Getting myself out of debt

[debrag]

Debt 2 Natwest OD

Opened:	January 2016
Type:	OD
Current Balance:	£1248
Last payment:	£1.00 | July 2018
Last fill payment:	n/a
Arrangement:	DMP till May 2018
Status:	Default 31/10/2018

2018
March - Collections letter, i+e attached, ignored
April - closing of accounts letter, payment proposal form attached, ignored
June - Closing of OD facility letter
June - Notice of arrears in compliance with CCA 1974
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 - loan interest has been paid off the OD, balance is now £799

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.
July - received letter to say their collection agents haven't been able to come to a suitable arrangement so my details have been passed to Moorcroft

2021
October - checking credit report I see this account is closed and satisfied 21st July 2021
December - Marked as default/ended on credit report with a balance of £0. Has this been sold on?

As above: Marked as defuault/ended on credit report with a balance of £0. Has this been sold on?

[debrag]

Hi debrag, is there any update on your CCA requests?

I don't remember sending one I haven't heard anything since that Moorcroft letter in 2020.

[Roger]

".. You just have to wait and see BUT always record (for your benefit) changes to Accounts/Debts that date 21st July 2021 for instance might become a crucial evidence if other dates for closure and or Assignment are later revealed! .."
Is this the same whose status changed on 21st July 2021?
So the status has been updated (presumably by Nat West) to default/ended?

I surmise that nobody has written to you over this! You are simply monitoring your Credit Report! So 5 months without any communication is good news!
Again make a record of this latest change and its date!

On Dates it looks as if you are close to Statute Bar around Est. June 2022 ( May 2018 + ( 6 years plus 1 month)) what 7-8 months!!
That's not long and time to sit on your hands DO nothing at this stage. Certainly do not write, phone!!

Wait and see!!

[debrag]

".. You just have to wait and see BUT always record (for your benefit) changes to Accounts/Debts that date 21st July 2021 for instance might become a crucial evidence if other dates for closure and or Assignment are later revealed! .."
Is this the same whose status changed on 21st July 2021?
So the status has been updated (presumably by Nat West) to default/ended?

I surmise that nobody has written to you over this! You are simply monitoring your Credit Report! So 5 months without any communication is good news!
Again make a record of this latest change and its date!

On Dates it looks as if you are close to Statute Bar around Est. June 2022 ( May 2018 + ( 6 years plus 1 month)) what 7-8 months!!
That's not long and time to sit on your hands DO nothing at this stage. Certainly do not write, phone!!

Wait and see!!

I may have looked at different credit reports for July & December I don't remember.
May 2018 + 6 years is 2024

[Roger]

I may have looked at different credit reports for July & December I don't remember.
May 2018 + 6 years is 2024

Whoops! Sorry YES!
Doesn't look as if they issued a Default Notice before closing the A/c!

The Notice of Arrears is a different animal!
"..
April - closing of accounts letter, payment proposal form attached, ignored
June - Closing of OD facility letter
June - Notice of arrears in compliance with CCA 1974
June - You have fail to comply letter received
.."

You can normally look back at reports with CRA's. But its curious this what 4-5 month delay and nothing in the Post!
Doesn't change the recommendation Wait; Do Nothing; Make Notes for your own records!

[debrag]

Debt 1: Natwest Loan £4889 | Being sent to Westcot | Part of DMP | DMP statues of credit report | ----> Default/ended, end date 2024
Debt 2: Natwest OD £1248 | Being sent to Westcot | Part of DMP | DMP statues of credit report | ----> Default/ended & zero balance, end date 2024
Debt 3: Very £767 | NCO dealing | Account still open | Part of DMP | ----> Default, end date 2024
Debt 4: JD Williams £1740 | Account still open | Part of DMP | ----> Default, end date 2024
Debt 5: Lloyds cc £457 | Minimum payments | £25 a month
Debt 6: Marbles cc £656 | minimum payments | ----> Default, end date 2025
Debt 7: Capital One £103 | minimum payments | ----> £20 a month
Debt 8: Capital One £167 | minimum payments | ----> Paid off
Debt 9: Aqua cc £167 | minimum payments | ----> Default, end date 2025
Debt 10: Barclaycard £389 | minimum payments | ----> Paid off
Debt 11: ARC (David Lloyd) £582 | £1 a month arrangement to pay| Doesn't appear on credit report at all but stopping paying membership July 2016 | ----> not on reports
Debt 12: Lantern (QQ) £481 | IRL + SAR claim/request sent it | Had originally agreed to £2 a month repayment plan | ----> Not on reports
Debt 13 Credit Resource Solutions (Trugym) £86 | Sent back to OC | Default on credit report | ---> Not on reports
Debt 14: Credit Resolution Services (Lending Stream) ? | Sent back to OC | Default on credit report | ---> Not on reports

