UE diary

[Mikejleeds]

Wescot AAvisa/BOS £6515

Iqor / BOS £1214

Equidebt/Cooperative Bank £1398

Spratt Endicott Solicitors / Direct Line £4768

Blair Oliver Scott/BOS £625

All accounts are at least 10 years old

Outstanding amounts unconfirmed as DCM solutions before liquidation failed to make payments.

[Susie]

Re: UE diary

Best way to set it out is to copy the following

• Type of account (credit card/loan)
  
  
• Date commenced (ideally before Apr 2007)
  
  
• Approx balance
  
  
• Date last paid (approximate date you last made a FULL payment)
  
  
• Are you on arrangement or not paying
  
  
• Status (default/in arrears/up-to-date)
  
  
• Account owner (who is writing to you, a DCA or the lender)

and fill it in for each account so that the info is easily readable. Makes it easier for the experts to see what is likely or unlikely to be UE at a glance.

[Mikejleeds]

Re: UE diary

Account 1 AA VISA/BOS

• Type of account credit card
  
  
• Date commenced 2004
  
  
• Approx balance £6500
  
  
• Date last paid 2009
  
  
• Are you on arrangement or not paying Arrangement
  
  
• Status default

• Account owner Wescot collect statements from AA visa

Account 2 Direct Line

• Type of account loan
  
  
• Date commenced 2001

• Approx balance £4800
  
  
• Date last paid 2003
  

• Are you on arrangement or not paying arrangement
  
  
• Status default
  
• Account owner Spratt Endicott

Account 3 Cooperative Bank

• Type of account credit card
  
• Date commenced 2001
  
• Approx balance £1400
  
  
• Date last paid 2003
• Are you on arrangement arrangement
• Status default
  
• Account owner Equidebt/rare statements from coop

Account 4 Bank of Scotland

• Type of account credit card
  
• Date commenced 2001
  
• Approx balance £625
  
  
• Date last paid 2003
  
• Are you on arrangement arrangement
• Status default
  
• Account owner Blair Oliver Scott

Account 5 BOS

• Type of account credit card
  
• Date commenced 2001
  
• Approx balance £1300
  
  
• Date last paid 2003
  
  
• Are you on arrangement arrangement
• Status default
  
• Account owner Iqor/statements from BOS

All payments now stopped

[Undercover Elsa]

Re: UE diary

Which two of these have the CCJ's Mike?

[Mikejleeds]

Re: UE diary

The direct Line has the CCJ (unaware) I have another account not on here that i am paying on CCJ independantly

[Undercover Elsa]

Re: UE diary

Ahhh OK.
Are you up for sending for the agreements to see if they're enforceable or not?

You can do it for all of them in your list except Direct Line.
Here's the template/instructions...
http://www.all-about-debt.co.uk/temp...lity/s1-t1.php

[alangee]

Re: UE diary

How long have your credit card accounts been in default, Mike?

Alan

[Mikejleeds]

Re: UE diary

2 in 2010 the other 3 2003/2004