Blodwen's UE Journey

[Blodwen]

Thank you Cymru for your reply and for pointing me in the right direction of the SAR, its much appreciated. Am I correct in thinking that I have to send two SAR letters, one for myself and get OH to do one too, as none of the debts are joint one's they in our individual names. Can I ask what the tamper proof signature is? Do I sign it electronically or manually? Please bare with me whilst I ask multitude of questions
I envisage having many an interesting discussion with OH on this journey! I will definitely post here before I react to anything. You are all such a font of knowledge and so helpful. It truly is amazing to have such support. I couldn't do this without you.

[cymruambyth]

Hi Blodwen

It will be difficult at first but will get stronger as you gain more control of your financial life. Just make sure that you post here before you react to letters calls etc as our responses are designed to protect you. I would send a SAR to your DMP. https://www.all-about-debt.co.uk/for...t%20Access.doc You need to send it recorded delivery and with a £10 cheque or postal order. This should supply all the information that you need. My husband totally relied on me, which is great until there is a problem and it’s all your fault, which leads to some interesting discussions Good luck and try to remember that you will eventually reach the point when you feel neglected because no one wants to write to you any more as it almost becomes a game as you gain more and more control.

[Blodwen]

Up with the lark this morning - unable to sleep with too much information swimming around in my head.

I have finally written to our DMP and let them know we are going self managed. It feels kind of strange after being with them for so long. Do I ask them for all relevant information that they hold on us from the creditors? Apologies if this is a daft question but I am still learning and fast in this process.

Its thanks to you lovely people that I have had the confidence to even get to this stage. I would never of dreamed I would be going self managed as I am such a worrier and the DMP was like a comfort blanket for so long. Or so I thought until I landed here and boy how I wish I had done so a long time ago, like so many of you. My OH simply lets me get on with it and trusts that I will guide us in the right direction!! I'm glad I have got you lot to turn for advice and endless questions.Thank you.

I imagine the letters and phone calls will ramp up now. Time to get my armored Rhino Skin on!!

[Blodwen]

Hubby had a TSB card taken out in 80s, Lloyds kept insisting he would of signed an agreement, but they never sent a copy of it, passed from DCA to DCA, then Lloyds admitted, 3 years later that they wouldn't have a copy as the account was so old, sent us £60 as compensation, I soon spent that,

Fingers crossed they don't find this one either

[nightwatch]

Hubby had a TSB card taken out in 80s, Lloyds kept insisting he would of signed an agreement, but they never sent a copy of it, passed from DCA to DCA, then Lloyds admitted, 3 years later that they wouldn't have a copy as the account was so old, sent us £60 as compensation, I soon spent that,

[Blodwen]

"Still Waving" thank you for your reply. I thought as much. I could kick myself for doing so! I thought I had done the right thing at the time until I started to digest more info from on here. Fingers crossed they do indeed have difficulty in finding the agreement.

The diary entries took me an age to compile lol.

[Still Waving]

Lloyds Bank (Was Lloyds TSB)

• Credit Card
• Date Commenced - January 2002 (However we feel this date is incorrect as I am pretty sure this was initially taken out in 1987/88 when it was TSB)
• Approx Balance - £12,000
• Status - Default March 2012
• Date Last Paid – Full Payment November 2011
• Are you on arrangement or not paying - Date last paid via DMP August 2017
• Account Owner – Moorcroft

7^th August 2017 – CCA sent to Moorcroft recorded delivery with Postal Order.

23^rd August 2017 – Letter from Lloyds with a photocopy of our original CCA request to Moorcroft attached – Lloyds requested we provide them with a 16 digit account number as further validity of our account as they unable to find our details.

31^st August 2017 – We replied to this request informing them of the required information. Was this a daft thing to do??

23^rd October 2017 - Letter from Moorcroft stating – despite numerous attempts to contact you, payment has still not been received as per the agreement in place on our system with the result that your account is in arrears. Requested we contact one of their representatives to arrange payment, if payment is not made with us you may leave us with no alternative but to recommence collection activity, such as further letters and calls.

No Payment has been made since August when we put our DMP on hold. We have yet to receive any information with regards to our CCA request since we provided Lloyds with our account details on 23^rd August 2017.
Do we respond to this letter or file it away for now until we receive our CCA Information?

Hi

Well done on posting all those diary entries.

