Vaper's Diary

[vaper]

BARCLAYCARD 1 My debt

• • Type of account -Credit card
  • Date commenced - 01/2004
  • Approx balance - £16,000
  • Date last paid- April 2017
  • Are you on arrangement or not paying- Not paying
  • Status- In arrears
  • Account owner- Barclaycard

19/05/17 Default sum notice received - late payment charge and over credit limit charge £12 each
25/05/17 You're late with your payment, please pay £ xxx
07/06/17 You've told us you're in an arrangement with a DMP, we will not contact you over the next 30 days.
20/06/17 Arrears notice
20/06/17 Default sums notice
22/06/17 We're having trouble getting in touch, please update your contact details on your online account (even though they have disabled it).
20/07/16 Default sum notice- late payment charge and over credit limit charge £12 each
18/08/17 Default sum notice - late payment charge
18/08/17 Arrears notice £ xxxx
05/09/17 Thanks for getting in touch about your current situation (that was back in May) I&E form enclosed
06/10/17 Your account is overdue we need to speak to you urgently, if you don't pay we'll send a default notice
19/10/17 Arrears notice
19/10/17 Late payment charge
20/10/17 Default notice. You have broken the agreement pay £xxx before 17 November. if you do not take action before the date shown then further action may be taken against you

28/12/17 Account assigned and transferred to Hoist Portfolio holdings Limited, HPH has appointed Robinson Way to manage your account.

02/01/18 Notice of assignment from Hoist.

16/01/18 Robinson way requesting payment arrangement

30/01/18 Robinson way offering 30% discount.

13/02/18 Robinson way -we are considering your account for legal action.

27/02/18 CCA request sent to Robinson way.

28/02/18 We have requested a copy of your agreement and put your account on hold temporarily until we receive them.

14/04/18 We have not yet received a response, account still temporarily on hold.

29/05/18 Still awaiting a response from original lender.

25/09/18 Notice of assignment from Hoist Finance UK Holdings 1 Limited due to group restructure Robinson Way will continue to service the account

19/10/18 Refund relating to your account, we have asked Hoist to reduce your outstanding balance to them

[vaper]

BARCLAYCARD 2 Partners debt

• • Type of account -Credit card
  • Date commenced- 24/05/07
  • Approx balance - £8000
  • Date last paid- 31/03/17
  • Are you on arrangement or not paying- Not paying
  • Status- In arrears
  • Account owner- Barclaycard

06/06/17 Default sum notice late payment and over credit limit charge £12,00 each
07/06/17 You've told us you're in an arrangement with a DMP we will not contact you in the next 30 days
08/06/17 We're having trouble getting in touch, please update your contact details on your online account (even though they have disabled it).
06/06/17 Arrears notice
04/08/17 Default sum notice late payment and over credit limit charge £12.00 each
05/09/17 Thanks for getting in touch about your current situation (that was back in May) I&E form enclosed
06/09/17 arrears notice
06/10/17 Your account is overdue we need to speak to you urgently, if you don't pay we'll send a default notice
06/11/17 Late payment charge
06/11/17 Arrears notice
07/11/17 Default notice. You have broken the agreement pay £ xxx before 05 December. if you do not take action before the date shown then further action may be taken against you.

28/12/17 A default has been registered in your account - you now need to pay your balance in full. Your account has now been passed to our recoveries team.

03/07/18 A refund has been issued on your account due to our operating procedures, we did not always meet our expected standards with customers who have fallen behind with their payments - (or words to that effect). That's the last correspondence with them. No DCA letter of assignment, nothing.

UPDATED 21/11/18

02/10/18- Your account has been assigned and transferred to Hoist Finance UK Holdings Limited. Moorcroft will be acting on their behalf also in the letter was a notice of assignment form Hoist.

27 10/18 - Letter from Moorcroft informing that they will be collecting on behalf of hoist.

15/11/18- letter from Moorcroft asking me to make a payment proposal before 22/11/18.
15/12/18 Moorcroft asking me to phone to agree a repayment plan or a discount.

