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  • #1

    Lollypops UE Diary

    Here is my debt diary.... quick update currently on a DMP with CCCS however I am due to go on maternity in March 2011 so will struggle to maintain DMP really hoping some of my debts will be UE will really appreciate your help and advice to get the ball rolling...I am so stressed out with it all I dont know which way to turn. I have taken the below info from my Experian credit file..

    My other thread can be found here: ---> viewtopic.php?f=13&t=771

    Debt 1
    Barclaycard Visa
    Started September 1998
    Current balance £5207
    Status: 6 payments late
    last payment from CCCS on 1st Nov have agreed to stop interest until March 2011
    recently transfered to Calders Financial

    Debt 2
    Marks & Spenser personal loan
    Started Feb 2005
    current balance £6561
    Status: Defaulted on 11/08/10
    last payement from CCCS on 1st Nov no interest being applied (think it was front loaded)

    Debt 3
    Mint credit card
    Started March 2005
    Current balance £5585
    Status: Defaulted on 21/05/10
    last payement from CCCS on 1st Nov still adding interest

    Debt 4
    Halifax credit card
    Started March 2006
    Current balance £7134
    Status: Defaulted on 19/8/10
    passed to Blair Oliver & Scott Ltd
    last payment from CCCS on 1st Nov

    Debt 5
    Citi Financial credit card
    started December 2006
    Current balance £3720 still adding interest
    Status: Defaulted 30/09/10
    Due to be taken over by Opus 21st November 2010
    last payement from CCCS on 1st Nov still adding interest

    Debt 6
    Overdraft Barclays Bank
    Current balance £2750
    status: Satisfactory
    last payement from CCCS on 1st Nov still adding interest (I appreciate cant go UE with this)

    I will await your words of wisdom thank you in advance !
    Tags: 1st, account, action, address, arrangement, bank, bank account, barclaycard, barclays, blair oliver, cca, cca request, comi, con, credit, creditors, dca, debt, defaulted, dmp, email, experian, financial, fine, free, fun, halifax, interest, lease, letter, loan, mas, niddy, pay, people, personal, phone, prescribed terms, repayments, signature, template, thank you, threat, ue diary, unenforceable, update, world
  • #2
    Re: Lollypops debt diary...

    Hi Lolly, and thank you for joining us. Firstly, please don't worry; being stressed is no good to you, and at the end of the day, creditors come last on the list of people to pay when you are having difficulty! You are in good company here, and will be guided well - so relax - you are not alone on your journey.

    Niddy will be around within a couple of days, and will pick up on your thread, but in the meantime do we assume you have never sent the CCA request letter to any of the above? It will help you to take a look at some of the diaries on here already, so you can see the process in action, and how best to update your thread. It is important that all letters you send are sent via recorded delivery - keep copies of ALL correspondence and attach your postal receipt to letters sent. Don't speak to any creditor on the phone - all communication in writing only.

    Also, do you have a bank account that you use for everyday transactions, other than the Barclays Bank one?
    If not, it is definately worth considering, and should be with a bank that you have no other financial link with.

    All the best with your journey, and please, do come and join us on the other threads; we are a nice bunch, and we support each other.

    DD xxx
    If happy little bluebirds fly, beyond the rainbow, why, oh why can't I?

    sigpic

    Comment

    • #3
      Re: Lollypops debt diary...

      Hi DD,

      Thank you so much for your reply, no I have never sent CCA requests off - I take it from reading the diaries that I should do this and then email them over to Niddy when I get them back? (I think I may have my copy of the original one for my M&S loan)

      I have a bank account with Coperative as per advice from CCCS so I am safe on that front!

      This site is a god send I really appreciate your help and guidance!

      Lolly xx

      Comment

      • #4
        Re: Lollypops debt diary...

        Hiya

        Request a CCA for each debt above excluding the bank account, and them email me anything they send back - to my live address (see signature below)....

        CCA Request ---> viewtopic.php?p=603#p603

        Just update this diary as and when anything happens. I've linked this diary to your other thread as well, and vice versa...

        Niddy 2
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #5
          Re: Lollypops debt diary...

          Thank you!

          I will get the requests sent off and get back to you

          Lolly

          Comment

          • #6
            Re: Lollypops debt diary...

            Okies, keep us updated.... in the meantime feel free to browse and chat in the chat forums and get to know people..... you'll have a fun time! gh
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

            Comment

            • #7
              Re: Lollypops debt diary...

              Hiya,

              CCA requests all ready to go just a quick question... do I send it to the DCA or the original creditor for the ones that have been sold on?

              Thanks

              Comment

              • #8
                Re: Lollypops debt diary...

                Whoever owns the debt, ie whoever hassling you to pay!
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment

                • #9
                  Re: Lollypops debt diary...

