Getting myself out of debt

[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.

Recevied another letter from BD N Brown, looks the same letter as before except it has added:

" if you ignore...you account will be:
referred to our solicitors and we will take legal action....
passed to our external agents who will contact you at your home address"

Now I don't want someone coming to the house or a court claim. When should I be CCA-ing or send the 'prove it' letter?

[nightwatch]

Recevied another letter from BD N Brown, looks the same letter as before except it has added:

" if you ignore...you account will be:
referred to our solicitors and we will take legal action....
passed to our external agents who will contact you at your home address"

Now I don't want someone coming to the house or a court claim. When should I be CCA-ing or send the 'prove it' letter?

i would send CCA now, just on thing to mention, when they say will contact you at your home address, this may just mean that they phone you,
You can also add a one liner at the bottom of the CCA to say that you do not give permission for anyone to call at the address mentiond in the letter

NW XXX

[debrag]

i would send CCA now, just on thing to mention, when they say will contact you at your home address, this may just mean that they phone you,
You can also add a one liner at the bottom of the CCA to say that you do not give permission for anyone to call at the address mentiond in the letter

NW XXX

CCA request sent today signed for.

[debrag]

Debt 3 Very

Opened:	December 2016
Type:	Catalogue
Current Balance:	£767
Last payment:	£1.00 | July 2018
Last fill payment:	November 2017
Arrangement:	DMP till May 2018
Status:	Late payment on credit report
Owner:	Very (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 - 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

Another statement received. Been a [6] on my credit report since June, last payment was June also, last full payment was November/December 2017 I think, I just want a default

[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.

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.

[debrag]

A new debt has cropped up

Anytime Fitness gym membership
Balance - 147.80
Owner - CCS Collect

Letter:

ACT NOW TO AVOID POTENTIAL LEGAL ACTION
THIS IS A NOTICE OF INTENDED ACTION
To avoid out client reviewing your account for further recovery action, which includes possible legal action, please call to speak to one of our trained customer advisors

---

Do I need to do anything or just ignore, a CCA request wont work on a gym membership will it?

[debrag]

Debt 1: Natwest Loan £4889 | Being sent to Westcot | Part of DMP | DMP statues of credit report
Debt 2: Natwest OD £1248 | Being sent to Westcot | Part of DMP | DMP statues of credit report
Debt 3: Very £767 | NCO dealing | Account still open | Part of DMP
Debt 4: JD Williams £1740 | Account still open | Part of DMP
Debt 5: Lloyds cc £457 | Minimum payments
Debt 6: Marbles cc £656 | minimum payments
Debt 7: Capital One £103 | minimum payments
Debt 8: Capital One £167 | minimum payments
Debt 9: Aqua cc £167 | minimum payments
Debt 10: Barclaycard £389 | minimum payments
Debt 11: ARC (David Lloyd) £582 | £1 a month arrangement to pay| Doesn't appear on credit report at all but stopping paying membership July 2016
Debt 12: Lantern (QQ) £481 | IRL + SAR claim/request sent it | Had originally agreed to £2 a month repayment plan
Debt 13 Credit Resource Solutions (Trugym) £86 | Sent back to OC | Default on credit report
Debt 14: Credit Resolution Services (Lending Stream) ? | Sent back to OC | Default on credit report

Debts 1 to 4 are on a dmp/token payments due to not being able to afford minimum payments
Debts 5 to 10 I can afford minimum payments and have these paid off next year with a little extra
Debt 12 Fall of credit report May 2018, they first contacted my in Jan 2018
Debts 13 to 14 are due to fall of credit report November 2018 & March 2019.

So whats the next step? Lantern have already sent me all data via the SAR request.

Update below

Debt 1: Natwest Loan £4889 | Being sent to Westcot in July | Not heard anything since July | Defaulted in July 2018
Debt 2: Natwest OD £1248 | Being sent to Westcot in July | Not heard anything since July | Defaulted in July 2018
Debt 3: Very £767 | NCO dealing | Not heard from NCO since May | No default yet!
Debt 4: JD Williams £1740 | Dealing with Debt Managers LTD | Awaiting CCA | Defaulted December 2018 | No longer on Noddle or Clearscore reports - due to being sold on?
Debt 5: Lloyds cc £457 | Minimum payments | continuing to pay
Debt 6: Marbles cc £656 | minimum payments | Haven't paid in 2 months
Debt 7: Capital One £103 | minimum payments | Cleared balance
Debt 8: Capital One £167 | minimum payments | To be repaid in full in Feb 2019
Debt 9: Aqua cc £167 | minimum payments | To be repaid in full in Feb 2019
Debt 10: Barclaycard £389 | minimum payments |continuing to pay
Debt 11: ARC (David Lloyd) £582 | No longer paying the £1 | Not heard from since October 2018 | Major Law Solicitors chasing
Debt 12: Lantern (QQ) £481 | Not heard anything since August/September 2018
Debt 13 Credit Resource Solutions (Trugym) £86 | Default on credit report | Not heard anything since November 2018
Debt 14: Credit Resolution Services (Lending Stream) ? | No longer on any reports | Not heard anything since August 2018

[nightwatch]

A new debt has cropped up

Anytime Fitness gym membership
Balance - 147.80
Owner - CCS Collect

Letter:

ACT NOW TO AVOID POTENTIAL LEGAL ACTION
THIS IS A NOTICE OF INTENDED ACTION
To avoid out client reviewing your account for further recovery action, which includes possible legal action, please call to speak to one of our trained customer advisors

---

Do I need to do anything or just ignore, a CCA request wont work on a gym membership will it?

when did you start this membership, what type was it, ie joining fee and pay when you go, or monthly DD membership, did you try canceling membership???

[debrag]

when did you start this membership, what type was it, ie joining fee and pay when you go, or monthly DD membership, did you try canceling membership???

It was a years contract with a monthly DD. I think I cancelled in person, can't remember sorry

[nightwatch]

Ok when did you start the membership and howlong ago dod you cancel,
the problem with Gym membership is that somewhere in the small print it has something that is impossable to get out of, ok so you think you cancelled in person so did you owe this money when you terminated the membership OR was it what was left to pay on it,
If you cant remember you could send and say you have no idea what this amount is for and need to see the contract you are supposed to have signed
OR
You could try a "have you got the right person letter"

[debrag]

Ok when did you start the membership and howlong ago dod you cancel,
the problem with Gym membership is that somewhere in the small print it has something that is impossable to get out of, ok so you think you cancelled in person so did you owe this money when you terminated the membership OR was it what was left to pay on it,
If you cant remember you could send and say you have no idea what this amount is for and need to see the contract you are supposed to have signed
OR
You could try a "have you got the right person letter"

I'm not really disputing that I owe the money just that I can't afford to pay it yet.

[nightwatch]

I'm not really disputing that I owe the money just that I can't afford to pay it yet.

then just write and tell them that.

[debrag]

Debt 3 Very

Opened:	December 2016
Type:	Catalogue
Current Balance:	£767
Last payment:	£1.00 | July 2018
Last fill payment:	November 2017
Arrangement:	DMP till May 2018
Status:	Late payment on credit report
Owner:	Very (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 - 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.

Is my account finally going be be defaulted?!

[The Tech Clerk]

NCO are in house debt department by the way

[debrag]

NCO are in house debt department by the way

I know I haven't heard anything from them for months only statements from Very. The default was from Very.