commence recovery action...f we do not hear from you within the next 7 days we will be left with no alternative but to refer your account to Moriarty Law Limited.'
May - Received Letter of Claim from Moriarty Law giving me 30 days to return the form
May - CCA request sent to Lantern and coy to Moriarty Law
June - Received copy of cca from Lantern + final demand letter from Moriarty Law
June - Letter received from Moriarty Law requesting my cca from their client. Account on hold & collection activity suspended
June - Received a statement of account, assignment letter (not letter headed paper) and cca. Cover letter mentions that they have confirmed the bank details to where the loan went?? I am to discuss payment within 30 days,
July - Received letter from Moriarty Law giving me another 30 days. Can't find letter so unsure of date.
August - Received a letter to say I would be receiving ccj papers soon. 14 days I can still arrange something with them.
August - Same day receive ccj court papers! Date of claim 27th August 219
September - Acknowledgment of Service done online
September - CPR 31.14 sent. Received on 12th September
September - Received email from Moriarty Law offering a repayment plan over 6 months and no longer. First instalment to be paid by 19th September, an out of court settlement. Otherwise county court papers to be returned by 24th September 2019.
September 27th - Defence filed online
September 28th - Reply to CPR 31.14 received. Again with no DN
October - Acknowledgement letter received from the courts,
October - Received letter from Moriarty Law to say that their client (Lantern) are continuing with their claim.
October - Court questionnaire received.

**debrag** · 19 July 2018, 18:43

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.

**debrag** · 19 July 2018, 18:45

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** · 20 July 2018, 10:04

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?

**Roger** · 20 July 2018, 10:37

Warwick65 I think is your man here!

**debrag** · 20 July 2018, 10:41

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** · 20 July 2018, 12:20

Originally posted by debrag View Post

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

**Warwick65** · 20 July 2018, 20:58

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 ?

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