At long last I am claiming life back

[Selinek]

• Lloyd’s TSB
  • Type of account: credit card
  • Date commenced pre 2007
  • Approx balance: £545
  • Date last paid: 2008m
  • on DMP SC 21/11/17 cancelled DMP
  • Status :defaulted. dropped off my credit file
  • Account owner :Westcot now assigned to Moorcroft
  
  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!
  
  
  
  UPDATE: 18/06/18
  
  
  14/06/18:Letter from LLOYDS saying due to me not paying they have transferred my account to Moorcroft. They go on to say they have instructed Moorcroft to collect outstanding amount: Didn't realise Lloyds still own the account. No date on letter
  
  15/06/18 :Letter from Moorcroft a day later : Dated 13/06/18. They want me to contact them to arrange payment within 7 days or they will recommend further recovery to their client. Interestingly they say that Lloyds has registered a default against my credit file. This account has already defaulted and dropped off my CR , indicating to me Moorcroft aren't checking their records . I take it this is being passed around from DCA to another ? Do I need to do anything ?
  
  
  Update: 28/06/18
  
  Letter from Moorcroft received toady dated 25/06/18 informing of possible further action . They go on to say to prevent this from happening to contact them within 7 days with a payment proposal. I will wait to what they come back with. Will file in the mean time.
  
  
  6th July 2018, 17:17
  I’ve noticed that Moorcroft has done a search on my credit file. What would they see and what purpose would they have to do a search ?
  
  Susie Replied: It could be to see if anything has changed, or to see if they are likely to be paid If they see the debts you have listed, they will most likely not get the impression that you have a lot of money to pay them with!
  
  UPDATE: 31/07/18
  
  Letter from Moorcroft dated 9/7/18: they re concerned they haven't heard from and willing to accept a sensible monthly instalment. if no contact within 7 days they will resume collection activity: Filed
  
  Letter From Moorcroft dated 23/7/18 giving me till 30/07/18 contact them or they will continue to contact me by lettering phone ,refer to home collection for rep to establish contact report an adverse entry on credit file. Filed
  
  
  UPDATE: 01/10/18
  
  Letter from Wescot dated 08/08/18: Want me to contact them to set up repayment plan: Filed
• UPDATE: 01/10/18
• Letter from Moocroft date 06/08/18 ( I missed this one) threatening home collection team if I dont contact them by 13/08/18
• 15/08/18: Door step letter sent
• Letter from Moocroft: The acknowledged door step letter and are willing to correspond by post. Account to be held by 19/09/18. They also want me complete their income and exp form; Filed
• Letter from Moorcroft, threatening possible action. If I don't contact them 01/10/18 with a payment proposal they will contact their client to consider further debt recovery: Filed

UPDATE: 13/11/18

08/10/18: Letter from Moorcroft offering an instalment offer : Filed

22/10/18: Letter similar one sent before telling me they will either continue to contact me by letter, refer to home collection or report an adverse entry to credit file. I am to contact Moorcroft by 29/101/8 : Filed
05/11/18: Moorcroft stating they may involve the home collection team to establish contact etc etc: Had one of these before. I will send another door step letter : There is a sense of dejavu

UPDATE: 14/01/19
29/12/18:Letter from Lloyds informing me that they have re-assigned to Robinson Way. I need to contact RW by 09/01/19 with an offer of payment. I take it the whole circus starts over again , but with a different DCA

UPDATE:
Letter dated 14/0/19 from Robinson Way offering options to pay, even reduced settlement: Filed
Letter dated 29/01/19 from RW with options of settlement : Filed
Letter dated 19/02/19 from RW looking to settle giving suggestions of average minimum payment : Filed
Letter dated 17th May from Lloyds , Statement of Account : Filed
Letter dated 02/07/19 from Lloyds stating they have transferred credit card account to DCA Credit Security Ltd
Letter dated02/07/19 from Credit Security Ltd ( CSL) introducing themselves. Ask me to contact them to arrange payment: Filed
Letter dated 15/07/19 from CSL, heading Notice of Further Action . They go on to say they are disappointed I have not contacted them to make payment. They go on to say they will not ask me to pay more than I can afford etc etc. Anyway Filed

