Good bye Debt - Hooker Acc's

[Hooker]

Barclaycard Credit Card ****099

• Date commenced - 22/07/1981
• Approx balance at default - £16,429
• Default - 13/06/2015
• DMP commenced with Debt Advisory Line 01/08/2015
• DMP transferred to Gregory Pennington ( DAL take over) December 2017
• Last payment to GP - September 2018
• Account owner - PRA Group (UK) Ltd
• Balance - £11,594
• Status - Default

CORRESPONDENCE

1. SAR letter sent to GP - 15/10/2018
2. Email response from GP - 03/11/2018 including summary of debt ie Owner , balance & reference
3. Email to GP 03/11/2018 - SAR letter attached and request for release of all information held
4. 77-79 CCA letter sent 6/11/18
5. 09/11/2018 Letter from PRA advising they have requested information & put account on hold.
6. 27/11/18 - Letter from Barclaycard - No longer hold a copy of the executed agreement BUT Regulation 9 of CNC Reg's confirms that for acc's opened before 1985 ( as mine) the copy agreement may comprise an easily legible statement of current terms.......... Due to the current status of your account the full outstanding balance is due.
7. PRA Group letter 29th November 2018 - Encloses the B'card letter 27/11/18. We are awaiting further documents & currently deem your debt unenforceable . Please be advised that debt is not written off & we are legally entitled to ...Contact you and ask that you pay ... Pass details on to 3rd part collection agency ... Continue to report account to credit reference bureaux.
8. 11/01/19 PRA letter - ' We are currently awaiting further information to enable us to resolve the dispute ......
9. 21/02/2019 - Letter from PRA - Apologising that two letters had be sent , one saying account was unenforceable & the other providing copy of updated terms & conditions which demonstrate account is enforceable. Also states that as the agreement is pre 1985 the creditor does not have to send copy of agreement and terms
10. 19//09/2019 Account summary £10,805.78 owed
11. 25/10/2019 Letter " Could you settle account if one-off discount offered . Pay £9725.20 to settle
12. 28/11/2019 Ditto

[Hooker]

Capital One (Europe) Ltd Credit Card ****770

• Date commenced - 16/02/2005
• Approx balance at default - £11,344
• Default - 22/01/2013
• DMP commenced with Debt Advisory Line 01/04/2013
• DMP transferred to Gregory Pennington ( DAL take over) December 2017
• Last payment to GP - September 2018
• Account owner - Capital One (Europe) Ltd
• Balance - £6,764
• Status - Default

CORRESPONDENCE

1. SAR letter sent to GP - 15/10/2018
2. Email response from GP - 03/11/2018 including summary of debt ie Owner , balance & reference
3. Email to GP 03/11/2018 - SAR letter attached and request for release of all information held
4. 77-79 CCA letter sent 6/11/18
5. 13/11/2018 - Letter from Cap' One - "Thank you for telling us about your financial situation " ..." We can help get you on track with one of our payment plans..". " Please return completed form". Assume I ignore ?
6. 20-11-18 Letter from Capital enclosing ' reconstituted copy' of original agreement & scanned copy of signed page .Statement that my agreement is enforceable & that it will be treated as such . Account is in default.
7. 02-12-18 - Advice from Niddy following review of Cap' 1 document - "Looks UE to me. Just some random terms. Should be easy enough to find more faults on this"
8. 14-12-2018 Letter - ' As you have been issued previously with a default etc etc . It is important you a0 contact us , b) pay balance , c)contact independent
9. 27/08/2019 - Letter advising account sold to Lowell Portfolio ltd
10. 27/8/2019 Letter from Lowell advising debt amount £6662.21

[Hooker]

MBNA Credit Card ****817

• Date commenced - 07/07/2004
• Approx balance at default - £11,499
• Default - 30/11/2012
• DMP commenced with Debt Advisory Line 01/04/2013
• DMP transferred to Gregory Pennington ( DAL take over) December 2017
• Last payment to GP - September 2018
• Account owner - Link Financial Outsourcing Ltd
• Balance - £6,832
• Status - Default

CORRESPONDENCE

1. SAR letter sent to GP - 15/10/2018
2. Email response from GP - 03/11/2018 including summary of debt ie Owner , balance & reference
3. Email to GP 03/11/2018 - SAR letter attached and request for release of all information held
4. 77-79 CCA letter sent 6/11/18
5. 12/11/18 - Letter from Link confirming Gregory Pennington not acting any more. Please contact us to discuss future repayments .
6. 16/11/18 - Letter from Link advising account due for an affordability review . Three options to proceed & number for assistance. Assume I ignore
7. 26/11/18 - Letter from Link - monthly payment overdue . If not paid immediately plan will be cancelled (!) and full outstanding balance due
8. 17-12-18 Letter advising I am due for affordability review. If we don't hear from you we will continue with repayment plan set up with DMP
9. 08/01/2019 Letter from Link.. " You have failed to make regular payments in accordance with agreed schedule ( with DAL ) ... and we have cancelled the agreement. Please contact us to discuss
10. 05/04/2019 Statement of Account - Current balance £6729.05 . Shows £1 Recoverable charge of £1 & Credit of £1 ..
11. 28/08/2019 Letter from Link enclosing documents reference Sect 77/78 request. The . States accounts are enforceable and requests monthly payment plan agreed. Appears not to be any signed docs
12. 04/10/2019 Ditto . No £1 charges
13. 13/01/2020 Letter ..."We would like to contact you to confirm your intentions regarding outstanding balance .."
14. Regular phone calls & messages
15. 20/01/2020 Called them back & mentioned paying 40% of debt & they confirmed amounts outstanding as above in email after

