Terryw journey to unenforceability

[The Tech Clerk]

good

[terryw]

Yep stopped paying now Thanks

[cymruambyth]

That’s a good result. Keep the letter safe; I hope you have stopped paying them.

[terryw]

Barclaycard credit card
Barclaycard no 4

Commenced 80s or 90s

Bal £800

Last paid march 2018

Paying lender

Up to date

Account with lender

mar 2018 Sec 78 request

stopped paying now

Edit and correction .....

The reply to the sec 78 request points out that for accounts opened prior to !985 the copy agreement
provided may compromise a copy of current terms and conditions which they have sent. so they are not admitting to UE

I am sending this to Niddy for his opinion.

UPDATE
Niddy has confirmed this is enforceable. I am applying for a SAR just to see if there is an update as suggested by poster MisterK below

June 1 2018 SAR reply still not received. Will update as and when

] UPDATE 23 October 2018

Sar received and it looks to be enforceable. Nothing paid since June and Default notice now received Will see if reduced settlement offered before I make a payment

March 2019. Sold to a well known buyer of debts My tablet keeps altering the name to Boost but it actually rhymes with moist . Sorry about that.

30 Dec 2022 Update

?I have received lots of letters and texts from the owner of the debt. I have ignored them all. Invitations for 28 per cent discount and their you pay we'll pay plan.
The clock is ticking so no action from me until something serious happens

UPDATE 3JULY 2023

Moist with an H have been taken over by Lowell so Lowell are now the owners of this debt
Received some begging texts but nothing to worry about
Just wait and see what happens......and hope Oct 24 arrived before anything worrying happens

18 Nov 2024 UPDATE

Six years up from default notice and vanished from CRAs
Now

[terryw]

send a SAR that should give you all the info held by them Recorded delivery £10 postal order

Thanks. SAR request sent today. Will update as and when

[terryw]

Barclaycard credit card
Barclaycard no 3

Commenced 80s or 90s

Balance approx £900

Last paid March 2018

Not on arrangement

Account up to date

Account with lender

march 2018 cca request sent

reply confirming UE

very pleased. Direct debit cancelled

??????June 1 2018 Nothing new just begging letters and reduction in limit

UPDATE 23 October 2018

Oops my error. I stupidly had not cancelled the DD for minimum payment ! I have done this now.

March 2019. Default notice

UPDATE 30 Dec 2022

Very happy to report no letters since 20 March 2019. Letter states
Please be assured that your agreement is still unenforceable.


Just a waiting game now for the six year clock to operate

UPDATE 3 JULY 2023

Nothing from them and obviously radio silence from me
Roll on the six year point!

[terryw]

Barclaycard credit card
Barclaycard number 2

commenced 80s or 90s

Bal approx £4000

Last paid march 2018

Not on arrangement

Status up to date

Account with lender

march2018. CCA request sent

march 2018 reply acknowledging UE. But suspending account because of increased risk!

very pleased Direct debit cancelled


june 1 2018. Other than begging letters and redu tion of limit nothing new

UPDATE 23 October 2018

Default notice issued with further confirmation that it is UE but still asking for payment! No action rquired!

UPDATE 30 December 2022


Nothing at all since the previous update in Oct 2018! Happy day! Still on my credit file. Hopefully I have to just sit it out until the sixth year point.

UPDATE 3July 2023

Still nothing at all since 2018. Roll on Sept 2024 when six years are up

UPDATE 26 OCT 2024

Now as over six years old from Default Notice and vanished from credit agencies

[The Tech Clerk]

send a SAR that should give you all the info held by them Recorded delivery £10 postal order

[terryw]

MBNA credit card

Date commenced ????? See below

Approx bal £500

Last paid Feb 2018

Not on arrangement

Only March 2018 payment in arrears
Line
Account with lender

Jan 2018. CCA request

Feb 2018 Copy on-line application received

a bit of a puzzle here. My credit cards were obtained many years ago in the 80s and 90s. And to the best of my memory all applications were made by post and I have never made an on-
Line application I have no documents from earlier days but I don't think my memory is faulty
The copy application from MBNA shows a date of 2011.
I told niddy that this started years ago and he said it is UE. But if the correct date is 2011 then it is likely enforceable

Is it possible that the cc company are mistaken or even trying it on?


Might a SAR request throw some light on this or any other ideas?

Many thanks

April 15 2018 Just an update. Received confirmation that SAR request received Will report further when it is received

MAY 3 2018 SAR information received from two MBNA re closed accounts from years ago but nothing yet for this account. I will update as and when.

