At long last I am claiming life back

[Selinek]

Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1109
• Date last paid: 2008
• on DMP SC
• Status :defaulted. Defaulted ,dropped off my credit file
• Account owner : 1st Credit
• CCA request sent 11/09/17.

Received letter stating that account is on hold until information has been found.

I know it’s a waiting game

[Selinek]

Capital One

• Type of account: credit card
• Date commenced :2005
• Approx balance: £504
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : Capital One

CCA request sent 11/09/17.

Received what looks like an enforceable agreement. Will send to nid when he’s back.

If it’s enforceable what are my chances of a F&F settlement ?

[cymruambyth]

Even if an agreement appears to be enforceable there are many other things that would mean they would not win if they prosecuted you. As it has not been sold on, you would probably have more success once it has been sold.

[The Tech Clerk]

last paid/acknowledged 2008 then if so statute of limitations kick in i.e. statute barred???

[Selinek]

Even if an agreement appears to be enforceable there are many other things that would mean they would not win if they prosecuted you. As it has not been sold on, you would probably have more success once it has been sold.

Thought as much. Depending on nid’s review I will consider My next move

[Selinek]

last paid/acknowledged 2008 then if so statute of limitations kick in i.e. statute barred???

2008 is when I last paid full agreed amount. Been paying a reduced amount through step change. I only found out what statue barred meant a couple of months ago! If I’d known then what I know now.....

[The Tech Clerk]

paying thr so no clear 6 years or 5 years scotland Thu step change so no clear period then. so await outcome of the CCA response from niddy.

[Selinek]

paying thr so no clear 6 years or 5 years scotland Thu step change so no clear period then. so await outcome of the CCA response from niddy.

Hya thanks tech clerk. Do I send everything the agreement and guff that comes with ? There’s an awful lot of pages I admit I haven’t read

[Still Waving]

Hya thanks tech clerk. Do I send everything the agreement and guff that comes with ? There’s an awful lot of pages I admit I haven’t read

Only send the agreement and any Terms and Conditions which purport to relate to the agreement.

[The Tech Clerk]

and do not cover any info up, Niddy is registered and no one else will see the info, he then can give you info regarding the content

[Selinek]

Thanks still waving and the tech clerk

[Selinek]

MBNA UPDATE.

• CCA request sent September 17
• Letter of Acknowledgement of request September 17
• UPDATE 30/09/17
• Letter from Idem stating they are unable to locate a copy of agreement. They acknowledge they cannot enforce agreement until agreement is located. They went in to say they still plan to pursue debt include registering any defaults and arrears.
• This maybe familiar some of you. I’m guessing this is a standard letter. The query I have is can DCA register arrears if Debt has already dropped of my CF ?
• 16/10/17 received agreement. Sent off to niddy to have a look

[Selinek]

Capital One

• Type of account: credit card
• Date commenced :2005
• Approx balance: £504
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : Capital One

CCA request sent 11/09/17.

Received what looks like an enforceable agreement. Will send to nid when he’s back.

If it’s enforceable what are my chances of a F&F settlement ?


Agreement been sent off to Niddy

[Selinek]

Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1109
• Date last paid: 2008
• on DMP SC
• Status :defaulted. Defaulted ,dropped off my credit file
• Account owner : 1st Credit
• CCA request sent 11/09/17.

Received letter stating that account is on hold until information has been found.

I know it’s a waiting game


20/10/17: received statement of account. No sign of CCA. I’m look to put in F&F is this is a good time or should I wait ?

[Selinek]

Co-op

• Type of account: credit card
• Date commenced :2005
• Approx balance: £932
• Date last paid: 2008
• on DMP SC
• Status :defaulted. Due to drop off my credit file 11/11/17
• Account owner : link

CCA request sent 11/09/17.

Received statement of account today , 05/10/17 dated 19 September 2017 . The statement of account goes on to say this notice is given in compliance with the consumer credit act 1974 because you are in arrears with your payments under this agreement. The current arrears represents the outstanding balance as you failed to maintain payments in accordance with the terms of the original agreement so the full amount has become due.

I will send a copy to nid to have a look at. I know it’s not the credit agreement but I wonder if this is anything I need to worry about what do I need to do next if anything

UPDATE
28/10/17. Received statement no sign of cca. Default drops off my credit file. 11/11/17. If I have heard nothing by then I plan to make a F&F offer