Getting myself out of debt

[debrag]

It would be rare for JDW, to have anything with a signature, they send you the goods 1st, then say you agree to the T&C if you continue with purchase.
me thinks the letter is a scare tactic, they used to do this a lot,
looks like they are starting it up again.

yes I've been told it UE

[Joanna Connolly Solicitors]

I've been told it UE

Which unsurprisingly Restons Solicitors failed to tell you in that letter.

Di

[debrag]

Debt 15 Uncle Buck/Conexus

Opened:	May/June 2019
Type:	Payday Loan
Current Balance:	£771.80
Last payment:	£1.00 | August 2020
Last fill payment:	Unknown
Arrangement:
Status:	Unknown

Yes so I didn't learn from my mistakes at this point I was paying them £1 to get them off my back. Each month I'd pay Conexus then receive an email from UB saying I wasn't paying. I then decided to stop paying all together.

I still have access to the UB site and have requested A Statement Of My Account (SOMA) to get more details. I can request a SAR from the site if I want to.

2020
Nov - Email letter received 'urgent action required' We have now assigned your account to our doorstep field rep. OUr doorstep departments will notify you of our intended visit by letter.

Should I cca conexus?

[Joanna Connolly Solicitors]

Debt 15 Uncle Buck/Conexus

Opened:	May/June 2019
Type:	Payday Loan
Current Balance:	£771.80
Last payment:	£1.00 | August 2020
Last fill payment:	Unknown
Arrangement:
Status:	Unknown

Yes so I didn't learn from my mistakes at this point I was paying them £1 to get them off my back. Each month I'd pay Conexus then receive an email from UB saying I wasn't paying. I then decided to stop paying all together.

I still have access to the UB site and have requested A Statement Of My Account (SOMA) to get more details. I can request a SAR from the site if I want to.

2020
Nov - Email letter received 'urgent action required' We have now assigned your account to our doorstep field rep. OUr doorstep departments will notify you of our intended visit by letter.

Should I cca conexus?

I don't see why not.

Di

[debrag]

I don't see why not.

Di

CCA sent

[Joanna Connolly Solicitors]

CCA sent

Good plan

See what they come up with.

Di

[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.

2020
August - Letter received from Debt Managers. A reminder to pay. No you have to pay by x date.
August - Letter received from Debt Managers. "We are looking to progress this to our external partner Restons Solicitors"
October - Letter received from Restons Solicitors.
November - Letter received from Restons asking me to fill in a financial statement online. Have given me till 13th November then they will issue a letter of claim.

Do I need to go anything?

[Joanna Connolly Solicitors]

Do I need to go anything?

No, but let me know if Restons Solicitors send you a Letter of Claim.

Am I right in thinking this debt is unenforceable since you have not received a credit agreement in response to your s77-79 CCA Request sent in January 2019?

Di

[debrag]

No, but let me know if Restons Solicitors send you a Letter of Claim.

Am I right in thinking this debt is unenforceable since you have not received a credit agreement in response to your s77-79 CCA Request sent in January 2019?

Di

I received a CCA but there was no signature or x on it and NIDDY told me it is unenforceable.

[Timewilltell]

Well that’s a step in the right direction!

[Warwick65]

I received a CCA but there was no signature or x on it and NIDDY told me it is unenforceable.

Remember there is no need for a CCA to contain a signature as a CCA request is for info only. I am assuming Niddy said it was UE for other reasons. As an example, I received a CCA response with the wrong address on it.

[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.

2020
August - Letter received from Debt Managers. A reminder to pay. No you have to pay by x date.
August - Letter received from Debt Managers. "We are looking to progress this to our external partner Restons Solicitors"
October - Letter received from Restons Solicitors.
November - Letter received from Restons asking me to fill in a financial statement online. Have given me till 13th November then they will issue a letter of claim.
November - Receiving the same letter as emails now

Getting emails now

[Roger]

Getting emails now

IGNORE ! MARK THEM AND SEND THEM SPAM!!

[Warwick65]

Getting emails now

what are the emails saying?

Just a reminder many email providers can track when the email is delivered and even when it is read. So while you may indeed decide to ignore, best not to say they were not delivered.

I routinely track important emails and often quote times if I need to follow up.

[debrag]

what are the emails saying?

Just a reminder many email providers can track when the email is delivered and even when it is read. So while you may indeed decide to ignore, best not to say they were not delivered.

I routinely track important emails and often quote times if I need to follow up.

If was exactly the same as the letter