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**Still Waving** · 25 September 2017, 22:55

Hi

Regarding the first Barclays credit card on your list, they have certainly cocked up by using your married name - but don't tell them that!

Any CCA response documents you want checked for unenforceability,. you should scan and email them to Niddy - webmaster@all-about-debt.co.uk - title the email Emm1e's CCA agreements, and in the email include a link to this thread - https://www.all-about-debt.co.uk/for...ry#post1500550 .

Don't blank out anything on the documents, only Niddy will see them and it is quite secure.

Good luck

**Emm1e** · 26 September 2017, 20:30

Thanks for your reply. I will scan the papers in the next couple of days. Should I just continue paying for now? Thanks

**Still Waving** · 26 September 2017, 22:15

Originally posted by Emm1e View Post

Thanks for your reply. I will scan the papers in the next couple of days. Should I just continue paying for now? Thanks

I know that at the outset it can be a bit unnerving, contemplating rocking the boat with your creditors, so you may feel happier continuing with your token payments for the moment until the position on each account becomes clearer. Your call on that. I see that the majority are post 2007, so they are more likely to be enforceable than the older ones.

For any accounts that turn out to be unenforceable, you have to go 6 years without acknowledging the debt to reach Statute Barred, so the sooner you stop payments the sooner the countdown starts. (Actually the same is true for enforceable ones too). Bear in mind that, particularly for older debts, it can take several months (or even longer) for a creditor to produce a copy of the agreement.

**Emm1e** · 15 October 2017, 21:36

Hi,
I’ve emailed my CCA agreements over and updated my comments in my original post. Am I meant to do anything else or will the emails just be picked up and looked at. I appreciate they are lengthy documents but just wondered what the general turn around time is so that I know what to expect.
many thanks

**cymruambyth** · 15 October 2017, 21:50

Hi, Niddy is away for a couple of weeks. I'm not sure when he will be back, so if you haven't heard back from him on 3 weeks I would resend them with a link to this thread - he will have a lot to go through!

**Emm1e** · 15 October 2017, 21:57

That’s great, thanks for the heads up

**The Tech Clerk** · 16 October 2017, 10:05

he is away till end of the month

**Emm1e** · 15 December 2018, 12:50

Hi, I’m still lurking in the background. A year after requesting the CCA, The PRA group have sent us a document in relation to one of our credit cards. Is anyone able to take a look at it and advise if it is compliant please?

**Emm1e** · 6 January 2019, 18:51

Hi, does Niddy still review documents please? I've emailed some to the email address I have from 2017. I put a post up in Dec 18 but got no response - is this site/these pages still monitored? Many thanks

**The Tech Clerk** · 6 January 2019, 19:44

webmaster@all-about-debt.co.uk

**Joanna Connolly Solicitors** · 6 January 2019, 20:46

Originally posted by Emm1e View Post

Hi all

I am new to this site and Unenforceability. I have read some posts and other diaries so am now setting up mu own diary with the information suggested.

My husband and I set up a self-managed DMP last October after we were both made redundant, and have been paying £I token payments each month since. I sent off CCA Requests to most of our creditors and have received some responses, but have no idea what I'm looking for in the agreements. I also don't know if I should continue with the monthly token payments, especially one of the Barclaycard ones which has currently come back unenforceable. Any help and advice would be appreciated. Thank You!

Lender: Lloyds
Account Type: Credit Card
Taken out: 13.10.2013
Approx Balance: £7,455.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status: Default 25.01.2017
Account Owner: Lloyds
CCA Requested: 01.09.17
CCA Docs rec'd: 18.09.17, Reconstituted

11.10.17 - CCA Agreement emailed to Niddy

Lender Lloyds
Account Type: Loan
Taken out: approx 2014
Approx Balance: £5,010.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status: Default 24.01.2017
Account Owner: Lloyds
CCA Requested: 01.09.17
CCA Docs rec'd: 25.09.17

11.10.17 - CCA Agreement emailed to Niddy

Lender Barclays
Account Type: Credit Card
Taken out: 1998
Approx Balance: £5,900.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status: Default 04.01.2017
Account Owner: Barclays
CCA Requested: 01.09.17
CCA Docs rec'd: 15.09.2017
My married name is on first page of the reconstituted agreement- I wasn't married then!