Letter dated 30/10/19 from CSL headed Final Notice. If I do not contact them within 10 days my account will be returned to their client for further recovery action which may include:
continued collection attempts by letter and phone
pass acct to another DCA

Selling acct to collection specialist who will commence collection activity to recover their costs ( WHAT DOES THIS MEAN? ) Filed

20/01/21
It has been a while but here is an update:

18/01/21: Letter from Lloyds informing debt sold to PRA. Included a letter from PRA informing the same; Filed
19/01/21: Voice mail message asking me to call: Noted
20/01/21Email asking me to get in touch : Noted
No doubt they will keep up the pressure

[Selinek]

I can see there's been a lot of talk but no action despite Intrum's relentless threats to issue legal proceedings against you.

I can also see that you've held your nerve over a considerable period of time.

Have you heard from Intrum recently?

Di

Hi Di I need to update my diary, but no action has been taken despite the threats. I feel majorly down the help I have gotten from here. I have been receiving letters offering substantial discounts Intrum. The have been filed. I have another 2.5 years or there about to be statue barred. I will be holding on

[Timewilltell]

Selinek, just hold fast, only the legal claim is the one to act on the rest are just decoration, only occasionally they trip themselves up. So just file with a smile.

[Selinek]

Selinek, just hold fast, only the legal claim is the one to act on the rest are just decoration, only occasionally they trip themselves up. So just file with a smile.

Definitely, holding my nerve I have gotten used to .only 2 1/2 years to go before statute barred worth filing everything

[Joanna Connolly Solicitors]

20/01/21
It has been a while but here is an update:

18/01/21: Letter from Lloyds informing debt sold to PRA. Included a letter from PRA informing the same; Filed
19/01/21: Voice mail message asking me to call: Noted
20/01/21Email asking me to get in touch : Noted
No doubt they will keep up the pressure

Finally! Lloyds have thrown in the towel on this debt which has been unenforceable for three years (since Feb 2018). Since then you've been hounded by various DCAs and threatened with doorstep collectors etc but you held your nerve. Well done.

All this over £545, but it's a legal argument not a moral or financial argument. If a creditor doesn't comply with the the relevant section of the Consumer Credit Act then they shouldn't be able to enforce it in court.

I note that PRA have now picked up the baton, so let's see what they do because they can be litigeous. However that doesn't mean they would win if they issued a claim as they discovered when they took me to court and lost.

Jo explains what happened here >

‘“RECONSTITUTED AGREEMENT” – IRREDEEMABLY UNENFORCEABLE”
“UNREDACTED DEEDS OF ASSIGNMENT – NO ASSIGNMENT PROVED”


So, held Recorder Bellamy in PRA Group (UK) Limited v Mayhew at Central London County Court on 22nd March 2017, at the end of a 3 day multi track trial, when dismissing PRA’s claim against our client.


Stale debts sued for on the back of 2 ‘reconstituted’ MBNA credit card agreements (May 1999 and October 2000) were held irredeemably unenforceable under CCA 1974. The evidence of an honest witness was preferred to that of so called “reconstituted agreements”.


After 3 days of close forensic examination of, and legal argument about, evidence and documents from both PRA and MBNA stating that our client’s specific debt had been assigned, the court held that no assignment had been proved.


Efforts, over many months, in earlier cases to force PRA into disclosure of un-redacted deeds and deep and sustained forensic challenge to the provenance of documents needed to prove regulatory compliance, finally drew back the veil. The reality behind bulk debt purchasing was revealed.


This decision shows that just saying an agreement is enforceable and producing a “reconstituted” copy does not prove that it is enforceable. Just saying an agreement has been assigned and producing a notice saying it has been assigned does not prove legal assignment.


Debt purchasers need to provide proof. If that means the pitifully few pence in the pound they pay for stale debts will increase because banks will now have to start keeping original evidence complying with regulatory consumer protection measures, it is hard to imagine many tears being shed, outside the City of London.

