scottygees UE diary

[scottygees]

Hi Scotty

I just read you said you will restart your DMP with stepchange in the future, Is there a reason why you don't /can't run them yourself. having been in a paid for DMP myself for a while I understand how it takes the pressure off but to be honest after the first few months doing it yourself it gets easier. I am now under 1 year away from SB and have had sizeable portions of my debts written off or not been chased.

Some of my files have a small forest in them, some just two or three pages

Good luck

Thanks for the response. To be honest i have not been very decisive in how to deal with these debts and have worried long and hard before finally taking the unenforceable route. I will see what comes back from these CCA requests and from there I may run my own DMP. I have one large debt for £12500 which is my main worry and haven't sent a CCA for this as i am pretty sure it will be enforceable and am worried that not making any payment to this could have a big impact on not just myself but my family as a whole.

[Pat]

Hi Scotty

I just read you said you will restart your DMP with stepchange in the future, Is there a reason why you don't /can't run them yourself. having been in a paid for DMP myself for a while I understand how it takes the pressure off but to be honest after the first few months doing it yourself it gets easier. I am now under 1 year away from SB and have had sizeable portions of my debts written off or not been chased.

Some of my files have a small forest in them, some just two or three pages

Good luck

[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
14/07/17 letter recd from Apex dated 10/7/17 confirming previous solutions but as i haven't responded they will return the account back to Capital One

[scottygees]

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

14/07/17-letter received dated 10/7/17 confirming previous payment options but if i dont call them to discuss the account will be sent back to Capital One

[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 2016
• 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

[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 2016
• Status -unknown.Account no longer on credit report
• Account owner -Robinson Way

no previous correspondence recd
13/7/17-CCA request made

[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

[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

[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

[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

[scottygees]

Have they been chasing you since you stopped paying? It would help if the diary entries were updated with notes of letters received/sent.

There has been an element of chasing by some of the mentioned creditors but not all of them. I have just explained that my DMP with stepchange was closed and that I would be setting it back up with stepchange in due course. This approach has given me 30 days grace on more than one occasion. I will update my diary with the content of letter I have received to try and give a complete history of events moving forward

[Still Waving]

Have they been chasing you since you stopped paying? It would help if the diary entries were updated with notes of letters received/sent.

[scottygees]

You can send the s 77-79 CCA Requests now - it'll make you feel better knowing that you've taken control of the situation instead of the situation controlling you.

Each time you receive a letter simply re-quote your original post and add the updated information.

I see you don't know when you opened any of these accounts but the exact date isn't important at this stage however do you have a vague idea of which year it might have been in each case? Accounts opened before April 2007 have different criteria for UE.

Di

thanks, i will be getting the postal orders in the morning and will print the letters off at work. I really don't know when these accounts were opened my guess is there is a mixture of both pre and post April 2007. I will ensure I keep these post up to date for any further advice.

[Joanna Connolly Solicitors]

So I have started my UE diary. It has taken a lot of deliberation and carefu consideration for me to do this. Before I send the CCA requests is there anything else i need to do/any advice etc?

You can send the s 77-79 CCA Requests now - it'll make you feel better knowing that you've taken control of the situation instead of the situation controlling you.

Each time you receive a letter simply re-quote your original post and add the updated information.

I see you don't know when you opened any of these accounts but the exact date isn't important at this stage however do you have a vague idea of which year it might have been in each case? Accounts opened before April 2007 have different criteria for UE.

Di

[The Tech Clerk]

good start = CCA request so that we can confirm enforceable/unenforceable I suggest as that is the starting point?