Getting myself out of debt

[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.
July - Received an overdue payment letter

Another overdue payment letter received - ignored

[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
June - Letter received from Moriarty Law requesting my cca from their client. Account on hold & collection activity suspended

Letter received in reply to the copy of the cca request I sent to Lantern. They have referred it to their clients. £1 payment is not needed.

[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
June - Letter received from Moriarty Law requesting my cca from their client. Account on hold & collection activity suspended
June - Received 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,

Does this mean they have to send a new letter of claim. I'm all ready to send them my DMP information should I just do that?

[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

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 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,

If you've been sent a credit agreement you need to email it to Niddy for an opinion of whether it's enforceable or not using webmaster@all-about-debt.co.uk

I notice you don't say they've produced a Default Notice. Have they?

Di

[debrag]

If you've been sent a credit agreement you need to email it to Niddy for an opinion of whether it's enforceable or not using webmaster@all-about-debt.co.uk

I notice you don't say they've produced a Default Notice. Have they?

Di

It's the same CCA that I have been sent from Lantern & QQ already which Niddy has seen and says is enforceable.

[Joanna Connolly Solicitors]

It's the same CCA that I have been sent from Lantern & QQ already which Niddy has seen and says is enforceable.

Can you also answer my previous question about any Default Notice please.

I notice you don't say they've produced a Default Notice. Have they?

Di

Di

[debrag]

Can you also answer my previous question about any Default Notice please.





Di

I don't have a DN either via post or email, though the SAR from QQ produced a csv file detailing emails, one states they have sent one out.

[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.
July - Received an overdue payment letter
July - Another 20% off settlement letter recieved

Receiving multiple texts asking to contact them urgently, also recieved an 20% off offer letter, everything ignored.

[Joanna Connolly Solicitors]

Receiving multiple texts asking to contact them urgently

(Re Debt 3 Very)

I've looked at the history and can see that you've not yet sent a s77/79 CCA Request to anyone, so if the relentless calls and texts become upsetting you can send a request to Lowell which should quieten things.

Di

[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.
July - Received an overdue payment letter
July - Another 20% off settlement letter received
August - Pre-legal assessment letter and annual statement received.

Received a 1 page pre-legal assessment letter. Says they will use information contained within my credit file to understand my financial situation to decide what action to take next. Do I need to do anything? Think I will send a CCA request.

[The Tech Clerk]

see what they send next? do not panic, could send CCA request as Di stated

[nightwatch]

they are using the "assesment" to get you to contact them, your credit file May or may not be useful to them, it will say who you are, so they know you live there,
Hold off for now, if they decide to go further they must send you a formal pre legal assesment letter, which is about 5 pages and gives tick box options, with 30 days to reply. you can send a CCA then.

[Joanna Connolly Solicitors]

Received a 1 page pre-legal assessment letter. Says they will use information contained within my credit file to understand my financial situation to decide what action to take next. Do I need to do anything? Think I will send a CCA request.

I would send Lowell a s77/79 CCA Request before things escalate.

Once lawyers get involved (i.e. Lowell Solicitors) it may be harder to stop the legal juggernaut.

Why not nip it in the bud now since Lowell may struggle to produce a compliant catalogue credit agreement.

Di

[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.
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

2nd pre-legal assessment letter received 12th August.

"we have still not been able to agree repayment...IF we do not hear from you, we will proceed with our assessment to decide whether to take legal action"

Let's see what they next send, shall we?

[The Tech Clerk]

another letter 2nd drawer down. probably have a 7 drawer desk in the threatograms game, cost them monies, NCO are in house desk, as I found out years ago.