Shineon UE Diary

[Shineon]

SHOP DIRECT
NCO RESOLVE


Mine
Balance: £330.00
Srart Dare: 24/04/1994
Last payment: DMP March 2018
Original Lender : Shop Direct - Littlewoods
Client: Lowell
Date Assigned : 30/10/2009


12/02/2018 CCA Sent
01/03/2018 no chq cashed, and not shown as recieved CCA , will leave for now and if contact later will send another CCA before going further
28/03/18 Letter from NCO saying got request, sent on to Lowell to liaise with Shop Direct, they say have only recieved blank CCA from Lowell and are awaiting statements.
27/04/2018 cancelled DMP
22/05/2018 letter from NCO enclosing blank CCA ( no names, no rates etc) with a statement showing opened 24/09/1994 , sold balance £430.08, default date 31/10/2009. Will file for future reference.
23/05/2018 Annual statement from lowell
16/06/2018 Letter from NCO RESOLVE saying they are appointed by Lowell and no longer on DMP and to set up payment plan
25/06/2018 Letter from NCO Resolve regarding sorting payments.
16/07/2018 NCO letter re concerns no payments made.
03/08/2018 Letter from Lowoll Pre legal assessment, whether to transfer a/c to their solicitors.
01/09/2018 Letter from Lowell saying this is going to Lowell soilicitors and all contact should go to them.
10/09/2018 Letter of claim - 30 days to prevent legal action from Lowell.
04/10/2018 Spoke to (a gentleman from joconnolly) as small amount £330 too small for no win no fee, but to look at small claims court genie if I was disputing the debt - which I am going to do as blank CCA and ask for letter of assignment on letter of claim reply.
08/10/2018 Letter of claim reply sent.
10/10/2018 Letter of claim recieved and signed for, copy track and trace printed and filed.
26/10/2018 Letter Lowells activity on ac suspended for meantime.
13/12/2018 letter saying client is compiling response
06/2019 case was closed .

[Shineon]

NEW DAY


Mine
Balance: £1309.05
Start Date:
Last payment: DMP March 2018
Original Lender


01/03/2018. CCA Sent
07/03/2018 CCA tracked and recieved, receipt printed
23/03/2018 cheque for £1 returned from LLOYDS banking group with Halifax header saying no valid a/c no. And cannot locate with details provided.
27/04/2018 cancelled DMP
21/04/21 cca sent . This is for aqua, on page 5 of diary.
23/04.21 cca received , and signed for.
21/05/21. Cabot letter re Cca request - unable to get cr agreement at present and state it’s unenforceable until they do.

[Shineon]

LLOYDS TSB


Mine
Balance: £245.00
Start Date: Late 90's (unsure)
Last payment: DMP March 2018
Original Lender: Lloyds TSB
DCA: PRA GROUP


12/02/2018 CCA Sent
20/02/18 Cheque for £1 returned from PRA GROUP stating unable to fulfill as need further checks to confirm my identity.
27/04/2018 cancelled DMP
13/07/2018 Letter from PRA to settle a/c
12/08/2018 Letter from PRA could you settle a/c.
15/10/2018 Letter from PRA could you settle a/c and 3 options .
10.02.19 PRA statement.

[Shineon]

BARCLAYCARD


Mine
Balance: £350.95
Start Date: 10/11/97
Last payment: DMP March 2018
Original Lender: Barclaycard
DCA: PRA GROUP


12/02/2018 CCA Sent
20/02/18 Cheque for £1 returned from PRA GROUP stating unable to fulfill as need to complete further security checks.
27/04/2018 cancelled DMP
13/07/2018 letter from PRA with settlement figures, filed for now, they have been ringing a lot but not confirmed my identity and told to send in writing.
29/07/2018 letter from PRA could you settle your account.
13/09/2018 Letter from PRA could you settle your account.
17/09/2018 4.12 pm PRA called. Said not in.
18/09/2018 4.10 pm PRA called. Said not in.
20/09/2018 4.10 pm PRA called. Said not in.
21/09/2018 4.17 pm PRA called. Said not in.
25/09/2018 4.11 pm PRA called. Said not in.
22/10/2018 letter PRA could you settle a/c
8.12.18 PRA letter , could you settle account.
18.01.19 PRA letter could you settle account.
16.02.19 PRA letter could you settle account.
03.04.19 PRA letter statement.
03/05/2019 PRA letter could you settle account
10/06/2019 PRA letter to set up payment
14/07/2019 PRA letter could you settle account.
29/10/2019 PRA letter could you settle your account.
01.12.2019 PRA Letter could you settle account .