Regarding the sentence highlighted in purple - I would not have told them the account number. While they can't find your details, they will not be able to enforce the account. Now wait and see what they come up with. If it was formerly a TSB card, hopefully they will have difficulty in finding the agreement.

[Blodwen]

Well......................there it all is......Finally done it and the journey begins

[Blodwen]

Barclays

• Credit Card - ??? States Account Type Bank on Credit Report - Unsure if this could be an old Egg Account
• Date Commenced - March 2001
• Approx Balance - £1,500
• Date Last Paid – Full Payment November 2011
• Status – Default August 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – Link Financial

7th August 2017 – CCA sent to Cabot recorded delivery with Postal Order.

16th October 2017 – Letter received from Link – Recon and a Statement of Account. They informed me that this completes their obligation under 78 of the Act.
Copies sent to Niddy for clarity – Niddy has informed us that it is UE due to them not being a signed agreement.


Filed away at this stage and no further payment is going to be made for now. If at a later date they threaten court action then missing prescribed terms will be forwarded.

January 2018 - Informing me that due to failure response to their letters/telephone calls leaves them with limited options at this stage and they request I contact them to discuss this further. - I have filed this away and won't respond to them at this point.

August 2018 - Letter from Link Financial informing us they have tried to contact us via letter and attempted to call us. No Correspondence since January 2018 but constant phone calls received. We will probably send them the phone call harassment letter as it is constant. Noted and Filed at this stage.

September 2018 - Letter from Link Financial requesting we validate our address. We didn't respond to this letter, simply Noted and Filed.

[Blodwen]

Barclays

• Credit Card ?? States Account Type Bank - States Type Bank on Credit Report
• Date Commenced – October 2007
• Approx Balance £4,000
• Date Last Paid – Full Payment November 2011
• Status – Default August 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – Link Financial

7th August 2017 – CCA sent to Cabot recorded delivery with Postal Order.

16^th October 2017 – Letter received from Link – Recon and a Statement of Account. They informed me that this completes their obligation under 78 of the Act.
Copies sent to Niddy for clarity – Niddy has informed us that it is UE due to them not being a signed agreement.


Filed away at this stage and no further payment is going to be made for now. If at a later date they threaten court action then missing prescribed terms will be forwarded.

January 2018 - Informing me that due to failure response to their letters/telephone calls leaves them with limited options at this stage and they request I contact them to discuss this further. - I have filed this away and won't respond to them at this point.

April 2018 - Letter from Link Financial Outsourcing Ltd requesting we contact them to arrange payment - Noted and Filed.

May 2018 - "Letter received from Link Financial requesting we contact them to arrange making payment - Noted and Filed.

September 2018 - Letter from Link Financial Outsourcing Ltd requesting we verify our address - Noted and Filed.

November 2018 - Letter from Link Financial Outsourcing Ltd requesting we contact them to confirm our intentions of settling the alleged debt. - Noted and Filed.

[Blodwen]

Barclays Bank

• Unsecured Loan
• Date Commenced - February 2007
• Approx Balance - £2,500
• Date Last Paid – Full Payment November 2011
• Status – Default February 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – PRA GROUP UK

7th August 2017 – CCA sent to PRA recorded delivery with Postal Order.

11^th August 2017 – Quick turnaround from PRA returning our postal order and requesting further information from original lender.

26^th October 2017– No further contact as yet.

December 2017 - Statement of account received - Noted and Filed.

July 2018 - "Notice of Information and not a demand for payment letter" received from PRA Group, offering us three payment options to settle the account. Noted and Filed.

November 2018 - Letter from PRA Group informing us they are unable to provide us with a copy of our original agreement and therefore deem the alleged debt as currently unenforceable. - Noted and Filed.

September 2019 - Letter from PRA Group - Statement of Account - Noted and Filed.

[Blodwen]

MBNA

• Credit Card
• Date Commenced June 2005
• Approx Balance - £3,500
• Date Last Paid – Full Payment November 2011
• Status – Default Julne2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – PRA Group UK

7th August 2017 – CCA sent to PRA recorded delivery with Postal Order.

11^th September 2017 – Letter from PRA including some documentation, which according to their letter states this is currently unenforceable and they are awaiting further documentation in order to complete the CCA request. They have acknowledged at this moment in time they are unable to take court or further enforcement action against us to recover the outstanding balance. They have informed us they are still legally entitled to request their funds etc etc..

26^th October 2017 – No Further contact has been from PRA and my payment to them has ceased.

