scottygees UE diary

[Still Waving]

23/10/17-correspondence recd from Robinson Way dated 18/10/17 stating we enclose the requested documentation and in absence of any dispute please return the enclosed financial statement (which isn't enclosed by the way) to confirm an affordable payment plan within the next 30 days.However all they have sent me is copies of my credit card statements from April 2010 to January 2011 and not the CCA I requested. Any advice as of the next course of action to take? Thanks in advance.

I would just await their next letter, which should be at least a month away.

[scottygees]

MBNA

• Credit Card
• Date commenced-unknown
• Approx balance-£785
• Date last paid-Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status-unknown as no longer showing on credit report
• Account owner- Idem Capital Securities

no previous correspondence recd
13/7/17-CCA request made
17/7/17 CCA request delivered and signed for
21/7/17-letter received from Idem dated 19/7/17."we will endeavour to provide the requisite information within the next 12 working days
4/08/17-letter received from Idem dated 2/8/17.They are unable to provide the CCA at present and accept the agreement can't be enforced until such time they can. They have contacted original lender and if available will send it if available. They confirm balance is still outstanding and will continue to pursue including updating credit reference agencies. They state I am free to take whatever action I consider appropriate but they will not be releasing me from any obligation under the agreement
5/8/17-income and expenditure form recd from Idem dated 2/8/17. Filed away no action to take
25/09/17-letter recd from Idem dated 20/9/17 "we note no formal arrangement,please complete I&E in next 14 days or we will take further collection activity".(as no CCA provided and they have previously acknowledged they can't enforce it , letter filed away.

09/11/17-letter recd from Idem Saying account has now been purchased by Cabot.Introduction letter also recd in same envelope from Cabot, asking me to make contact. As I still haven't received the CCA I requested what action do I need to take at this stage, if any? Thanks in advance

[cymruambyth]

I would ignore for a couple of letters and then send a SWID or sold while in dispute letter which is in the template section.

[scottygees]

MBNA

• Credit Card
• Date commenced-unknown
• Approx balance-£785
• Date last paid-Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status-unknown as no longer showing on credit report
• Account owner- Idem Capital Securities

no previous correspondence recd
13/7/17-CCA request made
17/7/17 CCA request delivered and signed for
21/7/17-letter received from Idem dated 19/7/17."we will endeavour to provide the requisite information within the next 12 working days
4/08/17-letter received from Idem dated 2/8/17.They are unable to provide the CCA at present and accept the agreement can't be enforced until such time they can. They have contacted original lender and if available will send it if available. They confirm balance is still outstanding and will continue to pursue including updating credit reference agencies. They state I am free to take whatever action I consider appropriate but they will not be releasing me from any obligation under the agreement
5/8/17-income and expenditure form recd from Idem dated 2/8/17. Filed away no action to take
25/09/17-letter recd from Idem dated 20/9/17 "we note no formal arrangement,please complete I&E in next 14 days or we will take further collection activity".(as no CCA provided and they have previously acknowledged they can't enforce it , letter filed away.
09/11/17-letter recd from Idem Saying account has now been purchased by Cabot.Introduction letter also recd in same envelope from Cabot, asking me to make contact. As I still haven't received the CCA I requested what action do I need to take at this stage, if any? Thanks in advance

28/11/2017-letter recd from Cabot.dated 22/11/17. nothing threatening but should I send a SWID letter yet or wait a bit longer?

[JLC]

I sent them a SWID a year ago when they purchased three of my debts from IDEM/MOORGATE and haven’t heard from them since apart from the odd ‘we are still seeking an update’ letter.

[Still Waving]

A similar pattern has applied to a number of members here, where Cabot has purchased accounts from another debt purchaser, and then send a series of non-threatening letters. I would be inclined to sit tight for a while, but keep an eye on the tone of their letters. ( I see that there is currently an outstanding CCA request.)

[scottygees]

A similar pattern has applied to a number of members here, where Cabot has purchased accounts from another debt purchaser, and then send a series of non-threatening letters. I would be inclined to sit tight for a while, but keep an eye on the tone of their letters. ( I see that there is currently an outstanding CCA request.)

Yes the CCA request is still outstanding

[JLC]

I sent my SWID off pretty soon after I got the letter from Cabot because I was worried that if they did take action, I would be asked why I didn’t inform them earlier that there was a dispute. This was a personal choice, though. It was also this time last year that they purchased the debts, so it’s possibly an annual thing done by Idem/Moorgate.

[scottygees]

BARCLAYCARD

• Credi card
• Date commenced -unknown
• Approx balance-£957
• Date last paid-Jan 2016
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status-default 30/3/2016
• Account owner- Link Financial Outsourcing

no previous correspondence recd
13/7/17-CCA request made
17/7/17-CCA request not delivered as no access to delivery address. Await post to be returned and send again
18/7/17-CCA request delivered and signed for
19/10/17-letter recd from Link Financial dated 16/10/17. Confirming original creditor(Barclaycard) are unable to fulfill the section 77/78 request . They agree the account is currently unenforceable but that the outstanding balance remains collectible and it is acceptable for creditors to register and continue to report a default. They conclude by stating this information concludes their obligations under section 78 of the act
20/10/17-statement of account recd from Link with information sheet regarding notice of arrears
27/10/17-letter from Link confirming no repayment plan in place.Please contact them with an offer of repayment

18/12/17-Letter received from Link dated 14/12/17, still no repayment in place please contact us.We remain committed to debt recovery by negotiation but will if needed pursue through county court.

