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.

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 - Recieved another contact within 14 days or we will assess your account with a view to commencing court proceedings.

Do I ignore recent letter?

[The Tech Clerk]

just await their next contact. CCA as 2013 on line was it??


yet above in para 241 you state they have started the procedure and given you 30 does as per PAP. ??? so the recent letter is the usual in department one not knowing what the others are doing = ignore = what is your intention on how you want to deal with this??

[The Tech Clerk]

save as to going thru all the thread did you as it was suggested in the beginning of your threads:- did you send CCA1974 to the webmaster for checking??

[debrag]

just await their next contact. CCA as 2013 on line was it??


yet above in para 241 you state they have started the procedure and given you 30 does as per PAP. ??? so the recent letter is the usual in department one not knowing what the others are doing = ignore = what is your intention on how you want to deal with this??

Yes it was online

[debrag]

save as to going thru all the thread did you as it was suggested in the beginning of your threads:- did you send CCA1974 to the webmaster for checking??

For JD WIlliams? Yes and told unenforceable.

[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.

Do I again ignore?

[The Tech Clerk]

await further letter

[Joanna Connolly Solicitors]

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

.

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


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

Did you get help with your Irresponsible Lending complaint to QQ?

Read this on Debt Camel's website to see if that explains things for you in case they were being dismissive without good reason and you could now refer your complaint to the FOS > https://debtcamel.co.uk/quickquid-payday-loan-refunds/

Di

[Nik nik]

Hello Di,

I would like to get some help with my debt and don’t know where to post, I subscribed also for AAD+
Please help

[nightwatch]

Nik Nik

Hello and welcome to AAD can I suggest you start your own thread/Diary. giving as much information about it. so we can help.

https://all-about-debt.co.uk/forum/f...consumer-forum,

click on the red new topic link, and start your thread
have a read of some of the post to get an idea of what info we may need.

[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 / 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.

Just going to sit and wait for a better offer.

[Joanna Connolly Solicitors]

Did you get help with your Irresponsible Lending complaint to QQ?

Read this on Debt Camel's website to see if that explains things for you in case they were being dismissive without good reason and you could now refer your complaint to the FOS > https://debtcamel.co.uk/quickquid-payday-loan-refunds/

^^^^ Did you see this post?

I've replied to your email. Can you reply to mine please

Di

[debrag]

Cant quote on mobile. Moriarty Law and sent me a new letter giving me 16 days to reply to them or they will go to court. The 30 days from their last letter isn't up yet and I've have no reply to my cca from Lantern, maybe this is due to them receiving the copy of the cca request I sent them.

[Joanna Connolly Solicitors]

Moriarty Law and sent me a new letter giving me 16 days to reply to them or they will go to court. The 30 days from their last letter isn't up yet and I've have no reply to my cca from Lantern, maybe this is due to them receiving the copy of the cca request I sent them.

Could this be because there are 16 days until the end of the 30 days deadline to respond to their Letter of Claim?

My suggestion is you should reply to it now. Tick Box D to say you dispute the debt, and give the reason as non compliance with your s 77/79 CCA Request.

Did you send a copy of your Request to Moriarty Law? If not then enclose a copy of it with your response to the L of C.

Also ask for a copy of the Default Notice and any Notice of Assignment if this debt was sold on.

Di

[debrag]

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

Pre-action/letter of claim form returned to Moriarty Law, cca's to be scanned & sent to Niddy.