May 5 2018 SAR info received I had mistake as the card was taken out in 2011 so it looks to be enforceable Ah well such is life!

june 1 2018 I have paid nothing for three months and letters and texts are almost daily This one looks to be enforceable. I shall consider making payments or an offer in due course

UPDATE 23 October 2018
MBNA have terminated the agreement and they may sell it to an external company. This is enforceable so I will wait and see if a reduced offer is made before doing anything

UPDATE 28 Dec 2022

MBNA did indeed sell the debt on to PRAgroup in November 2018. They are offering two thirds discount but I shall not take this kind offer up!
The default notice was 1 August 2018 and quite a while to the six year point so I will see if any serious threats come along


UPDATE 3July 2023

The odd begging letter and fairly frequent begging texts from PRAgroup but nothing to worry about. Radio silence from me.
Hope it keeps like this to the six year point

UPDATE 6 Nov 2024

I had made a mistake with date of default and I have corrected this now.
It is more than 6 Years so this one is statute barred ???

[terryw]

Thanks. Brainstorm today

[Still Waving]

I take it you meant 2018 throughout your recent posts?

[terryw]

Bank of Scotland credit card

Started approx 1990

Bal £2000

Last paid March 2018

Not on arrangement

Account up to date

With lender

sec 78 request Feb 2018

reply returning £1 postal order saying no legal requirement for this

They are awaiting the documentation and will send this asap

i will update when a full reply is received

Apruil 19 2018 Nothing further I dont think they will find original agreement so Ive stopped paying and awaiting begging letters

May 2 2018 copy agreement received
I will send this to Niddy for checking and update

5 May 2018 Niddy confirms UE as terms do not agree with original agreement

June 1 UPDATE Other than requests for payment nothing further

UPDATE 23 October 2018

Default notice issued but Niddy feels that this is UE I have not made any payments since April 2018. Wait and see what happens next.

UPDATE 28 Dec 2022

Begging letters in time order from debt collectors.....wescot, moorcroft, Robinson way, credit security and finally bought by PRA. I have not replied to any of them in any shape of form as this is likely UE
In June 2023 my sixth year since default will begin. Roll on!

UPDATE 3 JULY 2023
Only begging letters and texts from the new owner and radio silence from me
Roll on June 2024 when six years from payment and default notice apply and this is what barred

UPDATE 4 October 2024

SIX YEARS ARE NOW UP and now STATUTE BARRED. No longer appears on CRAs

?
UPDATE 17 MARCH 2025

Informed owner of CONC7:15:8 and reply received closing account

.

[terryw]

Barclaycard ex Goldfish
Barclaycard number 1
commenced 1997

Bal £2500

Last paid march 2018

Not on arrangement

Status up to date

Account with lender

march 2018 sec 78 request

march 2018 copy of original agreement sent

sent to niddy for checking....will update

Niddy states UE

June 1 2018 UPDate No reply yet to SAR request. Will update when received

UPDATE 23 October 2018

Default notice issued but no follow-up. It looks to be UE so just wait and see what happens

??????12 March 2019. Sold to hoist

UPDATE 28 Dec 2022

Many letters - all ignored. Will just wait and see

UPDATE 10 MARCH 2023

????LOWELL are now debt owner

UPDATE 3 July 2023 Nothing to report other than begging letters from Lowell and radio silence from me
Roll on Sept 2024 when six years of non payment and default notice are up

UPDATE 27 Feb 2025 more than six years from default notice and no contact by me. Vanished from credit reference firms so now

[nightwatch]

My, you have received some good reply's, long may it continue. NW x

[terryw]

Nat West

Credit card

Commenced 1980s

Balance £4500

Date last paid march 2018

No arrears

Paying to lender

sec 78 request sent 8 Feb 2018

received response .agreement misfiled but they cofirm UE

April 2018 stopped paying awaiting begging letters!

June 1 2018. Limit reduced to amount owing and requests for payment or contact Nothing else

UPDATE 23 October 2018

Alleged debt passed to Wescot who are hinting at a reduced settlement offer. I have not paid or contacted them since March and as it is UE
I shall not be taking them up on this kind offer!


UPDATE 29 Sept 2022

Letter from Lowell who have bought the debt. I shall take no action to point out debt is UE as cca into has not been supplied

UPDATE 28 Dec 2022

Default notice was 24 May 2018. The debt collector chain is Wesott,Zinc,Moorcroft and now Lowell. As the debt is UE I have not answered
any phone calls, texts, emails or lettters.
Roll on May 2023 when the sixth year commences

UPDATE July3 2023
Nothing to report other than begging letters and texts from Lowell and complete radio silence from me

UPDATE March 25 2024

Letter from Lowell confirming they have reviewed the account and have now closed the account
What lovely news