Di

[Selinek]

Finally! Lloyds have thrown in the towel on this debt which has been unenforceable for three years (since Feb 2018). Since then you've been hounded by various DCAs and threatened with doorstep collectors etc but you held your nerve. Well done.

All this over £545, but it's a legal argument not a moral or financial argument. If a creditor doesn't comply with the the relevant section of the Consumer Credit Act then they shouldn't be able to enforce it in court.

I note that PRA have now picked up the baton, so let's see what they do because they can be litigeous. However that doesn't mean they would win if they issued a claim as they discovered when they took me to court and lost.

Jo explains what happened here >




Di

Hi Di

I have heard that PRA can be rather forceful. Well if they go down this route it will be a test. Although it's good to know that you have won against them . A precident has been set which is very reassuring.

Thanks Di x

[Joanna Connolly Solicitors]

Hi Di

I have heard that PRA can be rather forceful. Well if they go down this route it will be a test. Although it's good to know that you have won against them . A precident has been set which is very reassuring.

Thanks Di x

Since it was in the County Court it's not binding, but it is jolly persuasive, and so is this case which PRA lost >

Another headache for PRA Group (UK) Limited today as we won another case against them in Walsall County Court.

The District Judge found for us in all our defence points - the agreement unenforceable, no evidence of assignment, bad default notice, non service of statutory notices and s.78 CCA 1974 breach.

PRA Group (UK) Limited were refused permission to appeal.

It was a 10k claim.

Di

[Selinek]

Since it was in the County Court it's not binding, but it is jolly persuasive, and so is this case which PRA lost >






Di

It certainly is. I am even more reassured with the 2nd case. Thanks Di

[Joanna Connolly Solicitors]

I am even more reassured with the 2nd case. Thanks Di

In which case let's go for a hat trick - here's a 3rd case which PRA lost in court >

PRA GROUP (UK) Limited were again defeated today in Truro County Court when the District Judge dismissed the claim having found that they -

1. had not proved assignment so no legal right to bring the claim
2. had not proved service of a Default Notice despite producing a reconstituted document
3. were in breach of section 78 Consumer Credit Act 1974.


Another happy client!

Di

[Selinek]

In which case let's go for a hat trick - here's a 3rd case which PRA lost in court >





Di

A glorified hat trick indeed.

[Selinek]

• Lloyd’s TSB
  • Type of account: credit card
  • Date commenced pre 2007
  • Approx balance: £545
  • Date last paid: 2008m
  • on DMP SC 21/11/17 cancelled DMP
  • Status :defaulted. dropped off my credit file
  • Account owner :Westcot now assigned to Moorcroft
  
  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!
  
  
  
  UPDATE: 18/06/18
  
  
  14/06/18:Letter from LLOYDS saying due to me not paying they have transferred my account to Moorcroft. They go on to say they have instructed Moorcroft to collect outstanding amount: Didn't realise Lloyds still own the account. No date on letter
  
  15/06/18 :Letter from Moorcroft a day later : Dated 13/06/18. They want me to contact them to arrange payment within 7 days or they will recommend further recovery to their client. Interestingly they say that Lloyds has registered a default against my credit file. This account has already defaulted and dropped off my CR , indicating to me Moorcroft aren't checking their records . I take it this is being passed around from DCA to another ? Do I need to do anything ?
  
  
  Update: 28/06/18
  
  Letter from Moorcroft received toady dated 25/06/18 informing of possible further action . They go on to say to prevent this from happening to contact them within 7 days with a payment proposal. I will wait to what they come back with. Will file in the mean time.
  
  
  6th July 2018, 17:17
  I’ve noticed that Moorcroft has done a search on my credit file. What would they see and what purpose would they have to do a search ?
  
  Susie Replied: It could be to see if anything has changed, or to see if they are likely to be paid If they see the debts you have listed, they will most likely not get the impression that you have a lot of money to pay them with!
  
