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  • #31
    Here we go then.....................

    1,
    Credit card
    Commenced June 2002
    £7300.90 outstanding
    Last paid Summer 2017
    Paying £1 per month
    Status is in default
    FirstDirect

    Comment


    • #32
      2,
      Credit card
      Commenced Oct 2003
      £13491.09 outstanding
      Last paid Summer 2017
      Paying £1 per month
      Status is in default
      Barclaycard now assigned to PRA

      Comment


      • #33
        3,
        Credit card
        Commenced July 2005
        £9767.33 outstanding
        Last paid Summer 2017
        Paying £1 per month
        Status is in default
        MBNA now assigned to PRA

        Comment


        • #34
          4,
          Credit card
          Commenced Aug 2009
          £18289.65 outstanding
          Last paid Summer 2017
          Paying £1 per month
          Status is in default
          MBNA but assigned to PRA

          Comment


          • #35
            5,
            Credit card
            Commenced Jan 2012
            £6881.00 outstanding
            Last paid Summer 2017
            Paying £1 per month
            Status up to date
            Creation assigned to Lowells

            Comment


            • #36
              6,
              Credit card
              Commenced Jan 2013
              £5551.21 outstanding
              Last paid Summer 2017
              Paying £1 per month
              Status is in default
              Tesco

              Comment


              • #37
                7,
                Credit card
                Commenced Not sure but during or just after 2013
                £3690.02 outstanding
                Last paid Summer 2017
                Paying £1 per month
                Status is in default
                Originally Tesco but being dealt with by Westcott

                Comment


                • #38
                  8,
                  Loan
                  Commenced March 2017
                  £11098.66 outstanding
                  Last paid Summer 2017
                  Paying £1 per month
                  Status is up to date
                  Creation now assigned to Lowells

                  Comment


                  • #39
                    Originally posted by Flowingone View Post
                    Here we go then.....................

                    That's really helpful.

                    I'll take a look at each one separately and make suggestions - no doubt I'll be asking some questions before I can do that.

                    Di

                    Comment


                    • #40
                      Originally posted by Flowingone View Post
                      3,
                      Credit card
                      Commenced July 2005
                      £9767.33 outstanding
                      Last paid Summer 2017
                      Paying £1 per month
                      Status is in default
                      MBNA now assigned to PRA

                      Was this MBNA account assigned direct to PRA or was it assigned to anyone first such as Aktiv Kapital, and what year was it assigned?

                      Di

                      Comment


                      • #41
                        Di,

                        Direct to PRA and assigned April 2018

                        Comment


                        • #42
                          Originally posted by Flowingone View Post
                          Di,

                          Direct to PRA and assigned April 2018

                          Shall I assume they were all defaulted and assigned in 2018 with the exception of No 1, 6 and 7?

                          The first thing to do is send a s77-79 CCA Request to each of them by Royal Mail Recorded Delivery enclosing a £1 postal order.

                          It’s important to send each one in a separate envelope even though some of them are with the same debt purchaser such as PRA and/ or Lowell.

                          I can post a link to the forum’s CCA Request template letter if you haven’t already seen it.

                          Di

                          Comment


                          • #43
                            CCA Request
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment


                            • #44
                              Originally posted by The Tech Clerk View Post
                              Thank you Techie for providing swift Room Service as usual

                              Di

                              Comment


                              • #45
                                Originally posted by Diana Mayhew View Post

                                Shall I assume they were all defaulted and assigned in 2018 with the exception of No 1, 6 and 7?
                                Di
                                Yes correct

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