[Hooker]

MBNA Credit Card ****423

• Date commenced - 23/01/2006
• Approx balance at default - £9,379
• Default - 31/01/2013
• DMP commenced with Debt Advisory Line 01/04/2013
• DMP transferred to Gregory Pennington ( DAL take over) December 2017
• Last payment to GP - September 2018
• Account owner - Link Financial Outsourcing Ltd
• Balance - £5,573
• Status - Default

CORRESPONDENCE

1. SAR letter sent to GP - 15/10/2018
2. Email response from GP - 03/11/2018 including summary of debt ie Owner , balance & reference
3. Email to GP 03/11/2018 - SAR letter attached and request for release of all information held
4. 77-79 CCA letter sent 6/11/18
5. 12/11/18 - Letter from Link confirming Gregory Pennington not acting any more. Please contact us to discuss future repayments .
6. 16/11/18 - Letter from Link advising account due for an affordability review . Three options to proceed & number for assistance. Assume I ignore
7. 26/11/18 - Letter from Link - monthly payment overdue . If not paid immediately plan will be cancelled (!) and full outstanding balance due
8. 17-12-18 Letter advising I am due for affordability review. If we don't hear from you we will continue with repayment plan set up with DMP
9. 08/01/2019 Letter from Link.. " You have failed to make regular payments in accordance with agreed schedule ( with DAL ) ... and we have cancelled the agreement. Please contact us to discuss
10. 05/04/2019 Statement of Account - Current balance £5,489.16 . Shows £1 Recoverable charge of £1 & Credit of £1 ..
11. 28/08/2019 Letter from Link enclosing documents reference Sect 77/78 request. The . States accounts are enforceable and requests monthly payment plan agreed. Appears not to be any signed docs
12. 04/10/2019 Ditto . No £1 charges
13. 13/01/2020 Letter ..."We would like to contact you to confirm your intentions regarding outstanding balance .."
14. Regular phone calls & messages
15. 20/01/2020 Called them back & mentioned paying 40% of debt & they confirmed amounts outstanding as above in email after

[Hooker]

? MBNA Credit Card ****424

• Date commenced - 02/08/2007
• Approx balance at default - £10,500
• Default - 31/01/2013
• DMP commenced with Debt Advisory Line 01/04/2013
• DMP transferred to Gregory Pennington ( DAL take over) December 2017
• Last payment to GP - September 2018
• Account owner - Link Financial Outsourcing Ltd
• Balance - £6,235
• Status - Default

CORRESPONDENCE

1. SAR letter sent to GP - 15/10/2018
2. Email response from GP - 03/11/2018 including summary of debt ie Owner , balance & reference
3. Email to GP 03/11/2018 - SAR letter attached and request for release of all information held
4. 77-79 CCA letter sent 6/11/18
5. 12/11/18 - Letter from Link confirming Gregory Pennington not acting any more. Please contact us to discuss future repayments .
6. 16/11/18 - Letter from Link advising account due for an affordability review . Three options to proceed & number for assistance. Assume I ignore
7. 26/11/18 - Letter from Link - monthly payment overdue . If not paid immediately plan will be cancelled (!) and full outstanding balance due
8. 17-12-18 Letter advising I am due for affordability review. If we don't hear from you we will continue with repayment plan set up with DMP
9. 08/01/2019 Letter from Link.. " You have failed to make regular payments in accordance with agreed schedule ( with DAL ) ... and we have cancelled the agreement. Please contact us to discuss
10. 05/04/2019 Statement of Account - Current balance £6,142.02 . Shows £1 Recoverable charge of £1 & Credit of £1 ..
11. 28/08/2019 Letter from Link enclosing documents reference Sect 77/78 request. The . States accounts are enforceable and requests monthly payment plan agreed. Appears not to be any signed docs
12. 04/10/2019 Ditto . No £1 charges
13. 13/01/2020 Letter ..."We would like to contact you to confirm your intentions regarding outstanding balance .."
14. Regular phone calls & messages
15. 20/01/2020 Called them back & mentioned paying 40% of debt & they confirmed amounts outstanding as above in email after