Getting myself out of debt

[debrag]

1 year down 5 to go with natwest. Anyone had any experience with them?

[nightwatch]

You may well have opened the account online, but the agreement was sent after for you to sign, probably after you had received the goods and just as you paid the first payment to them,
As I have said before this was/is how they work/worked.
even if one part was signed and returned, I dont think they bothered to check if you signed it yourself or Micky Mouse did it for you.
unless they have the signed one and the T&C's that went with it they will struggle to take it to court,
they can report it to credit reference agencys, they can also ask you to pay up, BUT, as it is UE you do not have to make a payment.

[debrag]

Just file it away in a safe place, if that is the basis of a court claim they will not get far, you won't need to produce it, unless and this is a BIG unless, they try and produce a signed one, along with T&C from when taken out,
have a nice weekend

Will it need to be a signed copy and not just one with an X as it appears to be a CCA sent through the post rather than done online, though I opened the account online.

[nightwatch]

Just file it away in a safe place, if that is the basis of a court claim they will not get far, you won't need to produce it, unless and this is a BIG unless, they try and produce a signed one, along with T&C from when taken out,
have a nice weekend

[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.

Sent CCA to Niddy who say's it's UE!!

Do I need to do anything now or just keep the CCA safe. Do I just produce this document if it ever goes to court?

[nightwatch]

Not many do as not a lot of people sent them back, they had already got the goods so why sign. xxx

[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.

CCA received for JD WIlliams. I have both the copy that was to be signed and returned and the copy I was to keep. Neither have been signed by me or have a x.

[debrag]

NO I haven't sent a CCA request yet, been waiting for Very to default and they finally have after a year!!

I have received a welcome letter on 21st Feb then a payment due letter 11th March. So far I have just ignored.

Do I just continue to ignore correspondence from Lowell? I'm getting voice messages to call them, Very no longer exists on my reports only Lowell.
Also should my default be Jan 2018 rather than Feb 2019?

[debrag]

They say they are responding to your communication- what exactly was that, was it a CCA request with the fee or just a prove it type letter? Or did you even request the credit agreement, this is MMF after all

I sent a SAR request July 2018 to Lantern then one to QQ September 2018. I seem to have lost most emails from 2018 but I received a bunch of documents originally that contained a credit agreement from Lantern/MMF. I then received a link to documents online from QQ which I can no longer access. I'm hoping I still have them downloaded. [edit] I still have all documents

I haven't been in contact with them for months.

Do I tell them they haven't attached anything? Does this mean I've sent in a CCA request according to Lantern even if I haven't?

[Warwick65]

They say they are responding to your communication- what exactly was that, was it a CCA request with the fee or just a prove it type letter? Or did you even request the credit agreement, this is MMF after all

[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'.

Letter today reads:

CUSTOMER REFERENCE: xxxxxxx
CURRENT OUTSTANDING BALANCE: £481.16

Dear xxxxx

Thank you for contacting us. We've attached your credit agreement(s) as requested.

What's the next step?

Communications will continue if we don't have a payment arrangement in place.

Don't worry we can help, we have lots of payment options available and many ways to contact us. Choose one of our options below:

What’s the next step?

Chat	www.lanternuk.com Click on Chat	Online	www.lanternuk.com/account
Phone	0113 887 6876	Email	customerservice@lanternuk.com

We look forward to hearing from you in the next 5 days

Yours sincerely

Lantern

No credit agreement is attached.

[debrag]

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

Lets hope not being able to log in is a good sign to come!

[debrag]

I can't see any reference to you sending a s77-79 CCA Request to anyone for this debt.

In the meantime if you've only received a welcome letter from Lowell Portfolio you can wait to see what they send next. If you get a letter from Lowell Solicitors post on your thread.

Di

NO I haven't sent a CCA request yet, been waiting for Very to default and they finally have after a year!!

I have received a welcome letter on 21st Feb then a payment due letter 11th March. So far I have just ignored.

[Joanna Connolly Solicitors]

Welcome letter received from Lowell, what should my next action be?

I can't see any reference to you sending a s77-79 CCA Request to anyone for this debt.

In the meantime if you've only received a welcome letter from Lowell Portfolio you can wait to see what they send next. If you get a letter from Lowell Solicitors post on your thread.

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 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.
Feburary - Welcome letter received from Lowell, along with assignment letter from Very/.Shop direct

Welcome letter received from Lowell, what should my next action be?