At long last I am claiming life back

[The Tech Clerk]

wescot are only agent for Lloyds hoping to make a commission on any collections, they never own any debts just collectors

[Joanna Connolly Solicitors]

A “true” copy of Agreement bent sent today. Even though my address is there the agreement could be for anything.

That sounds like a reconstituted credit agreement. Did they say that in the covering letter?

This is a Citi Financial credit card opened before 2007 so can you remember how you opened the account (online, response to a pre-approved invitation letter etc)?

Did you have PPI on the account?

Di

[Selinek]

That sounds like a reconstituted credit agreement. Did they say that in the covering letter?

This is a Citi Financial credit card opened before 2007 so can you remember how you opened the account (online, response to a pre-approved invitation letter etc)?

Did you have PPI on the account?

Di

.


Hi Di

relooked at the cover letter. It says is a true copy .... later on in the letter explaining the agreement is reconstituted. I applied for card early 200’s or there abouts. I applied online can’t remember if was after an invitation letter. Is it likely to be enforceable? I can’t remember if there was PPI didn’t think to check to be honest
thanks for any advice Di

[Selinek]

Originally posted by Selinek View Post
Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1109
• Date last paid: 2008
• on DMP SC
• Now self managed: Not paid November 2017
• 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

29/01/18

Niddy says its . 1st Credit have been in touch expecting to be paid! I would imagine letters and phone calls will start as I am not paying. Any ideas what I do next I don't have the stomach waiting for 6 year statue barred.

[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 !


Update: 29/01/18: Received Reconstituted CCA which looks like Lloyd terms. I applied to TSB in the 90's well before they merged . They have included a poor copy of an agreement for TSB . the date of the signature looks like September 1965 . Clearly I didn't apply then , I wasn't born then.does that make unenforceable? Will send to the man who knows , Niddy

[The Tech Clerk]

westcott lameness DCA commission agents

[Spud]

29/01/18

Niddy says its . 1st Credit have been in touch expecting to be paid! I would imagine letters and phone calls will start as I am not paying. Any ideas what I do next I don't have the stomach waiting for 6 year statue barred.

If Niddy has said that it is U/E......Then if you are chasing the U/E route.......It is a 6 year wait unfortunately......But I can tell you from experience that once you get started......Those 6 years will go quite quickly.......I'm around 5 years in and cant tell you where the time has gone

Have you joined AAD+ ....... There are a whole selection of template letters on there that you can send to creditors to stop them from telephoning you etc........That's what I would reccomend

Send the harassment by telephone letter - Get them to engage in writing only

[Selinek]

If Niddy has said that it is U/E......Then if you are chasing the U/E route.......It is a 6 year wait unfortunately......But I can tell you from experience that once you get started......Those 6 years will go quite quickly.......I'm around 5 years in and cant tell you where the time has gone

Have you joined AAD+ ....... There are a whole selection of template letters on there that you can send to creditors to stop them from telephoning you etc........That's what I would reccomend

Send the harassment by telephone letter - Get them to engage in writing only

Thanks spud welcome your advice. I will join ADD+ looks like I’m in for long haul. I’ve been “protected” when I was with SC. Being self managed can be a little wobbly. All part of journey I’m beginning to learn

[Selinek]

westcott lameness DCA commission agents

Regards the shoddy copy I know. The date of signature is my doing! What was I thinking. I would have thought TSB would have returned Agreement back. But hey it was the 90’s

[Selinek]

30th December 2017, 09:53
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 !


UPDATE : 25/02/18

Niddy says. Wescott are expecting to be paid , don't they all!

[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

30/10/17 Niddy confirmed this . . As I’ve been paying so SB isn’t an option for me sadly. Looking for f& f for definite

01/03/18: Idem Servicing have written after calling countless times a day ,telling me about their concern of them not being able to speak to me about payment . The have suggested that if I don't contact them I will either have some appear on my doorstep , have my acct placed with an external DCA ( Aren't IDEM a DCA?) or consider litigation proceedings. Not frighten of these letters now, well not as much .I will see what they come back with , but send an harassment letter in the mean time

[The Tech Clerk]

they can record factual defaults and arrears regardless but must be a true record

anybody turns up you do not have to speak to them tell them to depart, and they will. just bad Debt collection tactics.

[Selinek]

Hi Tech, the account has already defaulted and dropped off CF some time ago. From what I understand nothing about the account can re-appear. That is correct right?

[The Tech Clerk]

once off it cannot reappear is the rule

[The Tech Clerk]

once off it cannot reappear is the rule, (Default)