Numerous calls and texts received from Hoist, all ignored.

UPDATED 05/07/19
01/01/19 Moorcroft offering a discount in an attempt to come to an agreement.
05/02/19 Moorcroft, no agreement has been reached so we will continue in our attempts to contact you by letter or phone.

[vaper]

• • Co-op 1 My Debt
• • Type of account -Credit card
  • Date commenced - 14/09/07
  • Approx balance - £6000
  • Date last paid- 18/04/17
  • Are you on arrangement or not paying- Not paying
  • Status- Defaulted
  • Account owner- Link Financial

14/06 17 We need to speak to you as you have missed a repayment
19/06/17 Review - we have reduced your credit limit as payments have not been made on time
28/06/17 Make a payment to bring your account up to date
17/07 17 Bring your account up to date or we will issue a default
24/07/17 We have cancelled your card
24/07/17 Default notice pay £xxxx within seven days
21/08/17 Final Demand, we might pass your account to a DCA
13/10/17 Letter from Link Financial give notice that your account has been assigned to us. furthermore Link assigned your debt to Asset Link Capital (no5) Limited As a result your debt is now owed to ALC5 but Link remains as the servicer.

13/10/17 Letter from co-op and Link informing that the debt has been assigned to Link Financial.
15/11/17 Letter asking for payment.
08/12/17 We are validating your address.
14/12/17 Letter asking me to contact them.
24/01 18 We have validated your address - contact us.
12/04/18 Statement of account.
13/07/18 CCA request sent to Link with postal order.
23/07/18 We have not written for a while as we had to validate your address - contact us
01/08/18 Letter informing me that credit rating could be damaged.
30/08/18 Offer from Link to pay the balance over 4 years.
12/10/18 Statement of account.
12/04/19 Statement of account.

[vaper]

Co-op 2 Partners debt



Type of account - Credit Card
Date commenced - 01/10/07
Approx balance - £7000
Date last paid- 18/04/17
Are you on arrangement or not paying- Not paying
Status– Defaulted
Account owner- Link financial


07/06/17We need to speak to you but haven't been able to reach you, please call us
14/06/17 We need to speak to you, you've missed a repayment
19/06/17 credit limit reduced as payments have not been paid on time
28/06/17 Make a payment or we may need to speak to credit reference agencies
10/07/17 Notice of arrears please bring your account up to date
21/07/17We have cancelled your card
21/07/17 Default notice. we will terminate the agreement if no payment is made
23/07/17 Statement- account in arrears
21/08/17 Final demand
13/10/17 Letter from Link Financial give notice that your account has been assigned to us. Furthermore Link assigned your debt to Asset Link Capital (no5) Limited. As a result your debt is now owed to ALC5 but Link remains as the servicer.

UPDATE
15/11/17 Please call us to discuss options available.
08/12/17 We are validating your address.
14/12/18 Call us to agree a repayment plan.
24/01/18 We have validated your address.
12/04/18 Statement of account.
13/07/18 CCA request sent to Link.
23/07/18 We have validated your address.
01/08/18 Call us to agree a repayment plan.
30/08/18 Offer to repay over 4 years
12/10/18 Statement of account.
12/04/19 Statement of account.

[vaper]

Mint 1 My debt

• • Type of account -Credit card
  • Date commenced - 23/04/08
  • Approx balance - £2300
  • Date last paid– 10/04/17
  • Are you on arrangement or not paying- Not paying
  • Status– In arrears
  • Account owner– Mint but passed to Wescot for collection

