Getting myself out of debt

[debrag]

If you get a CCJ you have 30 days to pay it off so that it doesn’t appear on your record. You can also apply to the court to pay by instalments.

I'd need to pay it off in full if it gets to a CCJ so it doesn't go on my file. Was thinking I may get away with instalments and no CCJ through mediation.

[The Tech Clerk]

you mean negotiate a Tomlin Order? you need to get advise on that sure somebody will advise here??

[debrag]

Should I Have heard about mediation by now?

[The Tech Clerk]

they will contact when your case comes up on the pile

[debrag]

they will contact when your case comes up on the pile

Hopefully not for a while then I have 155 so far towards the payment if/when needed.

[The Tech Clerk]

Have you spoken to Diana Mayhew ? as you have a N 1?? for up date [possible info

[debrag]

Debt 1 Natwest Loan

Opened:	August 2016
Type:	Loan
Current Balance:	£4889
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.

Any suggestions on what I should do?. Just ignore til I receive letters from Zinc?

[Joanna Connolly Solicitors]

Any suggestions on what I should do?. Just ignore til I receive letters from Zinc?

Yes, my suggestion is you can ignore that NatWest letter (all seven of them!).

Wait until Zinc write to you.

Hopefully NatWest will assign this account to a debt purchaser soon, possibly after another three months of writing because that'll be two years since your last payment to them, assuming I've got the dates right from your thread post.

Di

[debrag]

Debt 15 Newday (Aqua)

Opened:	September 2014
Type:	Credit Card
Current Balance:	£285
Last payment:	May 2019
Last full payment:	2019
Arrangement:	None
Status:	Default | 31/12/19
Owner:	Cabot Financial

2020
February - Cabot Financial added to record report.
February - 'plan set up' letter received from Cabot.
February - 20% offer letter received

[debrag]

Debt 15 Newday (Aqua)

Opened:	September 2014
Type:	Credit Card
Current Balance:	£285
Last payment:	May 2019
Last full payment:	2019
Arrangement:	None
Status:	Default | 31/12/19
Owner:	Cabot Financial

2020
February - Cabot Financial added to record report.

So I now have 2 defaults for the same account.

[debrag]

Debt 15 Newday (Marbles)

Opened:	July 2017
Type:	Credit Card
Current Balance:	£741
Last payment:	May 2019
Last full payment:	2019
Arrangement:	None
Status:	Default | Date ?
Owner:	Cabot Financial

2020
January - Received assignment letter from Marbles and welcome letter from Cabot
February - Cabot Financial added to record report.
February - 'plan set up' letter received from Cabot.
February - 20% offer letter received

[debrag]

Debt 15 Newday (Marbles)

Opened:	July 2017
Type:	Credit Card
Current Balance:	£741
Last payment:	May 2019
Last full payment:	2019
Arrangement:	None
Status:	Default | Date ?
Owner:	Cabot Financial

2020
January - Received assignment letter from Marbles and welcome letter from Cabot
February - Cabot Financial added to record report.
February - 'plan set up' letter received from Cabot.

Should I be ignoring or setting up payment?

[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
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.

Am I looking at Lowell starting up their demands again? I shall just ignore.

[Warwick65]

Looks like you have hit the cycle again. I would do what you have been doing

[debrag]

So should I have 2 defaults for 1 debt on file?