AllTheHelp's UE Diary...

[AllTheHelp]

Hi everyone :-)

I've only recently discovered this site and there is some excellent information on here that's really given me the confidence to try to tackle head on my debts. I have been on a DMP with SC for approximately 8 years and still, at the rate I'm currently paying, have another 15+ years to go. My debt when I first started my DMP was in excess of £115k and now stands at around £80k. I am however not finding my monthly payments easy and, if I'm honest, have of late started to feel quite bitter towards my creditors as I don't believe someone on the salary I was earning (approx £20k per annum) should have been (very willingly) given over £120k worth of credit. I am now feeling that my creditors should assume some responsibility for this - although I obviously take responsibility for using the money and getting myself way in over my head. Unfortunately a divorce and trying to keep a roof over my young daughters head caused me to build the debt up through living and then "robbing Peter to pay Paul".

I believe that the majority of my debts are pre-2007 and I am therefore very keen to ascertain their enforceability which will hopefully enable me to offer some low F&F's to try and get debt free quicker. I am also aware that those that are unenforceable could potentially be ignored but that worries me.... Also I have just made my last payment via SC and will be notifying them that I am self-managing going forward.

I will try and remember as many of the details as possible but some may not be 100% accurate as it is now quite a while ago. Updated: I've added as much info as I can at the moment and will update any more as I find it.

Lloyds TSB

Credit Card
Commenced approx 2002
Approx balance £9000
Date last paid in full approx May 2009
Arrangement approx £50 per month - Last payment June 2017
Status Default
Owner PRA

June 2017 - Sent CCA request
June 2017 - Received response that they have requested the information and my account is currently on hold & £1 fee returned as goodwill gesture
July 2017 - Stopped payments until I hear further
Aug - Received a letter confirming PRA consider the debt currently UE and that they may still ask me to pay...
May 2018 - No further correspondence since August 2017

[AllTheHelp]

HSBC Gold Card

Credit Card
Commenced approx 1998
Approx balance £7000
Date last paid in full approx May 2009
Arrangement approx £40 per month - currently paying
Status Default
Owner Cabot

June 2017 - Sent CCA request
No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
July 18th - Still no response - assume now counts as UE although I didn't get proof of receipt. Should I resend recorded delivery? It is only Cabot that have not responded to my CCA's now.

[AllTheHelp]

Barclaycard

Credit Card
Commenced approx 1993
Approx balance £5000
Date last paid in full approx May 2009
Arrangement approx £28 per month - currently paying
Status - Not Defaulted & still reporting to Credit File
Owner Cabot

June 2017 - Sent CCA request
No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
July 18th - Still no response - assume now counts as UE although I didn't get proof of receipt. Should I resend recorded delivery? It is only Cabot that have not responded to my CCA's now.
July - Written to Barclaycard to request a backdated default.
December - settled for 20%

[AllTheHelp]

Barclaycard

Credit Card
Commenced approx 1994
Approx balance £4500
Date last paid in full approx May 2009
Arrangement approx £20 per month - currently paying
Status - Not Defaulted & still reporting to Credit File
Owner Cabot

June 2017 - Sent CCA request
No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
July 18th - Still no response - assume now counts as UE although I didn't get proof of receipt. Should I resend recorded delivery? It is only Cabot that have not responded to my CCA's now.
July - Written to Barclaycard to request a backdated default.
January - settled for 25%

[AllTheHelp]

Capital One

Credit Card
Commenced approx ?? (Fairly sure it was pre-2007)
Approx balance £6000
Date last paid in full approx May 2009
Arrangement approx £35 per month - currently paying
Status - Defaulted
Owner Capital One

[AllTheHelp]

Marbles

Credit Card
Commenced approx 2001
Approx balance £7000
Date last paid in full approx May 2009
Arrangement approx £35 per month - currently paying
Status - Not Defaulted & still reporting to Credit File
Owner Capquest

June 2017 - Sent CCA request
No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
July - Response received that the request has been passed on to the original creditor.