  UPDATE: 31/07/18
  
  Letter from Moorcroft dated 9/7/18: they re concerned they haven't heard from and willing to accept a sensible monthly instalment. if no contact within 7 days they will resume collection activity: Filed
  
  Letter From Moorcroft dated 23/7/18 giving me till 30/07/18 contact them or they will continue to contact me by lettering phone ,refer to home collection for rep to establish contact report an adverse entry on credit file. Filed
  
  
  UPDATE: 01/10/18
  
  Letter from Wescot dated 08/08/18: Want me to contact them to set up repayment plan: Filed
• UPDATE: 01/10/18
• Letter from Moocroft date 06/08/18 ( I missed this one) threatening home collection team if I dont contact them by 13/08/18
• 15/08/18: Door step letter sent
• Letter from Moocroft: The acknowledged door step letter and are willing to correspond by post. Account to be held by 19/09/18. They also want me complete their income and exp form; Filed
• Letter from Moorcroft, threatening possible action. If I don't contact them 01/10/18 with a payment proposal they will contact their client to consider further debt recovery: Filed

UPDATE: 13/11/18

08/10/18: Letter from Moorcroft offering an instalment offer : Filed

22/10/18: Letter similar one sent before telling me they will either continue to contact me by letter, refer to home collection or report an adverse entry to credit file. I am to contact Moorcroft by 29/101/8 : Filed
05/11/18: Moorcroft stating they may involve the home collection team to establish contact etc etc: Had one of these before. I will send another door step letter : There is a sense of dejavu

UPDATE: 14/01/19
29/12/18:Letter from Lloyds informing me that they have re-assigned to Robinson Way. I need to contact RW by 09/01/19 with an offer of payment. I take it the whole circus starts over again , but with a different DCA

UPDATE:
Letter dated 14/0/19 from Robinson Way offering options to pay, even reduced settlement: Filed
Letter dated 29/01/19 from RW with options of settlement : Filed
Letter dated 19/02/19 from RW looking to settle giving suggestions of average minimum payment : Filed
Letter dated 17th May from Lloyds , Statement of Account : Filed
Letter dated 02/07/19 from Lloyds stating they have transferred credit card account to DCA Credit Security Ltd
Letter dated02/07/19 from Credit Security Ltd ( CSL) introducing themselves. Ask me to contact them to arrange payment: Filed
Letter dated 15/07/19 from CSL, heading Notice of Further Action . They go on to say they are disappointed I have not contacted them to make payment. They go on to say they will not ask me to pay more than I can afford etc etc. Anyway Filed

Letter dated 30/10/19 from CSL headed Final Notice. If I do not contact them within 10 days my account will be returned to their client for further recovery action which may include:
continued collection attempts by letter and phone
pass acct to another DCA

Selling acct to collection specialist who will commence collection activity to recover their costs ( WHAT DOES THIS MEAN? ) Filed
20/01/21
It has been a while but here is an update:

18/01/21: Letter from Lloyds informing debt sold to PRA. Included a letter from PRA informing the same; Filed
19/01/21: Voice mail message asking me to call: Noted
20/01/21Email asking me to get in touch : Noted
No doubt they will keep up the pressure


Letter dated 18/02/21 from PRA, received 24/02/21: offering a discount. No amount given. Being asked to call to discuss. I have up until mid March. Filed
Email 22/02/21 from PRA : Informing the debt has been sold to them, asking for me to contact them to arrange payment: Stored


2 years and 7 moths to statute barred. Keeping my head down.

[Selinek]

25 February 2021, 13:29

• Lloyd’s TSB
  • Type of account: credit card
  • Date commenced pre 2007
  • Approx balance: £545
  • Date last paid: 2008m
  • on DMP SC 21/11/17 cancelled DMP
  • Status :defaulted. dropped off my credit file
  • Account owner :Westcot now assigned to Moorcroft
  
  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!
  
  
  
  UPDATE: 18/06/18
  
  
  14/06/18:Letter from LLOYDS saying due to me not paying they have transferred my account to Moorcroft. They go on to say they have instructed Moorcroft to collect outstanding amount: Didn't realise Lloyds still own the account. No date on letter
  
  15/06/18 :Letter from Moorcroft a day later : Dated 13/06/18. They want me to contact them to arrange payment within 7 days or they will recommend further recovery to their client. Interestingly they say that Lloyds has registered a default against my credit file. This account has already defaulted and dropped off my CR , indicating to me Moorcroft aren't checking their records . I take it this is being passed around from DCA to another ? Do I need to do anything ?
  
