At long last I am claiming life back

[Selinek]

Co-op

• Type of account: credit card
• Date commenced :1996
• Approx balance: £932
• Date last paid: 2008
• on DMP SC
• Status :defaulted. Due to drop off my credit file 11/11/17
• Account owner : lLink
• CCA Request went 11/09/17
• 05/10/17

received statement of account. States the same as previous Entry for Co-op. Not sure what to do next, suspect nothing . I’m still paying agreed amount as I have been for 9 years .

UPDATE Still no response to CCA. Plan to do the same as other co-op acct

[Still Waving]

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 ?

I would wait to see if they can produce a compliant agreement before thinking about making any offers.

[Still Waving]

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

The statement of account is something creditors are suposed to send every year, though not all do. Just file it, no need to send to Niddy. As with my previous comment, I would not think about making a F&F offer until they come back with a proper response to your CCA request.

[The Tech Clerk]

as above

[Selinek]

I would wait to see if they can produce a compliant agreement before thinking about making any offers.

Ok I’ll hold fire.

[Selinek]

American Express

• Type of account: credit card
• Date commenced :2006
• Approx balance: £972
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : NCO-other

CCA request sent 11/09/17.

21/10/17 Received what looks like an enforceable agreement. Will send to Niddy

[Selinek]

Egg Card

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1200
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : Link Financial

CCA request sent 11/09/17.

Absolutely no response.

[Selinek]

Egg Loan

• Type of account: personal loan
• Date commenced pre 2007
• Approx balance: £799
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner : NCO Arrow/Capquest

CCA request sent 11/09/17.

Absolutely no response.

[Selinek]

Lloyd’s TSB

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £545
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner :Westcot

CCA request sent 11/09/17.

20/09/17 received letter and returned £1 cheque( not one in my name) to either send to the O/C or I request they do it . Not bothered as yet will get onto them

[Still Waving]

Lloyd’s TSB

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £545
• Date last paid: 2008
• on DMP SC
• Status :defaulted. dropped off my credit file
• Account owner :Westcot

CCA request sent 11/09/17.

20/09/17 received letter and returned £1 cheque( not one in my name) to either send to the O/C or I request they do it . Not bothered as yet will get onto them

If you are a member of AAD+ there is a letter there covering this scenario which you could send to them (it's in section 3 - Requests to Comply). It probably needs editing slightly to suit this present situation.

[The Tech Clerk]

Who are Wescott collection on behalf>??? Wescot are not Debt Buyers so they represent somebody else??

[Selinek]

If you are a member of AAD+ there is a letter there covering this scenario which you could send to them (it's in section 3 - Requests to Comply). It probably needs editing slightly to suit this present situation.

Thank you still waving I will take look.

[Selinek]

If you are a member of AAD+ there is a letter there covering this scenario which you could send to them (it's in section 3 - Requests to Comply). It probably needs editing slightly to suit this present situation.

Thank you still waving I will take look.

[Selinek]

Who are Wescott collection on behalf>??? Wescot are not Debt Buyers so they represent somebody else??

lloyds tsb

[The Tech Clerk]

so it would seem Lloyds still own it and wescott are just trying to get collection commissions