15/05/17 We have charged default fees to your account
25/05/27 We were expecting a payment to your account but haven't received it
01/06/17 We note that you have received assistance regarding your financial difficulties action deferred until 01/07/17
15/06/17 You are behind with your payments
12/07/17 We need to speak to you urgently
14/07/17 You are behind with your payments £12.00 fee charged
15/08/27 We have charged default fees to your account
15/08/17 Another letter telling me I'm behind with payments and they will charge fees
16/08/17 Default notice, pay by 06/09/17 or action MAY be taken against you
07/09/17 Account termination. We now require full repayment of the debt
25/09/17 Phone us or the debt will be referred to an external debt recovery agency
16/10/17 Unable to contact you so your details have been passed to Wescot to act as a collection agent and they will now be dealing with your account
02/11/17 Wescot informing that they have been instructed to make contact
09/11/17 Reminder from Wescot
12/11/17 We have not yet agreed a solution.
22/11/17 Reduced settlement offer.
09/12/17 Contact us for a repayment plan.
21/12/17 Letter from 2F Confirmation of residency.
06/01/18 Message from 2F to contact them.
21/02/18 Letter from Mint we have been unable to contact you so your account details have been passed to Robinson Way.
12/03/18Letter from Robinson Way asking to contact them.
03/05/18 Offer of payment required
12/04/18 We may be able to offer a reduced settlement
26/03/18 what can you afford to pay.
13/07/18 CCA request sent to Robinson Way.
16/07/18 £1.00 fee returned, we have requested the documentation and will be in touch.
06/09/18 Letter from MINT RBS, Our agent has been unable to contact you so your details have been passed to Allied International UK
26/09/18 Allied International offering a flexible approach to pay.
04/10/18 Allied international. We may be able to offer you a partial settlement.

UPDATE
25/02/19 From RBS. Our agent has been unable to contact you regarding this account. Yor details will now be passed to Moorcroft for collection.
11/03/19 Letter from Moorcroft informing that they will be collecting on this account.
21/03/19 Moorcroft - we've received no contact from you, please reply with your repayment proposal within 7 days to prevent further recovery action.
04/04/19 Moorcroft offering a monthly instalment plan.
18/04/19 Moorcroft - we've still had no contact from you, we will continue with our attempts to contact you either by letter or phone.
02/05/19 Moorcroft - your account has been passed to our home collections division, this could involve a local representative calling at your home address.

[vaper]

• • OMint 2 Partners debt

• • Type of account -Credit card
  • Date commenced - 05/04/08
  • Approx balance - £1690
  • Date last paid- 10/04/17
  • Are you on arrangement or not paying- Not paying
  • Status– In arrears
  • Account owner– Mint but passed to Wescot for collection

16/05/17 We have charged default fees to your account
26/05/17 We were expecting a payment but haven't received it
05/06/17 We note that you have received assistance regarding your financial difficulties action deferred until 05/07/17
16/06/17 Notice sent as you are behind with your payments
14/07/17 We've been trying to contact you, things are now at a serious stage, call us.
16/08/17Default fees charged to your account
16/08/17 Notice sent as you are behind with your payments
16/08/17 Default notice pay by 06/09/17 to stop the default
07/09/17 Account termination
25/09/17 If you don't phone us this debt will be referred to a DCA
03/10/17 We need to speak to you urgently about your account
16/10/17 Your account has been passed to Wescot. they will be in contact within 14 days
02/11/17 Wescot informing they have been instructed to make contact
09/11/17 Reminder from Wescot

UPDATED
12/11/17 Our checks have indicated you live at this address.
22/11/17 Reduced settlement offer
09/12/17 Offer of payment plan
21/12/17 Confirmation of residency letter
06/01/18 Request to contact
21/02/18 Letter from Mint we have been unable to contact you so your details have been passed to Moorcroft Debt recovery ltd
12/03/18 Letter from Moorcroft offering a flexible approach to pay
22/03/18 Contact us to make payment'
02/04/18 Monthly instalment offer
16/04/18 Moorcroft offering to send someone to visit at home
02/05/18 Your account has been passed to our home collections division.
21/05/18 Discount offer
20/06/18 Offer of repayment plan
13/07/18 CCA request sent to Moorcroft.
23/07/18 Reply from Moorcroft along with £1 postal order and the CCA request saying they cannot accept it as it must be signed by hand to ensure data remains protected please sign and return by 23/08/18/

UPDATED 05/07/19
28/11/18 Letter from RBS informing the account is being passed to Allied International Credit.
10/12/18 Letter from Allied International Credit informing they will be managing the account.
27/12/18 Letter from AIC requesting I&E or to phone to discuss a discount.
02/05/19 Letter from RBS informing Zinc Group will now be collecting agents for this account.
13/05/19 Letter from Zinc offering to help resolve the account.
10/06/19 Letter from Zinc offering a review of income and expenditure.