  
  Update: 28/06/18
  
  Letter from Moorcroft received toady dated 25/06/18 informing of possible further action . They go on to say to prevent this from happening to contact them within 7 days with a payment proposal. I will wait to what they come back with. Will file in the mean time.
  
  
  6th July 2018, 17:17
  I’ve noticed that Moorcroft has done a search on my credit file. What would they see and what purpose would they have to do a search ?
  
  Susie Replied: It could be to see if anything has changed, or to see if they are likely to be paid If they see the debts you have listed, they will most likely not get the impression that you have a lot of money to pay them with!
  
  UPDATE: 31/07/18
  
  Letter from Moorcroft dated 9/7/18: they re concerned they haven't heard from and willing to accept a sensible monthly instalment. if no contact within 7 days they will resume collection activity: Filed
  
  Letter From Moorcroft dated 23/7/18 giving me till 30/07/18 contact them or they will continue to contact me by lettering phone ,refer to home collection for rep to establish contact report an adverse entry on credit file. Filed
  
  
  UPDATE: 01/10/18
  
  Letter from Wescot dated 08/08/18: Want me to contact them to set up repayment plan: Filed
• UPDATE: 01/10/18
• Letter from Moocroft date 06/08/18 ( I missed this one) threatening home collection team if I dont contact them by 13/08/18
• 15/08/18: Door step letter sent
• Letter from Moocroft: The acknowledged door step letter and are willing to correspond by post. Account to be held by 19/09/18. They also want me complete their income and exp form; Filed
• Letter from Moorcroft, threatening possible action. If I don't contact them 01/10/18 with a payment proposal they will contact their client to consider further debt recovery: Filed

UPDATE: 13/11/18

08/10/18: Letter from Moorcroft offering an instalment offer : Filed

22/10/18: Letter similar one sent before telling me they will either continue to contact me by letter, refer to home collection or report an adverse entry to credit file. I am to contact Moorcroft by 29/101/8 : Filed
05/11/18: Moorcroft stating they may involve the home collection team to establish contact etc etc: Had one of these before. I will send another door step letter : There is a sense of dejavu

UPDATE: 14/01/19
29/12/18:Letter from Lloyds informing me that they have re-assigned to Robinson Way. I need to contact RW by 09/01/19 with an offer of payment. I take it the whole circus starts over again , but with a different DCA

UPDATE:
Letter dated 14/0/19 from Robinson Way offering options to pay, even reduced settlement: Filed
Letter dated 29/01/19 from RW with options of settlement : Filed
Letter dated 19/02/19 from RW looking to settle giving suggestions of average minimum payment : Filed
Letter dated 17th May from Lloyds , Statement of Account : Filed
Letter dated 02/07/19 from Lloyds stating they have transferred credit card account to DCA Credit Security Ltd
Letter dated02/07/19 from Credit Security Ltd ( CSL) introducing themselves. Ask me to contact them to arrange payment: Filed
Letter dated 15/07/19 from CSL, heading Notice of Further Action . They go on to say they are disappointed I have not contacted them to make payment. They go on to say they will not ask me to pay more than I can afford etc etc. Anyway Filed

Letter dated 30/10/19 from CSL headed Final Notice. If I do not contact them within 10 days my account will be returned to their client for further recovery action which may include:
continued collection attempts by letter and phone
pass acct to another DCA

Selling acct to collection specialist who will commence collection activity to recover their costs ( WHAT DOES THIS MEAN? ) Filed
20/01/21
It has been a while but here is an update:

18/01/21: Letter from Lloyds informing debt sold to PRA. Included a letter from PRA informing the same; Filed
19/01/21: Voice mail message asking me to call: Noted
20/01/21Email asking me to get in touch : Noted
No doubt they will keep up the pressure


Letter dated 18/02/21 from PRA, received 24/02/21: offering a discount. No amount given. Being asked to call to discuss. I have up until mid March. Filed
Email 22/02/21 from PRA : Informing the debt has been sold to them, asking for me to contact them to arrange payment: Stored


2 years and 7 moths to statute barred. Keeping my head down.
Last edited by Selinek; 25 February 2021, 13:36.

