Vaper's Diary

[vaper]

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.

First mistake from me. I forgot to say that these are mine and my partners debts so not all in my name.
Sorry I don't understand what you mean by serious, I am serious about being unable to pay them anymore.

[The Tech Clerk]

you stated:- Quote:-

Do I have to CCA some/all of the creditors?

so if you are serious then CCA1974 each one, suggest do a diary for each company/credit card to save confusion, in respect of your wife's a diary each account under her name , and remember to send letters etc Recorded Delivery and attach receipts to your copy, suggest file for each account?

[The Tech Clerk]

as far as being unable to pay them - well we have all been there! so do not fret, remember they are not interested in any of your problems they are only interested in monies, so not to worry but as you state start to try and sort out the problems, we are here to try and assist where we canO.K.?

[Joanna Connolly Solicitors]

BARCLAYCARD 1 My debt

• • Type of account -Credit card
  • Date commenced - 6/01/04
  • Approx balance - £16,046
  • Date last paid- 18/04/17
  • 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 £480.00
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 £944.65
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 £1720.53
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 £2467.80 before 17 November. if you do not take action before the date shown then further action may be taken against you

Barclaycard will probably send you some more letters and then either outsource collection to a Debt Collection Agency or assign (sell) it to a debt purchaser once they realise you're not going to resume payments to them.

Each time you get a letter from them update your original post and then re-quote it (like I've done) so anyone offering help can see which debt is which before suggesting your next step.

You can send a s 77-79 CCA Request to them now but it may be best to wait until it's sold on because this is an account from 2004 so there's hope that they may not have retained the credit agreement (assuming you even signed one!).

Debt purchasers don't always have access to everything from the original creditor and even when they do the OC isn't necessarily motivated to co-operate.

See what happens next.

Di

[vaper]

Thanks for your replies folks. I'm trying to rationalise it all in my head. Total debt now stands at a whopping £61,461 and still climbing thanks to barclaycard stalling with their defaults. It's making me feel quite anxious now I can see it all written down.
I'm trying to make myself feel better by thinking 'what's the worst thing that can possibly happen' once I figure that out I'll be able to get my head right and get on with facing it all properly.
I've been and got myself a printer and some postal orders!

[vaper]

you stated:- Quote:-

Do I have to CCA some/all of the creditors?

so if you are serious then CCA1974 each one, suggest do a diary for each company/credit card to save confusion, in respect of your wife's a diary each account under her name , and remember to send letters etc Recorded Delivery and attach receipts to your copy, suggest file for each account?

I am Mrs Vaper. . Mr does not deal with anything financial, so I suppose I'm mostly to blame for this mess.

[Joanna Connolly Solicitors]

I am Mrs Vaper. . Mr does not deal with anything financial, so I suppose I'm mostly to blame for this mess.

You're not to blame for anything. Stuff happens.

This forum will help you along the way

Di

[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– MBNA

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.

[Spud]

So PRA finally sent you some documents.....

So the next stage is to scan them ( if you are able to) and email them to Niddy for checking on the following email address: webmaster@all-about-debt.co.uk

Don't blank anything out as he would need to see the full detail and it is quite safe as only Niddy is able to see these details etc. Send any terms and agreements they sent you together with the covering letter - But there is no need to send the copy statements etc

He does get pretty busy so he may take a few days to come back to you but just hang in there until he does

Any problems - Post up and we will get you sorted

[vaper]

Thank you spud, much appreciated. I will try and get them scanned and send to Niddy over the weekend.
i have no doubt that this one will be enforceable but at least I have had over a year without paying anything

[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).
Thats the last correspondence with them. No DCA letter of assignment, nothing.

[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– MBNA

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.

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.

[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
28/12/18 A default has been registered on 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.

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.
Numerous calls and texts received from Hoist, all ignored.

[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]

• • 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.

UPDATE 21/11/18