scottygees UE diary

[Roger]

5/8/17-income and expenditure form recd from Idem dated 2/8/17. Filed away no action to take

Without the CCA have NO CONTACT WITH THEM!
That was Niddy's advice to me in a similar circumstance with Arrow.

[scottygees]

5/8/17-income and expenditure form recd from Idem dated 2/8/17. Filed away no action to take

[cymruambyth]

That's good news, keep the letter safe!

[Still Waving]

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

What to do, what to do ...Oh I know, file and keep fingers crossed.

[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

[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

[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

[Joanna Connolly Solicitors]

asked them to action before contacting me further. I then put the phone down. In hindsight I should have failed security but at least I got the opportunity to get all correspondence in writing

That's okay, the call would/should have been recorded so if they start to harass you by phone again there will be evidence of your request for them to stop in the call log

Di

[Joanna Connolly Solicitors]

asked them to action before contacting me further. I then put the phone down. In hindsight I should have failed security but at least I got the opportunity to get all correspondence in writing

That's okay, the call would/should have been recorded so if they start to harass you by phone again there will be evidence of your request for them to stop in the call log

Di

[scottygees]

CAPITAL ONE

• Credit Card
• Date commenced (ideally before Apr 2007)-unknown
• Approx balance-£989.40
• Date last paid -September 2010
• Are you on arrangement or not paying-currently on a DMP but not paid anything at all since Feb 2017
• Status-previous default that has now dropped off credit report
• Account owner-Apex Credit Management

12/06/17 letter recd-confirming they can consider a discounted settlement figure-ignored
26/06/17 letter recd-outlining payment solutions incl.monthly payments to clear within 3.5 and 7 years and also reduced lump sum to clear account
13/07/17 CCA request made
17/7/17-CCA request delivered and signed for

31/7/17-telephone call from Apex wanting to set up payment plan. I told them to send all future correspondence in writing and confirmed I had written to them for CCA and that as they hadn't yet replied to this request I told them this debt was UE. They confirmed it did look like they had received a letter from me,to which I
asked them to action before contacting me further. I then put the phone down. In hindsight I should have failed security but at least I got the opportunity to get all correspondence in writing

[Roger]

Simply file this! Elsewhere on the Forum you will find that the Default Notice can or has been used to determine Statue Bar date.

[scottygees]

i have just received a default notice on a catalogue account today that hasn't been paid since my DMP put on hold. It looks like a standard default letter including default information sheet. It quotes The usual required action to get account up to date but mentions about applying to the court for a Time Order . Never heard of this before. There are then a lot of ifs and mays etc and advice to contact CAB.Should I just file this for the time being? Will this be covered under the same CCA regs?

[scottygees]

YORKSHIRE BANK

• Credit Card
• Date commenced-not known
• Approx balance-£1583
• 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-Cabot

12/06/17-letter recd asking for contact to discuss solutions e.g monthly payment plan and reduced lump sum payment to clear
13/07/17-CCA request made
17/7/17-CCA delivered and signed for
21/7/17-letter recd from Cabot dated 16/7/17,so this would have crossed in the post with my CCA request.It states as no payments are being received or a commitment to a payment plan the account will be reviewed for legal action.please contact us within 28 days. We have flexible solutions available.

29/7/17- letter recd from Cabot dated 24/7/17. Confirming they don't currently have this info. But have requested it from Yorkshire bank.they acknowledge the account is temporarily UE as they won't be able to provide CCA within 12 day period but they anticipate to have it within 40 days. They will write again if CCA not available at 40 days.

[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

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

[scottygees]

Do nothing its UE whilst in default of a CCA

I was sure that would be the case but also thought I better check to be on safe side.