[vaper]

• • MBNA My debt
• • Type of account -Credit card
  • Date commenced – 01/07/15
  • Approx balance - £4000
  • Date last paid– 26/04/17
  • Are you on arrangement or not paying- Not paying
  • Status– In arrears
  • Account owner– PRA

04/06/17 We've placed a restriction on your account
07/06/17 Thank you for contacting us regarding difficulties paying, our details are xxxxx please make sure your payment always covers your minimum payment WTF!!!
09/06/17 Thanks for letting us know about your current situation fill in the enclosed I&E form
01/07/17 Notice of sums in arrears
12/07/17 You've missed two payments can we help
02/08/17 Stupid letter informing they are going to change default charges to £0 until I pay again then it will go back to £12
11/08/17 you've missed tree payments, your account has been blocked
01/09/17 Notice of sums in arrears
11/09/17 You've missed 4 payments please contact us
02/10/17 You're 5 payment behind please contact us
01/11/17 Notice of sums of arrears
01/11/17 Default notice. Account will default if not paid within 30 days

09/01/18 Credit agreement terminated

22/02/18 letter informing the account has been sold to PRA Group (UK) and a letter from PRA informing that they have purchased the debt.

26/03/18 Settlement offer from PRA

30/04/18 Settlement offer from PRA

01/06/18 Settlement offer from PRA

13/07/18 CCA request sent to PRA with required payment

16/07/18 Postal order returned to me with a letter saying they have requested the information and will contact when it is received.

14/08/18 Documentation received, just a copy of a credit card statement from December 2017

16/08/18 Documents received, very hard to see as its been printed so small. Terms and conditions of Credit card agreement, along with lots of pages of pre contractual explanations.

UPDATED:21/11/18

24/08/18 Discounted settlement offer from PRA can pay over 1,3, or 6 months with 10% discount.

Phone calls and voicemail messages almost daily - I never answer them.

20/11/18 CCA sent to niddy for checking - not expecting this to be Unenforcable because it's my most recent debt so will probably have to try and get them to settle with more than 10% discount.

Update 19/01/19

So, been getting daily phone calls from PRA, I never answer but they are leaving voicemail messages and text message saying to contact them urgently regarding my account. Is it time to contact them and make an offer at a reduced rate? I have to admit I'm starting to get a bit jittery about this one now.

ETA Niddy has checked this one and it is enforceable - hence the panic

UPDATE
17/01/19 Letter from PRA offering 20% discount and six month payment plan.
15/02/19 Letter from PRA offering same as above
28/03/19 Statement from PRA
30/04/19 Letter from PRA offering the usual 20% discount with six monthly payment plan.
31/05/19 Letter offering the usual 20% discount and six monthly payment plan.

26/06/19 Last two weeks have been horrendous with constant phone calls and messages from PRA so I've caved in and sent them a payment of £5. I know it's enforceable so I'll just keep sending a small amount here and there.

