Meepatme Diary - Start of the long path

[Meepatme]

Yes hard to adjust to when by nature you usual try run everything promptly will adjust

[Still Waving]

Yeah the agreements missing and still week for the cca hang fire i guess, they pretty snappy with responses compared to the rest

You need to forget about any timeline for the CCA (yours or theirs), they will either produce an agreement or they will be late. If they are late it doesn't matter, they will be in default and you do not chase them for it.

[Meepatme]

Yeah the agreements missing and still week for the cca hang fire i guess, they pretty snappy with responses compared to the rest

[Still Waving]

There is nothing yet to send to Niddy.

They are a bit back to front with their reply. First they need to send you the appropriate document in response to your CCA request, then they can think about threatening you with enforcement action. Seems like a letter cobbled together from others, as you go from first person to third person, then back to first person again.

Just hang fire.

Edit: The list of payments means nothing.

[JLC]

Best to send the CCA to Niddy to check. Don't blank anything out. He will then check it and advise on your next move. Not sure if he's on holiday at the moment though.

[Meepatme]

Checked CCA recorded delivery reports all but one landed. Barclays still on there way,,,,

[Meepatme]

Next CCA response in from Salisbury they are really efficient it seems. What they sent enclosed. I assume guys with no agreement yet and the time line on the cca still ticking just wait for now??

[Meepatme]

First official looking letter ek. Shame there my biggest worry of the lenders being a big balance and there on the ball

[Roger]

Thanks guys for the lovely comments and yes promise to keep the diary upto date however it all concludes. Just been checking to see status on CCA as i took the advice for recorded seems rather pants tbh. 2 signed for yay, 3 on way or redirecting. Mr post mans being bit slow

"..however it all concludes.."
We have ALL been where you are now. That feeling of low esteem wanting it to all go away!
But now you are taking control of your debts and by sending the CCA request placing yourself within the Consumer Law.
Make certain you file everything away (including the envelopes!) good habits AND audit trail (that's your diary) is the key here.
Congratulations and welcome because YOU are taking control NOW!

[Meepatme]

Thanks guys for the lovely comments and yes promise to keep the diary upto date however it all concludes. Just been checking to see status on CCA as i took the advice for recorded seems rather pants tbh. 2 signed for yay, 3 on way or redirecting. Mr post mans being bit slow

[Joanna Connolly Solicitors]

the point to remember is that while there is a CCA74 request outstanding the creditor is not allowed to take enforcement action

Almost right

There's nothing to stop a creditor issuing a court claim while a s 77-79 CCA Request is outstanding.

Whether they'll be able to enforce the debt in court is another matter.

Some do it knowing full well that they haven't got the documents they need at that point but decide to park the claim at court to beat the Statute Barred clock or hope to find what they need or reconstitute it in time for the final stage of the legal proceedings.

There's a new thread on the forum today where the member's claim has been stayed since February 2016 and now the Claimant's solicitors have produced what they believe to be a credit agreement.

Di

[The Tech Clerk]

keep your diary up to date, good luck on your journey

[nanna58]

Very good luck on your journey and welcome xx

[Meepatme]

Haha yes am starting to get into this i think. I check just to make sure the cca letters arrived somewhere and go silent I guess for while. Worries me a little till these guys stop interest and the likes but from the diaries iv been reading this usually happens once they default and moved on so i have to grin and bear it i guess.

Update added to barclays log

18/08/2017 Letter recived dated 14 Aug 17. Interest frozen for 30 days. Required not to contact you for 30 days. Contact us within 30 days to review case.

SUMMARY nothing heard back from these no calls or letters, CCA SENT (forum copy). Letter recived contact us blah blah. Staying silent as CCA request has been issued.

[JLC]

I wouldn't worry about reminding them. As long as the request is outstanding, its unenforceable. I recently had a letter from Cabot telling me that it could take 40 days to get the information requested. As I have already had the CCA's once and know they don't have the relevant information, I'm not worried about them! I'm not going to contact Cabot to remind them!