05/10/22
PRA Countless emails , text asking me to get in touch . Ignored

Statue Barred 21/11/23 !

[Selinek]

22 August 2019, 20:55
Citi financial

• Type of account: credit card
• Date commenced pre 2007
• Approx balance: £1119
• Date last paid: 2008
• on DMP SC until November 2017
• 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

Updates
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.


Hi Some guidance would be appreciated. I have received a letter from 1st credit paying they are " considering " county court action. What do I need to do ? Had a CCJ some years ago , now got rid and all defaults removed from CF. Credit is looking good , not wanting to undo that.

Thanks in advance

Updates:
February 2018 1st credit sent letters one threatening to consider court action:

Great advice from ADD+ to sent missing PT letter and SAR to Citi Financial


March 2018: Letter from 1st Credit for me to contact them regarding a discount they are willing to offer... FILED away
Letter from Intrum in response to missing PT letter. Of course they believe the agreement in enforceable and want paying . More great advice from ADD+ will send to 2nd agreement to Niddy to be doubly sure and possibly SAR Stepchange as well .

Just waiting for SAR response for Citi Financial , then take it from there


UPDATE: 24/04/18

Received response to SAR. Sent originally to 1st credit. Received a letter from Canada Square operations stating they will be dealing with request. I have received over 400 pages of paperwork. Surprisingly I have received a copy of the EGG loan agreement and credit card agreement made in the early 2000's. These debts are currently owned by Link. I must say I was surprised to see the agreements , baring in mind I had not heard from Link after sending a CCA last year. They have stepped up their phone calls recently. Have I shot myself in the foot by asking for SAR ? Shall I send the EGG agreements to NIDDY to have look at. In terms of Citi financial they have sent another agreement. Apparently according the letter one is the "original CCA" the other is "the current CCA" One has my current address on it the other has my old address on it. It looks like the one sent from 1st credit from CCA request. Shall I send this NIDDY again too. Any advice would be greatly appreciated

Great Advice from Roger . Thank you

Update: 28/06/18

Letter from Intrum dated 24.04.18 informing me of change of name from 1st Credit: Filed

Letter from Intrum dated 15/06/18 offering a reduction off outstanding amount. Ignored filed

Letter from Intrum received today, dated 25/06/18: Heading YOUR ACCOUNT WILL SHORTLY BE PASSED TO OUR INTERNAL LEGAL DEPARTMENT. They go onto to say " your account will be passed our legal department to consider county court proceedings. They then list the consequences of a judgment attachment to earnings , warrant of control charging order. They don't want to pursue this course of action . They have given me 10 days to contact them to prevent further action. Of course I have no intention of contacting them. Do I just wait to hear from their legal department. Just so I'm clear does a letter before claim need to be sent before they actually go ahead and obtain a CCJ?

01/07/18
Just a query : After receiving the letter from Intrum I was prompted to finish wading through the the paper work sent by Canada Square ( acting on behalf of Citi ) ; in reposes to my SAR: all 1100 pages I was confused as they sent me details of my old EGG accounts. Roger put me right ,on why this was the case..what a relief. Had a look at the Citi Financial details sent me. I have all the contract details and application dates etc re EGG accounts but not so much for Citi . Canada square sent me the same copies of the credit agreements requested to 1st Credit. They have been sent what they call "the “original” agreement" with 2003 date interesting part is the year at the top of one agreements is 2008, but statements for citi cards start 2003. Both are the same as ones sent to Niddy. According to the wording from Intrum (see above) they are likely to pass onto their legal team for pursue a CCJ. Will this will discrepancy be my defence ? I know I should wait just want to get in mind what my plans will be.