11.10.17 - CCA Agreement emailed to Niddy
Unenforceable
06.01.19 - new docs supplied by PRA, emailed to Niddy

Lender: Barclays
Account Type: Credit Card
Taken out: approx 1999
Approx Balance: £10,772.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status: Default 24.11.2016
Account Owner: Barclays
CCA Requested: 01.09.17
CCA Docs rec'd: Letter rec'd dated 18.09 to advise unable to fulfil request so unenforceable

11.10.17 - Letter emailed to Niddy

Lender Sainsburys
Account Type: Credit Card
Taken out: Approx 2008
Approx Balance: £13,370.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status Default: 13.01.2017
Account Owner: Sainsburys
CCA Requested: 01.09.17
CCA Docs rec'd: no reply yet

11.10.17 - Chase letter sent to Sainburys re: CCA Request

Lender Tesco
Account Type: Loan
Taken out: 27.10.09
Approx Balance: £2,200.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status: Default 14.11.16
Account Owner: Tesco
CCA Requested: 02.09.17
CCA Docs rec'd: 20.09.17

11.10.17 - CCA Agreement emailed to Niddy

Lender Barclays
Account Type: Credit Card
Taken out: Approx 2010
Approx Balance: £4,148.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP token payment
Status: Default 04.01.17
Account Owner: Barclays
CCA Requested: 02.09.17
CCA Docs rec'd: 15.09.17, Reconstituted

11.10.17 - CCA Agreement emailed to Niddy

Unenforceable
06.01.19 - new docs supplied by PRA, emailed to Niddy

Lender Creation (Asda)
Account Type: Credit Card
Taken out: approx 2014
Approx Balance: £1,670.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP £5
Status: Not defaulted
Account Owner: Lowells
CCA Requested: Not requested
CCA Docs rec'd: N/A

06.01.19 - Debt written off by DCA

Lender Creation (Asda)
Account Type: Credit Card
Taken out: approx 2014
Approx Balance: £2,798.00
Date last paid (full payment): Sep-16
Date last paid (£1 token payment): Sep-17
Arrangement: DMP £5
Status: Not defaulted
Account Owner: Lowells
CCA Requested: Not requested
CCA Docs rec'd: N/A

Hello

I'll take a quick peek at your thread tomorrow.

Are any of the creditors/debt purchasers threatening you with legal proceedings?

Di

**Emm1e** · 6 January 2019, 21:11

That would be great, thank you, much appreciated. No threats or anything. I’ve not paid a penny since Sept 11 and they hadn’t been in touch until last month. They have put the account on hold whilst I take a look at the documents they’ve provided.

**Emm1e** · 6 January 2019, 21:12

That was meant to say Sept 17!

**Joanna Connolly Solicitors** · 7 January 2019, 21:48

Originally posted by Emm1e View Post

I’m still lurking in the background. A year after requesting the CCA, The PRA group have sent us a document in relation to one of our credit cards. Is anyone able to take a look at it and advise if it is compliant please?

Hello

I've taken a look back through your Diary and can see that you've not updated your thread since October 2017 which makes it difficult for members to offer help and support in an information vacuum.

It helps if you re-quote the individual debt post and then add any development each time it happens.

"Unenforceability" isn't only about the credit agreement which can sometimes be remedied, it's about the bigger picture such as assignment issues and so on.

It looks like seven out of nine debts remain with the original creditor - is that correct? *

Di

* I can now see that you updated your post yesterday to show that at least two of your debts have been assigned to PRA at some point.

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