Getting Back On Track........................Saint X

[Saint X]

Hi all.

I hope that this helps. I am literally starting from scratch, and have a lot to learn.

Your help and advice is extremely appreciated

All of my debts were transferred in July 2010.

I am wondering now , if the time is right to send a follow up letter to all creditors??

Also, I have read about SARS??

Kind regards

Saint X

[Susie]

If you have sent a cca request then do not write to remind them. The idea now is to stay as quiet as you can and wait for them to contact you.

[Saint X]

Hi everyone

I have today received two letters from PRA. They state they are the copy documents as requested. Neither have any signatures.

They both ask me to contact the office ( I have learnt my lesson) in order that I can discuss the account, and come to a mutually acceptable agreement.

They are the two lesser debts that they hold on me of £5,629 and £6,928

One of these debts is in the joint names of myself and ex wife. I forgot that we took a joint loan, and took all the debts on after our marriage broke down.

Is my next step to send these to Niddy, or post on here?

Kind regards

Saint X

[Still Waving]

Is my next step to send these to Niddy, or post on here?

Kind regards

Saint X

Send them to Niddy with nothing blanked out. Title your email Saint X's agreements, and include a link to this thread in the message.

[Saint X]

How do I include a link to the message please

Saint X

[Still Waving]

How do I include a link to the message please

Saint X

Copy and paste this link -

https://www.all-about-debt.co.uk/for...-x#post1500008

[Saint X]

Copy and paste this link -

https://www.all-about-debt.co.uk/for...-x#post1500008

Thank You

[Spud]

Just a quick point.......As Susie explained........Once you have sent a CCA request and they have not replied, I would advise you NOT to be sending any reminder letters etc

If you have sent it, Have proof of them receiving it ( Recorded delivery etc) and they have not replied then leave the ball in their court

I appreciate that you have had some more replies back but if any more are outstanding then leave well alone for now

Fingers crossed for a positive outcome with your other replies

[Saint X]

Just a quick point.......As Susie explained........Once you have sent a CCA request and they have not replied, I would advise you NOT to be sending any reminder letters etc

If you have sent it, Have proof of them receiving it ( Recorded delivery etc) and they have not replied then leave the ball in their court

I appreciate that you have had some more replies back but if any more are outstanding then leave well alone for now

Fingers crossed for a positive outcome with your other replies

Thanks spud.

I am awaiting reply from Niddy as to the authentication of the PRA replies this week,

I sent an email to Link after no reply to CCA request ( a mistake) They ignored my email too!

In future I will always ask here first, before sending anything back

Saint X

[Saint X]

Hi all,

I have had a reply from Niddy that the two replies from PRA this week are enforceable as they are post 2007.

Disappointing, but it was worth a try.

The other three remain outstanding

Kind regards

Saint X

[Saint X]

HALIFAX (BANK of SCOTLAND)

Debt currently £8,676,85

Creditor PRA

They somehow have the original debtor as Lloyds Bank, but definitely a Halifax card.

Almost certain I took this account pre 2007, but no paperwork to clarify.

July 24th 2017 CCA request sent.

Received an unsigned document with a letter claiming debt is currently unenforceable, but further info to come. Nothing to date!

Last payment to DMP on Monday 11th Sept

Letter received from PRA with documents.on 31/08/17




Sent to Niddy for checking

Niddy say this debt is currently unenforceable

[Saint X]

HALIFAX (BANK of SCOTLAND)

Debt currently £8,676,85

Creditor PRA

They somehow have the original debtor as Lloyds Bank, but definitely a Halifax card.

Almost certain I took this account pre 2007, but no paperwork to clarify.

July 24th 2017 CCA request sent.

Received an unsigned document with a letter claiming debt is currently unenforceable, but further info to come. Nothing to date!

Last payment to DMP on Monday 11th Sept

Letter received from PRA on 31/08/2017


Sent to Niddy for checking

Niddy say this debt is currently unenforceable

[Saint X]

LLOYDS TSB BANK PLC

Creditor PRA

Current debt £6957,05

Last payment Monday 11th September to DMP

CCA request sent July 24th 2017.

A couple of replies deeming the debt unenforceable, but thus far, no sign of any agreement!

Almost certain Post 2007

Letter received from PRA on 21/09/2017 containing agreement

Sent to Niddy for checking

Niddy states it is enforceable, which is disappointing but not entirely unexpected

[Saint X]

LLOYDS TSB BANK PLC

Creditor PRA

Current Debt £5635, 82

Last Payment Monday 11th September 2017

CCA request sent July 24th 2017

A couple of replies deeming the debt unenforceable, but no sign of any agreement

Letter received from PRA on 21/09/2017 containing documents

Sent to Niddy for checking

Niddy says they are enforceable

[Saint X]

BARCLYCARD

Creditor Link Financial

Current debt £2,610,63

Last Payment Monday 11th September 2017 DMP

CCA request sent 24th July 2017 to address on website.

Letter came back undelivered. Currently chasing them for an address in order to resend.

No reply

So far no reply from Link on this matter