Thanks in advance

UPDATE 09/07/18
Received letter from intrum's legal department dated 06/07/18 stating the account will be passed to their solicitors with the intention of issuing a letter before claim in accordance with the formal legal proceedings. They have given me 10days to get in touch to arrange payment. No doubt they are going to take matters further. Is there anything I need to do before hand or do I sit tight and be in touch once I receive the LBC.


UPDATE: 31/07/18 Letter from Intrum. Letter dated 17/07/18 responding to Final Response Letter. The are adamant they have complied with the Act with the following reasons. I did precis .. hope it makes sense


The answer section 78 of act . There are various things that maybe omitted...

1)Subject to the following provisions of these regulations , every copy of an executed agreement security instrument or other document referred to in the act and delivered or sent to debtor and any provision of the act should be a true copy thereof

2)There maybe omitted from any such copy

b) Any signature box or date of signature.

Creditors are not required tp provide a copy bearing signatures. They quote "this was confirmed by Judge Waksman in Carey v HSBC 2009. They go on to confirm they canned reconstitued copies which was enclosed with a letter they sent me in December 17. A statement of the terms of the agreement as varied has been provided to me

A statement account given from Dec 17

Compliance with section 61

They have sent an income and expediture for me to complete with a offer of payment

They have put account on hold for 30 days. they will pursue recovering the outstanding amount. Is this a standard letter they send out to give the impression that they are in the right and I am in the wrong?

UPDATE: 01/10/18: 11/08/18: Final response letter sent

Letter from Intrum, dated 20/08/18 responding to above. They wrote they provided a copy agreement with my signature nd varied terms I force at the time. Income and expenditure sheets sent to complete to . Account put on hold leaving with the outstanding monies will be recovered.

Letter from Intrum dated 25/09/18 : Want me to contact to discuss the status of account. If I don't respond in 10 days they may instruct their solicitors to commence legal proceedings : I will wait it out, Filed

UPDATE: 12/11/18

18/10/18: Very nice letter from Intrum giving a statement of account and advising they have convenient options to pay. They go on to talk about GDPR. Interesting baring in mind they were going take action : Filed

05/11/18: Letter from Intrum stating they will not be pursuing litigation at this point after reviewing my account . My account will be transferred from the Legal Department back to collections
I am asked to contact them with 10 days to discuss payment options : Filed will see what happens next

UPDATE:

09/11/18: Letter from intrum offering a 30% discount : Filed

UPDATE: 16/05/19: Letter from intrum offering a 50% discount : Filed

UPDATE: 07/08/19 : Letter from intrum offering a 65% discount: Filed

UPDATE: 13/08/19: Letter from intrum advising if I do not contact the m in 7 days they will pass my account to Resolvecall: Had this before with another company: Will send harassment letter.

UPDATE: Letter from Resolvecall. Dated 19/08/19 received today. I must contact them in 7 days or have a home visit. Door step letter will be send recorded tomorrow. Worked last time, heard they still turned up at someone house, but will see

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05/10/22

Letters from Intrum continue offering discount each month

[Selinek]

27 October 2019, 12:31
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

Advice Please:

I received a letter from Canada Square operations saying they have upheld my complaint for PPI. I had forgotten I had sent in a claim, was chancing my luck because I wasn't sure I had any PPI on account . On Friday I got a check for a couple of grand. If I cash the chq will this suggest I am responsible for the debt despite it is unenforceable

Update

05/10/22

March : letter from Arrow : Statement of account. Filed

[Selinek]

18 June 2018, 22:35
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.


UPDATE:

18/06/18

Letter from IDEM dated 07/06/18 informing me that they have instructed WESTCOT to collect outstanding sounding amount. I guess just wait ti hear from WESCOT. Interesting turns of events . Not so long ago they were threatening CCJ's

UPDATE:
July 2022: Idem informed me they have been purchased by hoist

July 2022: notification of assignment from Hoist
August: Hoist letter offer was to pay
September: Hoist Ways to pay
September Offering discount
Hoist: phone calls text messages and voicemail asking me to get in touch ignored