February 2018 - Statement of Account received from PRA. - Noted and Filed.

August 2018 - PRA have sent us some documentation with regards to our CCA request. There are no T&C's etc simply just copies of a few credit card statements stapled together. They have requested we contact them within 10 days to discuss this further.

August 2018 - Letter from PRA "Settle Account" - Noted and Filed.

October 2018 - "Could we Settle our Account" Letter received from PRA Group. - Noted and Filed.

November 2018 - Letter from MBNA informing us there was an error on our previous NOSIA received, as a result they have supplied us with a correct one! - Noted and Filed.

December 2018 - Letter from PRA asking us to settle our account. Noted and Filed.

April 2019 - Letter from PRA iinforming us they have purchased the account from MBNA and asking us to settle our account. Noted and Filed.

December 2019 - Letter from PRA requesting we call them to arrange payment. - Noted and Filed.

January 2020 - Letter from CSL - 'Notice of Instruction' requesting payment on behalf of CSL- Noted and Filed.

April 2020 - Letter from CSL - 'Limited Time Offer' - partial settlement & requesting we call them to arrange payment. - Noted and Filed.

May 2021 - Letter from PRA requesting we call them to arrange payment. - Noted and Filed.

September 2021 - Letter from PRA 'LBC' - Noted and Filed and solicitor instructed.

[Blodwen]

MBNA

• Credit Card - Formerly Virgin CC
• Date Commenced February 2006
• Approx Balance £4,000
• Date Last Paid – Full Payment November 2011
• Status – Default July 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – PRA Group UK

7th August 2017 – CCA sent to PRA recorded delivery with Postal Order.

August 2017 - Postal Order returned from PRA - account placed on hold until they retrieve further information. Noted and Filed.

11^th September 2017 – Letter from PRA including some documentation, which according to their letter states this is currently unenforceable and they are awaiting further documentation in order to complete the CCA request. They have acknowledged at this moment in time they are unable to take court or further enforcement action against us to recover the outstanding balance. They have informed us they are still legally entitled to request their funds etc etc.. Noted and Filed

26^th October 2017 – No Further contact has been from PRA and my payment to them has ceased.

February 2018 - Statement of Account received from PRA. - Noted and Filed.

October 2018 - Could you Settle Your Account Letter from PRA Group. Noted and Filed.

November 2018 - Letter informing us PRA Group have purchased the outstanding balance from MBNA Ltd - Very confused at this stage as all paperwork previously stated that PRA group owned the debt!

December 2018 - LBC Letter received from PRA group - we have 30 days to respond.

December 2018 - LBC forms completed and returned to PRA. Copies filed.

January 2019 - Letter received from PRA informing us our account has been placed on hold for 30 days to enable them to provide us with a full response.- Noted and Filed.

February 2019 - Letter from PRA inclusive of Reconstituted copy of the agreement with MBNA and copies of statements but only a years worth. They mentioned in their letter that they already provided us with this information between two certain dates, however we didn't receive this information. They have placed our account on hold for 30 days. Noted and Filed and seeking advice.

February 2019 - Reconstituted documents have been checked by Niddy and he has deemed them enforceable. - contemplating my next step.



February 2019 - SAR letter sent to MBNA via signed for service. Copy letter filed.

March 2019 - Continuation of Legal Process letter received from PRA. Noted and Filed and Advice Sought.

March 2019 - SAR received from MBNA - Noted and Filed.

April 2019 - PRA issued Claim - Seeking Advice

April 2019 - Instructed Joanna Connolly's Firm to act on our behalf with regards to PRA issuing claim against us.

June 2019 - Fantastic news from Joanna Connolly's team - PRA have discontinued with their claim against us.

[Blodwen]

Barclays

• Credit Card
• Date Commenced - March 2008
• Approx Balance - £1,300
• Date Last Paid – Full Payment November 2011
• Status – Default August 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – PRA Group UK

7th August 2017 – CCA sent to Cabot recorded delivery with Postal Order.

11^th August 2017 – Quick turnaround from PRA returning our postal order and requesting further information from original lender.

26^th October 2017– No further contact as yet.

August 2018 - Letter from PRA Group "Account Summary" - Noted and Filed.

August 2019 - Letter from PRA Group "Account Summary" - Noted and Filed.