                  Hi NID I have a few updates at last... so here goes

                  Debt 1
                  Barclaycard Visa
                  Started September 1998
                  Current balance £5207
                  Status: 6 payments late
                  last payment from CCCS on 1st Nov have agreed to stop interest until March 2011
                  recently transfered to Calders Financial
                  ***CCA request sent 16/11/10
                  ***Letter from B/card 22/11/10 "we are dealing with your requests and will respond asap"
                  __________________________________________________ ____________________________________________

                  Debt 2
                  M&S personal loan
                  Started Feb 2005
                  current balance £6561
                  Status: Defaulted on 11/08/10
                  last payement from CCCS on 1st Nov no interest being applied (think it was front loaded)
                  ***CCA request sent 16/11/10
                  *** received 03/12/10 - will email it over to you

                  __________________________________________________ _______________________________

                  Debt 3
                  Mint credit card
                  Started March 2005
                  Current balance £5585
                  Status: Defaulted on 21/05/10
                  last payement from CCCS on 1st Nov still adding interest
                  ***CCA request sent 16/11/10
                  *** received will email it over to you

                  __________________________________________________ __________________________________________________ __

                  Debt 4
                  Halifax credit card
                  Started March 2006
                  Current balance £7134
                  Status: Defaulted on 19/8/10
                  passed to Blair Oliver & Scott Ltd
                  last payment from CCCS on 1st Nov
                  ***CCA request sent 16/11/10
                  *** received a letter saying " its enforcable and we will not enter any further discussion with you" they have enclosed 10 double sided pages of what they say is my CCA it has my name & address typed on it but no sig etc I will email you the letter and the first page not sure if you need or want all 10?!

                  __________________________________________________ __________________________________________________ _____

                  Debt 5
                  Citi Financial credit card
                  started December 2006
                  Current balance £3720 still adding interest
                  Status: Defaulted 30/09/10
                  Due to be taken over by Opus 21st November 2010
                  last payement from CCCS on 1st Nov still adding interest
                  ***CCA request sent 16/11/10
                  ***letter received from Clarity on 30/11/10 saying that they have asked thier client for the info and will be in contact once received -they also returned my £1 postal order.

                  __________________________________________________ ________________________________________
                  I hope I have updated this right? I am now going to tackle the scanner and hopefully get the attachments emailed over to you.....!!

                  Thanks in advance

                  Lolly

                  Comment

                  • #10
                    Re: Lollypops debt diary...

                    Hi Lollypop,

                    Good luck with your UE journey, you're in a good place here with the great help/advice that NID gives and the great advice from other forum posters.

                    Just remember we're all on this journey together - some are further down the road than others - but we can all help each other by updating our diaries to reflect the latest letters/contact from creditors so we have a rough idea what might happen next (although all diaries/UE journeys are not the same).

                    I note from your diary that you have accounts with Barclaycard and Citi and so do I. I CCA'd Barclays at the beginning of October and other than "we are dealing with your request and will respond asap" I've heard nothing since (tempting fate now !) And as for Citi I've been back and forth with there DCA requesting a CCA and I've now sent direct to Citi for the CCA. I do have other accs with other creditors (as you can see from my diary) but I mention the above two as you have them too.

                    So I wish you good luck with your UE journey.
                    Oct Revolution


                    Any new updates to my diary will be highlighted in RED

                    Comment

                    • #11
                      Re: Lollypops debt diary...

                      Looks promising !! Good Luck
                      I hereby promise to treat Debt Collection Agencies with the same values that they treat me. UTTER CONTEMPT !!

                      Comment

                      • #12
                        Re: Lollypops debt diary...

                        Hi October Revolution & billypre

                        Thank you for your posts -it's such a relief to know that I am not the only one in the world going through this! this site is such a god send you are all so welcome and supportive. Reading other peoples diaries has really helped me so hopefully mine will help others too as I battle through my deby journey!

                        just keeping my fingers crossed that some of mine are UE....

                        Lolly

                        Comment

                        • #13
                          Re: Lollypops debt diary...

                          Originally posted by Lollypop
                          Debt 2
                          M&S personal loan
                          Started Feb 2005
                          current balance £6561
                          Status: Defaulted on 11/08/10
                          last payement from CCCS on 1st Nov no interest being applied (think it was front loaded)
                          ***CCA request sent 16/11/10
                          *** received 03/12/10 - will email it over to you
                          Hiya

                          Not a great start, as this was the first email I checked, the M&S account is clearly enforceable due to their being all the prescribed terms attached within page 1. You need to continue to pay this or at least look at coming to some arrangement......

                          Sorry.....
                          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                          Comment

                          • #14
                            Re: Lollypops debt diary...

                            Originally posted by Lollypop
                            Debt 3
                            Mint credit card
                            Started March 2005
                            Current balance £5585
                            Status: Defaulted on 21/05/10
                            last payement from CCCS on 1st Nov still adding interest
                            ***CCA request sent 16/11/10
                            *** received will email it over to you
                            This is also enforceable; however as it is an application you can blag it and see how far Mint are prepared to go with this, but in the main it would be classed as enforceable i'm afraid.

                            To blag it, respond with the following and keep us updated with responses: ---> viewtopic.php?p=1629#p1629

                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                            Comment

                            • #15
                              Re: Lollypops debt diary...

                              Originally posted by Lollypop
                              Debt 4
                              Halifax credit card
                              Started March 2006
                              Current balance £7134
                              Status: Defaulted on 19/8/10
                              passed to Blair Oliver & Scott Ltd
                              last payment from CCCS on 1st Nov
                              ***CCA request sent 16/11/10
                              *** received a letter saying " its enforcable and we will not enter any further discussion with you" they have enclosed 10 double sided pages of what they say is my CCA it has my name & address typed on it but no sig etc I will email you the letter and the first page not sure if you need or want all 10?!
                              At last some better news! This is unenforceable as there are no prescribed terms at all, let alone linked to your original CCA Plus they confirm in their opening letter that they have sent a recon. Quite simply, cease repayments to this and respond with the following: ---> viewtopic.php?p=1623#p1623

                              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                              Comment

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