Should I take any action at this moment bearing in mind CCA request not yet complied with?

[scottygees]

TESCO

• Credit Card
• Date commenced -not known
• Approx balance- £989
• Date last paid -Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status -unknown.Account no longer on credit report
• Account owner -Robinson Way

no previous correspondence recd
13/7/17-CCA request made
17/7/17-CCA request delivered and signed for
21/7/17-letter received from Robinson Way confirming received CCA request and account put on hold temporarily until they have the agreement
28/8/17-email received from Robinson Way stating they have contacted original creditor and have an update for me and for me to contact them within the next 30 days.
23/10/17-correspondence recd from Robinson Way dated 18/10/17 stating we enclose the requested documentation and in absence of any dispute please return the enclosed financial statement (which isn't enclosed by the way) to confirm an affordable payment plan within the next 30 days.However all they have sent me is copies of my credit card statements from April 2010 to January 2011 and not the CCA I requested. Any advice as of the next course of action to take? Thanks in advance.
28/11/17-email recd from Robinson Way inviting me to make an offer of payment instalments. nothing threatening so no action taken

18/12/17-Letter recd from Robway confirming settlement figure available £740.32,but if I don’t get in touch a decision will be made of how to proceed including instructing Howard Cohen to commence legal action, asking a field agent to call or continue further collection activity,letters and calls.

Should I take any action at this stage bearing in mind they haven’t yet complied with the CCA request?

[Still Waving]

18/12/17-Letter received from Link dated 14/12/17, still no repayment in place please contact us.We remain committed to debt recovery by negotiation but will if needed pursue through county court.

Should I take any action at this moment bearing in mind CCA request not yet complied with?

As they currently "remain committed to debt recovery by negotiation" I would file and await their next shot .

[Still Waving]

18/12/17-Letter recd from Robway confirming settlement figure available £740.32,but if I don’t get in touch a decision will be made of how to proceed including instructing Howard Cohen to commence legal action, asking a field agent to call or continue further collection activity,letters and calls.

Should I take any action at this stage bearing in mind they haven’t yet complied with the CCA request?

Again, as they are only setting out all their possible next moves, I would file and wait.

[scottygees]

VANQUIS

• Credit Card
• Date commenced -not known
• Approx balance £1002
• Date last paid -Sept 2010
• Are you on arrangement or not paying-DMP but no payment since Feb 2017
• Status -Default 31/8/2015
• Account owner-DLC

9/6/17-letter recd confirming they have been instructed by vanquish to collect balance and require me to contact them
26/6/17-letter recd offering a 50% reduction on outstanding balance
13/7/17-CCA request made
17/7/17-CCA request delivered and signed for
12/8/17-letter recdfrom DLC dated 1/8/17 stating they are only collectors and that I need to send request directly to Vanquis.They have returned the postal order. Any advice or should I just now send the request to Vanquis
17/08/17-CCA request made to Vanquis
19/08/17-CCA request delivered and signed for
01/09/17-CCA received from Vanquis dated 30/08/17.Awaiting advice
02/09/17-CCA sent to Niddy who confirms it is enforceable . Will await further contact from DCA before deciding what course of action to take.

11/12/17-Letter recd from Vanquis confirming now assigned to Lowell. Introducing letter recd from Lowell in the same envelope. Do I need to take any action at this stage due to the agreement being enforceable?

[cymruambyth]

I would wait for them to make the first move, or two.

[scottygees]

TESCO

• Loan
• Date commenced -not known
• Approx balance- £12267.15
• Date last paid -Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2016
• Status -default date Feb 2012
• Account owner -Robinson Way

I called Robinson Way to explain issues with DMP etc and they agreed to put account on hold for 30 days to allow stepchange to contact them.
19/06/17-letter recd from Robinson Way confirming that in connection with my update no further action will be taken on account for next 30 days
17/7/17-CCA request issued.
18/7/17-CCA request delivered and signed for
22/7/17-letter dated 18/7/17 recd from Robinson Way account put on hold whilst they deal with CCA request
05/09/17-letter recd from Rob Way dated 29/8/17.They haven't had a response from original creditor so action on account stopped whilst they await one.
11/10/17-letter recd from Rob Way .They still haven't had a response from original creditor so action on account will be stopped whilst they await it
18/10/17-letter recd from Rob Way.They are still awaiting a response and have contacted their client to remind them the request is still outsatnding. Confirm account still on hold.

18/01/18-furrther letter recd from Rob Way. They are still awaiting a response from their client .Account Still on hold