[vaper]

• • Santander Partners debt

• • Type of account -Credit card
  • Date commenced - 06/10/06
  • Approx balance - £5400
  • Date last paid - 10/05/17
  • Are you on arrangement or not paying- Not paying
  • Status- In arrears
  • Account owner– Santander

13/06/17 Sorry to hear about your change of circumstances please complete the enclosed I&E form, collections suspended for 30 days
13/06 16 we've stopped adding interest for 30 days etc.
28/06/17 we've temporarily stopped adding fees and interest to your card account
12/07/17 Arrears notice
28/07/17 Please make a payment towards your account
11/08/17 You need to make a payment towards your credit card
15/08/17 We wanted to let you know we've charged you for late, missed or returned payments.
18/08/17 Please call us immediately to arrange a repayment plan
26/08/17 Please call us urgently about your credit card or we may have to send you a default notice
30/08/17 You need to pay outstanding amounts or we'll block all of your accounts facilities
15/09/17 We want to let you know you've been charges for late, missed payments etc. £12.00
09/10/17 If you do not pay a default will be recorded
11/09/17 You have missed payments, we would like to help you etc.
16/10/17 We want to let you know you have missed payments etc.
23/10/17 We cant contact you so please contact Stepchange Pay plan etc.
26/10/17 We may have to register a default if you do not pay within 28 days of this letter
27/10/17 Default notice served. Pay within 14 days
30/10/17 We write to advise you that we plan to advise CRA's that you have defaulted on your account, we will do this in 28 days if you do not pay.
13/11/17 Notice of sums in arrears
15/11/17 Notice of default sums
29/12/17 Were referring your account to Moorcroft
04/01/18 Letter from Moorcroft please pay within 7days
17/01/18 Moorcroft informing of possible further action.
01/02/18 Monthly instalment offer
15/02/18 Offering repayment options
01/03/18 Your account has been passed to our home collections division
04/06/18 Discount offer may be available
14/06/18 Account statement
13/07/18 CCA request sent to Moorcroft
17/07/18 Letter from Santander we will be referring your account to Wescot credit services
31/07/18 Letter from Moorcroft informing they are no longer responsible for collection activity on this account £1 postal order and original CCA request were returned to me.
02/09/18 Wescot intro letter asking for contact.
05/08/18 Letter informing they know I live here and need to make contact
15/08/18 Reduced settlement offer
02/09/18 Opportunity of a repayment plan
21/02/19 Letter from Santander informing that the account will now be managed by drydensfairfax Solicitors.
04/03/19 Letter from Drydensfairfax Solicitors asking me to contact them by 18th March to agree a solution to this matter..
reading back through this post, I've just realised that the CCA request was never dealt with. On 31/07/18 (above) £1 postal order and CCA request were returned to me when they handed the account back to Santander.
UPDATED 05/07/19.
25/03/19 Letter from Drydensfairfax Fairfax requesting full payment by 08/04/19.
3/04/19 Letter from Drydensfairfax saying client may accept significantly reduced sum if paid by 17/04/19.
14//06/19 Statement from Santander.

[vaper]

• • Capital One Partners debt

• • Type of account -Credit card
  • Date commenced - 20/10/09
  • Approx balance - £9000
  • Date last paid-11/04/17
  • Are you on arrangement or not paying- Not paying
  • Defaulted
  • Status- In arrears
  • Account owner- Lowell

03/06/17 Thank you for getting in touch, all payment information is included with this letter
03/06/17 Were here to help. fill in the I&E form and return it and well help set up a payment plan
03/06/17 Thanks for contacting us. I've enclosed some extra payment slips for you light the fire with as you cant pay what you owe us anyway.
20/06 17 You've missed some payments
28/06/17 We need to update your email address as our messages are bouncing from that address (REALLY) !!!!
July 2017 We'd like you to call us to help you get back on track
August 17 We have to inform you that you'll permanently lose the use of your card.
19/08 17 You've missed at least two payments (I make that 4 but anyhoo)
August17 Its likely you'll lose the use of your card if you don't pay by 12/09/17
18/09/17 You have now permanently lost the use of your card
September 17 Were about to send you a default notice
16/10/17 Default notice (I think) It isn't set out like the others but seems to be saying the same thing ish
20 10/17 Notice of sums in arrears. I'm behind with repayments (No kidding Sherlock)
November 17 Your account is about to default unless you pay within 30 days - that's not gonna happen!
18/11/17 Statement of default
21/11/17 We need to reach a payment agreement
10/04/18 Introduction letter from Lowell and a letter from Capital One informing that the account has been sold to Lowell
27/04/18 Letter from Lowell requesting payment agreement
13/05/18 Options of ways to repay
28/05/18 Letter - we may assess your account for legal action.
11/06/18 We intend to take legal action if you do not contact us to agree repayment
25/06/18 We will take legal action if no contact is made by 09/07/18 to avoid further action we can offer a 20% discount
10/07/18 We will be instructing solicitors if you do not arrange to repay
13/07/18 CCA request sent to Lowell
24/07/18 We have requested documentation from Capital One, account is on hold. if we have not heard from Capital One after 40 days time we will send you an update.
21/11/18 Response from Lowell with CCA response and reams of statements. Account is put .on hold until 19/12/18 while I check their paperwork
23/12/18 Letter from Lowell informing that they haven't heard back from me yet and to get in touch
10/01/19 Letter from Lowell - please contact us to make payment arrangements.
21/01/19 We have tried to contact you several times, we will shortly be passing your account to our collections department or one of our debt collection agencies. we are willing to offer a discount of 30% in affordable instalments.