Debts 1 to 4 are on a dmp/token payments due to not being able to afford minimum payments
Debts 5 to 10 I can afford minimum payments and have these paid off next year with a little extra
Debt 12 Fall of credit report May 2018, they first contacted my in Jan 2018
Debts 13 to 14 are due to fall of credit report November 2018 & March 2019.

So whats the next step? Lantern have already sent me all data via the SAR request.

Just updated my first post.

[debrag]

SafetyNet Credit which I haven't listed before have reported my account as delinquent. Last payment was September 2019, is it 7 years from October 2019 that it will be removed from my credit file?

Been looking at my default removal countdowns and soon to be under 2 year for two of them and 3 years for others

[The Tech Clerk]

6 years & 1 month eng/wales but 5 years scotland, remember scots get the better toss of the coin!

After six years, the defaulted debt will be removed from your credit file, even if you haven't finished paying it off.

[debrag]

6 years & 1 month eng/wales but 5 years scotland, remember scots get the better toss of the coin!

After six years, the defaulted debt will be removed from your credit file, even if you haven't finished paying it off.

I don't have a default date just delinquent being reported every month. CAG said those accounts go after 7 years, I just wanted to check.

[debrag]

Cabot/BPO/Aqua

Opened:	03 Sept 2014
Type:	Credit card
Current Balance:	£175
Last payment:	£5.00 | June 2022
Last full payment:	2019
Arrangement:	Not paying
Status:	Defaulted December 2019

2022

June Letter from BPO to say that Cabot has asked them to contact me about a settlement offer. A discount of £44.85 (what a joke).
Are BPO collecting for Cabot or something? Cabot have another account of mine worth £630 but it hasn't been sent to BPO. I'm not going to do anything, I was paying each £5 a month but have stopped this month to wait on getting very low F&F offers down the line.

[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?

2021

October - I got documents back from a CCA request sent 01/10/2021. I don't see anything from a request in 2020, if I even sent it. I think I sent the 2021 request due to getting 'doorstep' letters. Since then I have been getting 'contactus' emails and text message, along with 'doorstep' threats. I've never had anyone come to the door. I've just been ignoring them. It's not on my report

2021

October - I got documents back from a CCA request sent 01/10/2021. I don't see anything from a request in 2020, if I even sent it. I think I sent the 2021 request due to getting 'doorstep' letters. Since then I have been getting 'contactus' emails and text message, along with 'doorstep' threats. I've never had anyone come to the door. I've just been ignoring them. It's not on my report.
The document received was just a 9 page cca pdf.

[The Tech Clerk]

Subject Access (SAR) - Typical Request - NOTE:- adjust deleting £10.00 etc (free now) they have 30 days to respond to you with all paperwork letters etc they hold on you, get free proof posting from royal mail and keep copies in date order in a file for easy reference and update diary of events etc.

forget 7 years facts are 6 years

[debrag]

Subject Access (SAR) - Typical Request - NOTE:- adjust deleting £10.00 etc (free now) they have 30 days to respond to you with all paperwork letters etc they hold on you, get free proof posting from royal mail and keep copies in date order in a file for easy reference and update diary of events etc.

forget 7 years facts are 6 years

Is this for Conexus/Uncle Buck?

[debrag]

Debt 1 Natwest Loan

Opened:	August 2016
Type:	Loan
Current Balance:	£4888
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.
February - Received letter from Zinc balance of £5667.01 (OD & Loan combined). 'Time is running out' letter
July - received letter to say their collection agents haven't been able to come to a suitable arrangement so my details have been passed to Moorcroft.
September - Received multiple letters from Moorcroft stating they have been unable to agree a repayment plan.
November - Discount offer letter received from Moorcroft.

2021
December - Marked as default/ended on credit report with a balance of £0. Has this been sold on?

2022
August - OD has been sold so debt is only for the loan. Now just gone into 5 years since default.

Should I be expecting some activity on this account now it's in it's 5th year?

[The Tech Clerk]

maybe towards end of, last ditch attempt? every case different, do not remind them.