CCA check

[dmdm85]

That is all of them 4 accounts in total.

[dmdm85]

MBNA credit card
Opened 2016
Last full payment September 2018
Regular £36 monthly payments until now
Remaining balance £5000

[dmdm85]

Tesco Bank Credit card passed on to Wescot August 2020 Letter received from Wescot 15th october phone call on 21st October.
Opened 2004
Last full payment date September 2018
Regular £60 monthly payments up until now
Remaining balance £10,000

[dmdm85]

Tesco Bank Personal loan still with Tesco bank.
Opened 2017
Last full payment date September 2018
Regular £125 monthly payments up until now
Remaining balance £19500

[dmdm85]

Barclaycard credit card account now with PRA
Opened 2011
Last full payment made September 2018
Been making regular £80 monthly payments up until now
Remaining Balance £13,000
This is the the account I asked for the CCA check on

[dmdm85]

Thanks for the reassurance I will get on to that list now. Most of the debts are pretty large and quite recent but all advice will be much appreciated.

[nightwatch]

Hi.
1st no questions are stupid,
2nd, while you are paying you will have little chance of getting a low F+F
3rd welcome to AAD

you can start your diary here if you like,
a separate post for each account as follows;

who was original account with
who is account with now,( who are payment made to)
what year did you open the account
when did you last make a full payment to the account
are you still paying to the account, if not when was last reduced payment
is it a loan,credit card, overdraft etc...
amount owing, just a ball park figure

sorry for so many questions, but it helps to know the above, to enable us to help you take control of your debt, not let them control you.

NW

[dmdm85]

Thanks for the helpful advice guys. If I am honest I guess I am just a little worried about completely ignoring it. I thought most people just offered a low settlement figure. I have just been plodding along paying a payment plan every month for the last 18 months or so to each of my debts. Do I make a diary on this post or is there a specific place to do this. Also is this just a matter of listing my debts and who they are with etc? Sorry for all the stupid questions. Thanks all.

[nightwatch]

The Idea of following the UnEnforcable (UE) route is to maintain silence as Roger says above.
if you speak to them or email them you are saying "Hello , yes this is my debt" admiting the debt is yours.
if it is UE they can't do much about it,
they can ask for payment, BUT you do not have to pay and they cannot go through the courts to collect
Yes you took it out, yes you spent it, BUT, If they do not have the correct paper work from when first opened , Credit agreement, T&C at time of opening , T&C at default, compliant Default, statements are not really part of A CCA but some DCA'S like you to think they are, along with a host of other thing's they are very unlucky,

You do not point this out to them, as they will try very hard to rectify it.
all template letters on this site are worded so that you do not admit the debt, if you should have to send a reply to any letter received.

so the aim is to reach 6 years from last payment/ admittance of the debt to make it Statute barred, meaning once there they have little to no chance of taking you to court.
this should give you time to put some money to one side as a 'safty net' for any that are enforceable, to hopefully get settled with a small F&F (full+final) payment

hope this help's explain things

NW

PS, I noticed you said this is ONE of your debts, why not start a diary of them to see if we can help with the rest. xx

[Roger]

Hi thanks for the reply. I have not phoned them I spoke to them via email and reminded them that I will not accept calls only communication via email or in writing. Di has taken a look and her opinion is it is unenforceable. I only managed to send her photos over so I am not sure if she will need to take another look when I can get to a scanner to send scanned copies. Thanks again.

".. I spoke to them via email and reminded them that I will not accept calls only communication via email or in writing .." WHY?

The AAD way is SILENCE especially if a CCA is UE and could possibly be corrected!!

This means the only communication is by SNAIL Mail (postage with evidence of posting)
NO emails, sms, phone calls morse code, semaphore or whatever to PRA!
Send all PRA's emails to SPAM.
Block all their Phone numbers.
Ignore file and SILENCE.

[dmdm85]

Hi thanks for the reply. I have not phoned them I spoke to them via email and reminded them that I will not accept calls only communication via email or in writing. Di has taken a look and her opinion is it is unenforceable. I only managed to send her photos over so I am not sure if she will need to take another look when I can get to a scanner to send scanned copies. Thanks again.

[nightwatch]

Hi, Please do not phone PRA, all comunication should be in writing, so that there is a paper trail and proof of what is agreed should it be needed,
on the phone they could say one thing and do another.
The reason for checking a CCA is to see if the agreement is enforceable or not, sometimes you will be sent some papers and TOLD that the agreement is enforceable, when what they have sent looks right to you but is, in fact, a load of twaddle.
you have not said if Di has said if it is enforceable or not, so I cannot give you any advice as what to do next.

NW

[dmdm85]

Hi Di hope all is well I sent you an email as I was a little unsure on some of the things you mentioned yesterday. You said to post something on here but I cant remember what it was you said. I emailed PRA today and advised them I was dropping down to a £5 monthly payment for a few months while I got some advice on the documents they sent through. They have accepted this so hopefully this will give me a bit of time to decide my next move. Thanks again for your help.

[Joanna Connolly Solicitors]

I have sent these over to you. Just let me know if you need any further info.

I’ve replied to your email

Di

[dmdm85]

Thank you I have sent these over to you. Just let me know if you need any further info. Much appreciated.