[Blodwen]

Halifax

• Credit Card
• Date Commenced – January 2009
• Approx Balance - £2,000
• Date Last Paid – Full Payment November 2011
• Status – Default July 2012
• Are you on arrangement or not paying – Date Last Paid via DMP August 2017
• Account Owner – Cabot and was previously Apex.

7th August 2017 – CCA sent to Cabot recorded delivery with Postal Order.

1^st August 2017 – Account statements arrive for periods October 2016 – March 2017 - States Account Owner is Cabot Financial (Europe) Limited

17^th August 2017 – Letter received from Cabot informing us they have requested the relevant details from the original lender.

30^th September 2017 – Account statements arrive for periods April 2019 – September 2017 - States Account Owner is Cabot Financial (Europe) Limited.

26^th October 2017 – No Further contact from Cabot with regards to our CCA information.

October 2017 - Welcome to Cabot letter received. - our account has been transferred from Apex and now is managed by Cabot......Really odd to receive this as they have been corresponding with us prior to receiving this letter - still no response to our CCA request.

2018

January 2018 - Letter received from Cabot requesting we contact them to arrange payment. - States current lender is Cabot Financial UK Limited. - Noted and Filed.

February 2018 - Letter received from Cabot - requesting we contact them to arrange payment. - On the right hand side of this letter it states current creditor is Cabot Financial UK Limited - however when they sent the statement of account they made reference to the owner being Cabot Financial (Europe) Limited - Noted and filed.

March 2018 - (As Above) -Letter received from Cabot - requesting we contact them to arrange payment. - On the right hand side of this letter it states current creditor is Cabot Financial UK Limited - Noted and filed.

April 2018 - (As above) -Letter received from Cabot - "We have not heard from You" please contact us to arrange payment. - On the right hand side of this letter it states current creditor is Cabot Financial UK Limited - Noted and filed.

April 2018 - "We have not heard from you" Letter received from Cabot Financial UK Ltd - Noted and Filed.

April 2018 - Letter with regards to our CCA request from Cabot Financial UK Limited informing us they are unable to get the information requested from the original lender. Noted and Filed

May 2018 - "Your Balance is waiting to be paid" letter received from Cabot Financial UK Limited. - Noted and Filed.

June 2018 - Letter received from Cabot Financial UK Limited requesting we contact them to arrange a new payment plan. - Noted and Filed.

June 2018 - "Working within your budget" Letter received form Cabot Financial UK Limited inclusive of and I & E to complete - Noted and Filed.

July 2018 - "Save XXX amount when you update your budget" letter received from Cabot Financial UK Limited, inclusive of I & E to complete - Noted and Filed

September 2018 - "A new Approach" Letter received from Cabot Financial UK Limited - Request we contact them to arrange payment. Noted and Filed.

October 2018 - "How can we help" letter received from Cabot Financial UK Limited - Request we contact them to arrange payment. Noted and Filed.

November 2018 - "Your Account" Letter received from Cabot Financial UK Limited - Request we contact them to arrange payment. Noted and Filed.

December 2018 - Letter from Cabot Financial noting our comments with regards to our "Doorstep Visit" Letter to them. They have requested we contact them to arrange payment. - Noted and Filed. This letter was received in respect of another alleged debt which is held by Cabot Financial, in which they informed us we would be receiving a door step visit. They have acknowledged separate accounts within one correspondence.

January 2018 - Received a "Doorstep Visit" from Resolvecall even after Cabot Financial acknowledged our letter to them!! - Noted and Filed.

January 2018 - Letter received from Cabot Financial informing us our account is no longer on hold and they have requested we contact them. Noted and Filed.

April 2019 - Letter from Cabot Financial "Discover your options" - Noted and Filed.

July 2019 - Letter from Cabot Financial "We have passed your account to Debt Managers (Services) Ltd. - Noted and Filed.

July 2019 - 1st Letter from Debt Managers (Services) Ltd - Informing us Cabot Credit Management has transferred the account to them. - Noted and Filed.

August 2019 - Letter from Debt Managers (Services) Ltd - Requesting we arrange payment. - Noted and Filed.

August 2019 - Letter from Debt Managers (Services) Ltd - "Fantastic Saving Opportunity" - Noted and Filed.

December 2019 - Looks like the Alleged Debt is now back with Cabot but we have not received notification of the transfer back from Debt Managers (Services) Ltd. Letter from Cabot Financial "We're waiting for you to set up a plan" - Noted and Filed.

January 2020 - Letter from Cabot Financial "Get back on track with a payment plan" - Noted and Filed.