24/01/19 CCA request sent to Niddy for checking

Niddy has checked this one and it is enforceable. Any ideas how we go forward with this now?
Theyve offered a 30% discount up to now so I'm wondering how much more flexible they might be.
Should I offer them a token payment, say £5 a month or just say nothing and await their next letter?

UPDATED 05/07/19
25/02/19 Letter offering affordable repayments of £1 per day.
10/04/19 Letter saying I could close my account with a 50% discount.
13/05/19 Letter offering a 60% discount.
07/07/19 Found an email in spam folder informing that this account has now been passed to BPO collections to recover the outstanding balance. They are offering a 40% discount as a one off payment.

UPDATE
12/11/19 You have failed to repay your account, it has now been sent to Lowell Solicitors Limited.
12/11/19 Notice of acting. Lowell Portfolio l Ltd has instructed us to recover the outstanding balance, we are instructed to issue legal proceedings unless you pay £?????
21/11/19 Letter of claim - 30 days to prevent legal Action.....Spoke to Di and she told me to have a nice Christmas and not worry about this one yet

21/01/20 County Court claim form received. Still in talks with Di about what we will do next

UPDATE
30/01/20

Letter received from Lowell Solicitors
Notice Of Claim Issue
We act for Lowell Portfolio 1 Ltd and notice that you have failed to repay your debt or contact us to agree a suitable resolution to this matter.
We have now issued legal proceedings and you will shortly receive a county court claim from ......... Court.

we received the claim last week


01/02/20
SAR sent to Capitalone.



17/02/20
SAR paperwork received from Capital one, it's huge, like a bloody phone book!

[vaper]

So here's my diary. its been a long time coming cos I struggled to get my head out of the sand for a while. There may be some mistakes which I'll need to go back and edit but this is it for now and I will add to it as new stuff comes in. I did find myself wanting to add very sarcastic comments to some of the letters we've receive but managed to resist most of them. that may change now its all out there though!

[vaper]

So here's my diary. its been a long time coming cos I struggled to get my head out of the sand for a while. There may be some mistakes which I'll need to go back and edit but this is it for now and I will add to it as new stuff comes in. I did find myself wanting to add very sarcastic comments to some of the letters we've receive but managed to resist most of them. that may change now its all out there though! Also I've had millions to many to mention voicemails etc from various agency's and Original creditors but just don't have the heart to find/sort through them all

[vaper]

So, what next folks?
Do I have to CCA some/all of the creditors?

[JLC]

I would CCA them if it was me.

[The Tech Clerk]

depends if you are serious, CCA1974 request is the starting point for any pre-2007 accounts,

[The Tech Clerk]

depends if you are serious, CCA1974 request is the starting point for any pre-2017 accounts, send recorded delivery keep copy


seems to me bad credit company practice to allow so many credit card accounts, greed at the time comes to mind regarding these companies as CRA file would show number of credit agreements with you in existence.