At long last I am claiming life back

[Selinek]

If you have proof that you sent the CCA request, I would not remind them as they are in default of your request and will be unable to enforce the debt.

I plan plan on speaking to stepchange to stop payment. No doubt link will wake up !

[The Tech Clerk]

never do a Debt buyers job for them, as it will no doubt come back to haunt you, they have a problem then all well and good!

[Selinek]

I would ignore the fact that they have used the £1 wrongly as you have the letter as proof that it was only to be used for the CCA request. They have obviously received your letter so are currently in default of your request, so the ball is in their court to send an agreement if they have one. I certainly would not be writing to them at this point to remind them, its all time towards your SB date.

You make sense. I am going to stop paying even though SB will be 6 years from non payment as I have been on a DMP for 8/9 years with 2 years left. I may contemplate F&F if I haven’t got the stomach for harassment ! I’m not going to make any hasty decisions

[Selinek]

never do a Debt buyers job for them, as it will no doubt come back to haunt you, they have a problem then all well and good!

im definitely learning that. Think I’ve been nice all these years because I didn’t know my consumer rights and believed the DCA were doing me a favour. Ah well we live and learn. Thanks for your encouragement tech clerk

[The Tech Clerk]

you are welcome

[Joanna Connolly Solicitors]

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.

3/11/17: received another statement of account. They have used the £1 CCA fee towards the balance. Bloody cheek. They have not complied think it’s about time I stopped payment. Should I send a reminder ?

Nope

They haven't forgotten - they just can't comply.

That can only be good news for now.

Di

[Selinek]

Nope

They haven't forgotten - they just can't comply.

That can only be good news for now.

Di

Thank you Di. I think I’ll conveniently forget as well !

[Selinek]

American Express

• Type of account: credit card
• Date commenced :2006
• Approx balance: £972
• Date last paid: 2008
• on DMP SC 21/11/17 cancelled DMP
• 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


UPDATE: 11/11/17. Niddy saying Agreement is due to it being unsigned

Another one bites the dust

[Selinek]

Apologies for double posting. Can’t see how to delete using my phone

[Selinek]

Lloyd’s TSB

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £545
• Date last paid: 2008
• on DMP SC 21/11/17 cancelled DMP
• 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

UPDATE: 27/11/17 resent CCA REQUEST making chq payable to LLoyds

[Selinek]

Of all 9 creditors only one is enforceable so far. It will depend on LLoyds compling that determines next steps. I must say I am confused why Lloyd are involved. Pretty sure I took the card out in the mid 90’s with TSB

[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 p revious 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

[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

22/12/17

was only thinking yesterday how quiet it has been. A “true” copy of Agreement bent sent today. Even though my address is there the agreement could be for anything. I could be wrong but I will send to niddy after the festivities. Merry crimbo

[Selinek]

Lloyd’s TSB

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £545
• Date last paid: 2008
• on DMP SC 21/11/17 cancelled DMP
• 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

UPDATE: 27/11/17 resent CCA REQUEST making chq payable to LLoyds


UPDATE: 30/12/17

Letter from westcot informing acct on hold until Agreement is found. Take as long as you need !

[Selinek]

Lloyd’s TSB

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £545
• Date last paid: 2008
• on DMP SC 21/11/17 cancelled DMP
• 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

UPDATE: 27/11/17 resent CCA REQUEST making chq payable to LLoyds


UPDATE: 30/12/17

Letter from westcot informing acct on hold until Agreement is found. Take as long as you need !