At long last I am claiming life back

[Selinek]

9th June 2018, 10:57
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

Update: 08/06/18

Letter from NCO informing me that my account will be referred back to the client if I don't contact them within 7 days. Is there anything I need to do or just wait for amex to get in touch ?

UPDATE:
09/06/18

NCO sneaky buggers letter received yesterday, just noticed the date 02/06/18. Now received letter from American Express Global collection, dated 05/06/18; informing me that my account has been transferred to external collection agency First Source Solutions UK. Letter goes onto say that the agency will be responsible for collecting outstanding balance and will be in touch to make arrangements. Do I need to send anything or just wait. Not heard of company before any one had dealings with them ?


UPDATE:

18/06/18
Letter from First Source dated 11/06/18 stating they are collecting balance on behalf of American Express . They go on to say they will call to talk about a payment plan . Well that is very unlikely to happen

[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

02/11/17. Received letter from Arrow informing that account is unenforceable. Egg no longer exists right. Does that mean it’s unlikely they will ever find the original agreement. They go on to say they require my proposal for repayment.

Do I stop paying?

UPDATE:

Not paid since November.
.
31/05/18: Statement of account from Arrow. Never had one before. No demand for money mind , but they do say I can settle my account at any time. Interesting

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[Selinek]

Ok will do

[The Tech Clerk]

wait to hear from them,

[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

Update: 08/06/18

Letter from NCO informing me that my account will be referred back to the client if I don't contact them within 7 days. Is there anything I need to do or just wait for amex to get in touch ?

UPDATE:
09/06/18

NCO sneaky buggers letter received yesterday, just noticed the date 02/06/18. Now received letter from American Express Global collection, dated 05/06/18; informing me that my account has been transferred to external collection agency First Source Solutions UK. Letter goes onto say that the agency will be responsible for collecting outstanding balance and will be in touch to make arrangements. Do I need to send anything or just wait. Not heard of company before any one had dealings with them ?

[Selinek]

Silence, wait and see what Amex send back if anything!)

thanks roger thought as much

[Roger]

Silence, wait and see what Amex send back if anything!)

[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

Update: 08/06/18

Letter from NCO informing me that my account will be referred back to the client if I don't contact them within 7 days. Is there anything I need to do or just wait for amex to get in touch ?

[Selinek]

MBNA
· Type of account: credit card
· Date commenced Not sure
· definitely before Apr 2007
· Approx balance: £1255
· Date last paid: 2008
· on DMP SC
· Status :can’t remember if acct was defaulted vague recollection it was. Not showing on my credit file
· Account owner : Idem

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



04/02/18
I did make a 10% offer which was rejected. Received a letter from IDEM yesterday dated 31/01/18, stating that there is no payment arrangement. If I don't contact them within 7 days my account will be renewed for further action which could result in either acct being placed in "our internal recoveries dept" or "acct being placed with an external debt collection agency for recovery activity" Am right in thinking they will sell onto another DCA or they threatening something far more serious?

I was considering UE route , but I have been down this debt road for 10 years I want to get rid, but not at any cost now. have become aware that DCA's pay pennies for our debts. Ive it said before if I knew about guys earlier on things would been different but I am where I am.

Just out of interest is there anyway I can found out how much DCA's actually pay. Not a biggie just curious.

I would like help in what to do with the letter. Shall I ignore and see what they come up with next ? I understand "could" is very different to will , but guidance would be very much appreciated


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

19/04/18: Letter from Idem dated 16/04/18: they go on on about me not answering their numerous calls and would like me to contact them with 10 days. If I don't they will refer me to Resolve call for a home visit. I have read a lot on here , reassuring there is nothing to worry about. Will send door step harassment letter if needed

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05/05/18

Letter from Resolve call sating that IDEM are having difficulty in contacting me and ask that I contact IDEM urgently. Resolve go on to say that if I do not contact IDEM then they will visit within 28 days of letter dated 01/05/18 me at my home to help me come to some arrangement. . I will be sending the door step letter. Do I send to both IDEM and resolve call or resolve call alone? I take it recorded delivery is the way to send letter or will an email suffice?

02/06/18
Update: 05/05/18 Door step letter sent.
10/05/18: Letter from resolve stating they are no longer dealing with the account
10/05/18: Letter from IDEM in response to my door step . They will be looking into my complaint
16/05/18: Letter referring to me their response to my previous complaint ( I sent telephone harassment letter to IDEM 02/03/17) saying they will not uphold my complaint and will not contact me for 30 days until I contact them to discuss payment . They go on to say they can instruct a third party to visit my property should they not be able to contact me by other means . Well we can do the dance if they like. The same door step letter will be sent as many times as needed if they want.

[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.

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 ? Advice greatly appreciated

01/06/18

Update : 10/05/18: Letter from link saying they are concerned I have not made any payments, much the same blurb as other link accounts
24/05/18: same letter as previous accounts wanting to help . Ignored both letters !

[Selinek]

So is it safe to assume that you didn't make Link Financial a Full & Final offer last November

Di

Haha absolutely right Di. Thats the wonderful thing about being armed with knowledge...you make better decisions. This site has given me that

[Joanna Connolly Solicitors]

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.

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

UPDTE: 31/05/18

28th FEBRUARY : Statement of account
28th Feb: Letter informing me of cancellation of payment arrangement and to contact them to sort out my difficulty:
23/05/18: Letter Asking me to contact them to sort out my difficulty in paying. They go on to say the will pursue through my local count court if I do not contact the office. Will see what hey come with next, baring in mind they still have not come back with a CCA

So is it safe to assume that you didn't make Link Financial a Full & Final offer last November

Di

[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


UPDTE: 31/05/18

28th FEBRUARY : Statement of account
28th Feb: Letter informing me of cancellation of payment arrangement and to contact them to sort out my difficulty:
23/05/18: Letter Asking me to contact them to sort out my difficulty in paying. They go on to say the will pursue through my local count court if I do not contact the office. Will see what hey come with next, baring in mind they still have not come back with a CCA

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[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


UPDATE:
4/05/18: Various statement account letters. Most up to date letting me know that the payment arrangement has now been cancelled and for me to contact them within 7 days in order to review income and expenditure , offer specialist support ,redirect me to free advice , consider temporary hold on payments.....Well 7 days has passed, I guess they are contemplating what to do next

[Selinek]

Hi Jo , no I didn't. I sent a SAR to citi financial still wading through the war and peace document. From what I can see the agreement looks the same as the one I sent to Niddy. Its all gone quiet. I will send onto Niddy if the DCA makes another move