DaveyBoys UE enquiry

[DaveyBoy]

Re: DaveyBoys UE enquiry

At the moment all my payments will currently be up to date however last week i cancelled my standing order so they wont be for much longer.

[DaveyBoy]

Re: DaveyBoys UE enquiry

Current situation as follows. Any advice on any action needed to be taken much appreciated.
All my DMP payments are up to date but payment is now cancelled

1 - DMP payment cancelled. Do I inform DMP provider and tell them why?
2 - Barclayloan - Niddy says enforceable,
3 - Barclays Overdraft - Not CCA'd,
4 - Cahoot Flexi Loan - Niddy says nearly always UE, now awaiting reply to missing prescribed terms letter,
5 - Egg loan - No reply to CCA sent 6 weeks ago but strangely got 1 letter and numerous phone calls asking me to contact them. Have only ever previously had statements of them.
6 - Egg card - Letter acknowledging CCA request , no further news.

Probably all quiet as payments up to date. Do I just sit and wait?

[Pixie]

Re: DaveyBoys UE enquiry

Not sure if you need to notify the DMP provider but as for the others, I'd just wait and see what gets sent next.

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

Just let the dmp company know; it's polite

[DaveyBoy]

Re: DaveyBoys UE enquiry

Right will do that today then as I am a polite lad! Thanks guys

[DaveyBoy]

Re: DaveyBoys UE enquiry

Quick query. Sent a missing prescribed terms letter out last month recorded delivery but according to royal mail website "we have your item" and "its been processed through our network for delivery".
Do I assume this has been lost and send another one out to creditor and if so do i need to change the date or will a copy of the original suffice?
Cheers

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

Nope it'll be bulk signed for meaning they'll have it - point is you still have proof of postage, that's all you need

[DaveyBoy]

Re: DaveyBoys UE enquiry

Egg

Credit Card
Commenced March 2006
Balance outstanding £3,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Jan 2007
Owner Now Barclaycard

Feb 2012 - CCA Request Sent
12+2 days passes then
Feb 2012 - Letter from Barclaycard 'we acknowledge receipt of your request, we are dealing with and will respond as soon as possible'
Apr 2012 - CCA Recieved
Emailed Niddy
Apr 2012 - Niddy says 'All this is is a recon, holds no substance and is all the way'

Great news so how do I play this one now? Cheers

[MrsD]

Re: DaveyBoys UE enquiry

nothing wait and see what happens next.....................

[DaveyBoy]

Re: DaveyBoys UE enquiry

Egg

Loan
Commenced December 2005
Balance outstanding £7,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Feb 2007
Owner Now Apex Credit Management

Feb 2012 - CCA Request Sent
12+2 days passes and no reply
Mar 2012 - Letter from Apex acknowledging me making regular payments and offering a reduced settlement with a discount of up to 50% off the remaining balance. Still no CCA...............Ignored
May 2012 - Letter from Apex telling me paymant plan in arrears and is now in a state of default. Payment of arrears required within 72 hours. Still no CCA

Ignore I suspect? Cheers guys

[Never-In-Doubt]

Re: DaveyBoys UE enquiry

Ignore

[DaveyBoy]

Re: DaveyBoys UE enquiry

Thanks Niddy, now they aint gettting my hard earned i suspect this will be the first of many!

[DaveyBoy]

Re: DaveyBoys UE enquiry

Egg

Loan
Commenced December 2005
Balance outstanding £7,000
Last Full Payment Oct 2006 i think
Been on DMP since Jan 2007
Default Feb 2007
Owner Now Apex Credit Management

Feb 2012 - CCA Request Sent
12+2 days passes and no reply
Mar 2012 - Letter from Apex acknowledging me making regular payments and offering a reduced settlement with a discount of up to 50% off the remaining balance. Still no CCA...............Ignored
May 2012 - Letter from Apex telling me paymant plan in arrears and is now in a state of default. Payment of arrears required within 72 hours. Still no CCA.............Ignored
May 2012 - Letter from Apex telling me account still in arrears. Contact them to discuss to avois escalation of account. Still no CCA..............Ignored
May 2012 - Letter from Apex confirming "at present we are unable to obtain suitable copies of the required documentation from the original creditor in order to comply with your request" and "in light of this we will be removing your account from our normal collection activity." They go on to state "Although at this time your account is UE, we must advise you that the debt still remains, the balance is due and suitable collection activity may continue despite the unenforceability. We recommend payments are made to reduce outstanding liability and advise that at any time we may produce a recon copy of your agreement which would restore the enforceability." They have also sent me a cheque for £1.00 refunding the fee paid for this service.

Great news and a cheque to boot. Think I'll frame it.
So what is suitable collection activity and what are the chances of a recon restoring enforceability?

[Pixie]

Re: DaveyBoys UE enquiry

I wouldn't worry too much about them providing a recon.

We'll cross that bridge when and if it happens.

The account will probably be passed to another dca now. Just let us know when you next receive anything.

[Deepie]

Re: DaveyBoys UE enquiry

Great news and a cheque to boot. Think I'll frame it.
So what is suitable collection activity and what are the chances of a recon restoring enforceability?

If it was me I Would keep that letter safe if anybody writes to you I'd send this--------->CCA Query - Letter Previously Confirming No CCA