[AllTheHelp]

HSBC Online Card

Credit Card
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £6500
Date last paid in full approx May 2009
Arrangement approx £35 per month - currently paying
Status - Defaulted
Owner HFC

[AllTheHelp]

Halifax

Credit Card
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £7500
Date last paid in full approx May 2009
Arrangement approx £40 per month - last Payment June 2017
Status - Defaulted
Owner Idem Capital

June 2017 - Sent CCA request
June 2017 - Responded to say they would endeavour to respond within the 12 day period.
July 2017 - Responded to say currently unable to supply a copy of the CA and acknowledge that until they do the account is unenforceable. State I'm free to take whatever action I deem appropriate but they will not release me from my obligations under the agreement.
July 2017 - Stopped payments until I hear further
Aug - CA received - have forwarded to Niddy to look at for me

[AllTheHelp]

M&S Card

Credit Card
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £4000
Date last paid in full approx May 2009
Arrangement approx £20 per month - currently paying
Status - Defaulted
Owner Robinsons Way

June 2017 - Sent CCA request
June 2017 - Responded to say they would endeavour to respond within the 12 day period.
July 2017 - Response enclosing a list of all transactions on the account as well as I believe a copy of the original application form. However they do not reference my CCA request or whether they feel they have or haven't me the requirements.
July 2017 - Niddy says.... (Yay!)
July - Wrote to advise them that what they sent does not meet CCA requirements and that I consider the account UE until they forward the correct documents.
July - Wrote advising I need to reduce payments as cannot afford the current payments.
May 2018 - debt transferred to Robinsons Way

[AllTheHelp]

M&S Personal Reserve

Not sure what this counted as?
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £3000
Date last paid in full approx May 2009
Arrangement approx £15 per month - currently paying
Status - Defaulted
Owner Robinsons Way

June 2017 - Sent CCA request
June 2017 - Responded to say they would endeavour to respond within the 12 day period. I am fairly confident due to one of the sticky posts on here that this debt will be UE.
July 2017 - Replied stating they had received the agreement and that they have fully complied with their obligations. Will upload this to ensure it is accurate as believe from the sticky on here that it may not be.
July 2017 - Niddy says.... (Yay!)
July - Wrote to advise them that what they sent does not meet CCA requirements and that I consider the account UE until they forward the correct documents.
July - Wrote advising I need to reduce payments as cannot afford the current payments.
May 2018 - debt transferred to Robinsons Way

[AllTheHelp]

Egg Card

Credit Card
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £4000
Date last paid in full approx May 2009
Arrangement approx £20 per month - currently paying
Status - Defaulted
Owner Link Financial

June 2017 - Sent CCA request
June 2017 - Responded to say they would comply within 30 days.

[AllTheHelp]

Barclaycard

Credit Card
Commenced approx 2001
Approx balance £7000
Date last paid in full approx May 2009
Arrangement approx £35 per month - currently paying
Status - Not Defaulted and showing on credit file
Owner PRA Group

June 2017 - Sent CCA request
June 2017 - Received response that they have requested the information and my account is currently on hold & £1 fee returned as goodwill gesture
July - Written to Barclaycard to request a backdated default.

[AllTheHelp]

Tesco Card

Credit Card
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £4000
Date last paid in full approx May 2009
Arrangement approx £20 per month - last payment June 2017
Status - Defaulted
Owner Robinsons Way

June 2017 - Sent CCA request
June 2017 - Received response - noted enquiry and will be in touch when they have more information for me.
July 2017 - Called to request bank account details for S/O. Was advised account on indefinite hold so I said I'll wait to hear from them and not to worry about account details
July 2017 - Stopped payments until I hear further

[AllTheHelp]

Natwest Credit Card

Credit Card
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £1800
Date last paid in full approx May 2009
Arrangement approx £9 per month - currently paying
Status - Defaulted
Owner Natwest - managed by Wescot

June 2017 - Sent CCA request
June 2017 - Received response - told me to write directly to Natwest as they would not deal with my enquiry.
July 2017 - Sent new CCA request to RBS/Natwest as advised by Wescot
July - Write advising of revised, reduced, monthly payment
Aug - CA received - have forwarded to Niddy to look at for me

[AllTheHelp]

Natwest Overdraft

Overdraft
Commenced approx ?? (Fairly sure pre-2007)
Approx balance £900
Date last paid in full approx May 2009
Arrangement approx £11 per month - currently paying
Status - Defaulted
Owner Natwest - managed by Wescot

June 2017 - Sent CCA request . (Yes, sent this by mistake before I realised it was an OD!)
June 2017 - Received response - told me to write directly to Natwest as they would not deal with my enquiry.
July - Write advising of revised, reduced, monthly payment