GDPR Cookie Consent by SimpleServe Privacy Script Getting myself out of debt - AAD Consumer Forum

Announcement

Collapse
No announcement yet.

Getting myself out of debt

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

  • Originally posted by nightwatch View Post
    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

    Comment


    • Originally posted by debrag View Post

      I've been told it UE

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

      Di

      Comment


      • 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?



        Comment


        • Originally posted by debrag View Post
          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

          Comment


          • Originally posted by Diana Mayhew View Post


            I don't see why not.

            Di
            CCA sent

            Comment


            • Originally posted by debrag View Post

              CCA sent

              Good plan

              See what they come up with.

              Di

              Comment


              • Originally posted by debrag View Post
                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?

                Comment


                • Originally posted by debrag View Post

                  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

                  Comment


                  • Originally posted by Diana Mayhew View Post


                    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.
                    Last edited by debrag; 11 November 2020, 13:12.

                    Comment


                    • Well that’s a step in the right direction!

                      Comment


                      • Originally posted by debrag View Post

                        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.

                        Comment


                        • Originally posted by debrag View Post
                          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

                          Comment


                          • Originally posted by debrag View Post

                            Getting emails now
                            IGNORE ! MARK THEM AND SEND THEM SPAM!!

                            Comment


                            • Originally posted by debrag View Post

                              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.

                              Comment


                              • Originally posted by Warwick65 View Post

                                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

                                Comment

                                Working...
                                X