Advice Please about UE route

[Never-In-Doubt]

Re: Advice Please about UE route

Overdrafts are dealt with differently -> http://forums.all-about-debt.co.uk/s...CA-Information

[Johng27]

Re: Advice Please about UE route

Debt 2

• Type of account - Fixed Term Loan agreement

• Date commenced 24th November 2003
  
  
• Approx balance - £11643.39
  
  
• Date last paid - 15th September 2016
  
  
• Are you on arrangement or not paying - Yes £50 per month
  
  
• Status - Default gone off file. was originally a CCJ but this is now off file as well
  
  
• Account owner Lombard Direct (OC) - Idem Servicing collecting (unsure whether debt transferred)

Have sent CCA to Niddy for assessment. Intersting was CCJ for £150 but think it has changed hands several times and now only pay £50

Niddy confirmed that as CCJ I need to continue paying. I am not sure whether there is scope for F & F but worth a try in the future

[Johng27]

Re: Advice Please about UE route

Debt 3

• Type of account - Credit Card agreement

• Date commenced 8th April 2002
  
  
• Approx balance - £6044.36
  
  
• Date last paid - 8th September 2016
  
  
• Are you on arrangement or not paying - Arrangement to pay
  
  
• Status - Default gone off credit file
  
  
• Account owner Lombard Direct (OC) - Westcott now collecting

CCA sent to Niddy

Confirmed by Niddy as enforceable however I am going to act dumb and see how far it goes

[Johng27]

Re: Advice Please about UE route

Debt 4

• Type of account - Credit Card agreement

• Date commenced 23rd November 1999
  
  
• Approx balance - £11732.93
  
  
• Date last paid - 15th September 2016
  
  
• Are you on arrangement or not paying - Arrangement to pay
  
  
• Status - Default gone off credit file
  
  
• Account owner PRA Group

CCA sent to Niddy

Confirmed by Niddy as . Stopping payment and await their next move

[Johng27]

Re: Advice Please about UE route

Debt 5

• Type of account - Credit Card agreement
• Date commenced 23rd November 1999

• Approx balance - £3075.66
  
• Date last paid - 12th July 2016
  
• Are you on arrangement or not paying - Arrangement to pay
  
• Status - Default on credit file with 3 years to run
  
• Account owner Lloyds Banking Group (OC)

I have sent a Niddy special to Lloyds stating non compliance of CCA request (This has been a year since original request) They have been sending gentle reminders for payment but thought I would expose the fact that they clearly have not got a copy.