Unenforceable debt advice

[Bluemonday3]

This is my diary to date, please forgive me there will be some gaps as I don't have all the information to hand but I will try to fill these in later.

Birmingham Midshire Home loan started 2007, to date I have paid £10,510 and I am paying this back outside of my DMP as is linked to my mortgage.
I have a CCJ issued re this on 3.3.10 and a charging order obtained.

City Financial credit card started approx 2006,
Balance at DMP start Sept 2009 £6953.72.
Passed onto to Cabot but is managed by Clarity ? approx 2010
Outstanding balance £718.40
CCA requested 10/12/17

Royal Bank of Scotland Mint Credit Card started approx 2004
Balance at DMP start Sept 2009 £3626.55
Managed by Wescot (unsure when) £416.89 outstanding.
CCA requested 10/12/17

Bank of Scotland Credit card started approx 1999 .
Balance at DMP start date Sept 2009 1490.99
Managed by Lloyds £869.92 outstanding.
CCA requested 10/12/17

Lloyds TSB credit card started approx 2006
Balance at DMP start date Sept 2009 £1703.27
Defaulted 29/5/2012
Managed by Wescot £235.93 outstanding
CCA requested 10/12/2017

Egg Credit Card started 25/11/2004
Balance at DMP start Sept 2009 £1485.26
Managed by Cabot £201.10 outstanding.
CCA requested 10/12/2017
Received a copy and statements 19/12/2017

Creation Financial store card/loan started 29/08/2006
Balance at DMP start Sept 2009 £3036.86
Balance £0 5/5/2017
These were particularly evil to deal with and had to complain to FOS re interest added, complaint upheld.

Newday store cards taken out Oct 2009
Balance at DMP start Sept 2006 £180
Balance £0 15/1/2013

Lloyds Overdraft started 20/2/1996
Balance at DMP start date Sept 2009 £3052.79
Default date 06/2/2013
Balance £0 31/12/17

Lloyds and Creation have been very difficult to deal with 7 I am awaiting a default to drop off from Lloyds this year

[nightwatch]

Thank you for listing your debts. When you receive replays to you CCA requests get Never in Doubt to check them out. Only he sees them so do not blank anything out.
May I ask that you start a separate post when you receive replys. giving the information for the account in question ( as above) and the correspondence received. For example.

Lloyds CC started 2006
Defaulted 29/05/2012
managed by Wescott
Balance owing £235.93



10/12/17 CCA request sent
Xx/xx/xx. CCA received sent to Niddy


then when Niddy replies with UE edit the post to say so hit quote and just put update or if you have a question ask away.

this helps you and us keep track of what and when is going on.

please feel free to look at some of.the diary to get a gist of what I mean

look forward to helping you in the direction you choose to take NW x

[Bluemonday3]

Thanks for your reply, I will separate the diary as suggested, sorry it’s a bit all over the place!
some info is in the bowels of my house so I posted what I knew !
thanks again for your reply .

[nightwatch]

Bluemonday, please do not apologise we all had to start at the beginning, we all learn as we go along,

when you receive reply's can I suggest you date them when received and keep the envelope with the letter, paper trail.

please ask any questions you have and one of us will reply , if you don't understand what we have suggested . or why don't hesitate to ask for an explanation,
NW