[Shineon]

VODAFONE UK (phone contract)
PASTDUE CREDIT SOLUTIONS


Husband
Balance: £564.00
Start Date:
Last payment: DMP March 2018 voda says 12 May 2018 ( on letter dated 19/09/2019).
Original Lender; Vodafone uk
Account opened : 24/10/2002
Accound defaulted : they say around July 2016 ( on letter dated 19/09/2019)

12/02/2018 CCA Sent
20/02/2018 CCA chq cashed on bank statement
01/03/2018 no response, gone over 12 + 2 days
01/03/2018 letter recieved from pastdue, investigating with client, a/c on hold till they receive a response
27/04/2018 cancelled DMP
27/07/2018 Letter from Advantis saying they have been instructed by Vodafone to contact .
09/08/2018 without prejudice letter from Advantis offering £80 discount if balance paid in full
1503.19 letter Vodafone account has been assigned to Lowell with welcome letter from Lowell.
04.04.19 letter Lowell contact us to make payment.
17/04/2019 Lowell letter overdue account
03/05/2019 Lowell letter overdue account
15/0502019 Lowell pre legal assessment to see if go further
01/06/2019 Lowell saying looking into pre legal assessment
27/07/2019 letter from Lowell saying been sent to their solicitors.
03/08/2019 letter of claim from Lowell.
30/08/2019 letter of claim form completed and sent back to Lowell (disputing )
03/09/2019 letter of claim received and signed for by Lowell, dated 02/09/2019 , printed copy iof signed form for my file .
05/09/2019 filled in Vodafone sar request online.
12/09/2019 letter from Lowell solicitors a/c suspended while they source further info..
Lowell solicitors, saying as a telecommunications matter, not covered but CCA and original creditor does not need copy of agreement, therefore unable to supply default notice, they say it's a service agreement and a default notice would not have been issued, they sent some notice of assignments and are requesting statements and activity on account is suspended at the moment --
21/09/2019 letter from Lowell - saying when account opened, defaulted and last payment date, also 4 statements Jan, April, May and June 2016, and should contact to set up payment arrangement.- failure to contact may result in a claim being issued.
22/09/2019 SAR request sent recorded and was recieved signed for 24/09/2019, copy of track and trace printed.
27/09/2019 sar recieved in zip file form via email, re emailed asking to send in post as don't have software to open it.
02/09/2019 SAR letter recieved from Vodafone in form of CD.
21/10/2019 SAR recieved in paper form. ( from request done on 05/09/2019)
16/11/2019 Claim form arrived from County Court.
20.11.2019 notice of claim from Lowell.
03.12.2019 notice of pending CCJ
END OF NOV 2019, site down but spoke to Di and Jerry ( most kind and helpful ) so submitted defence on 29.11.2019 on moneyclaim gov. Defence recieved 02.12.2019 on website.
05.12.2019 Letter dated 2nd from courts acknowledging receipt of defence, saying Lowell have 28 days , after that the claim will be stayed.
23.12.2019 Letter from Lowell dated 17.12.2019 in response to my defence, please find enclosed copy of directions questionnaire which they agree to mediation, say our copy with cone from the courts in due course, we can either agree a date or contact Lowell to arrange payment , at present we will wait.
08.01.2020 letter from courts, notice of proposed allocation to the small claims track

[Shineon]

VANQUIS BANK

Husband
Balance: £1076.00
Start Date: 03/05/2015
Last payment: DMP March 2018
Original Lender: Vanquis Cr Card


21/03/2018 - CCA sent
28/03/2018 - CCA recieved will send for checking.
checked, and maybe UE not 100%
27/04/2018 cancelled DMP
28/05/2018 letter from Vanquis, advising no longer on DMP and interest and charges due to resume in 30 days
28/05/2018 letter from Vanquis, a/c over limit, can pay if an oversight ( nope )
26/06/2018 letter saying no payment recieved , please call
05/06/2018 monthly statement from vanquis
06/06/2018. A/c remains overdue letter from vanquis
29/06/2918 a/c overdue letter
19/07/2018 pending notice of default letter.
28/07/2018 monthly overdue statement
08/08/2018 Notice of Default letter
22/08/2018 Please contact letter from Vanquis
28/08/2018 Monthly Statement
01/11/2018 Monthly Statement
27.11.18 monthly statement.
02/08/2019 letter rob way - what can you afford to pay
15/08/2019 letter from Rob Way , we are authorised to negotiate payment plan.
31/08/19 statement from vanquis.
31/08/2919 letter rob way to arrange a payment plan.
23/09/2019 letter rob way - reduced settlement offer.
10/10/2019 letter from rob way to sort payment.
29.08.20 vanquis statement
19.10.20 letter Lowell , bought account, NOA letter enclosed from vanquis.
04.11.20 letter Lowell, payment due
18.11.20 letter Lowell, overdue account
30.11.20 letter Lowell, overdue account
18.12.20 letter Lowell, pre legal assessment
03.01.21 letter Lowell, pre legal assessment, 20% discount.
19.01.21 letter Lowell, pre legal assessment, we may instruct solicitor, still offering 20% discount.
23.02.21 letter from Lucas , ac overdue, Lowell portfolio 1 have instructed them, contact in 10 days or will refer to their sols to commence legal action. Also letter enclosed saying Overdales legal Ltd have changed name to Lucas cr services. Also enclosed letter headed Lowell saying sent to Lucas and to contact them.
15.04.21 Overdales sols letter of claim
dated 13.04.21, 30 days to reply.
15/10/2021, Claim form dated 12/10/2021 , from CCBC , For lowell.
22/04/21 cca sent to Lowell.
22/04/21 SAR sent to Vanquis.
28/04/21 Letter of claim sent signed for post to overdales.
30/04/21 letter of claim signed for received by overdales today.
06/05/21 £1.00 cheque cashed though bank account,
06/05/21 letter Vanquis re SAR, they will respond but need D.O.B, so will get this sent off.
11/05/21 letter Overdales, confirming what they know, date opened and last payment, they are seeking asked docs from original creditor, and to note No further action until response has been received.
20/05/21 Sar received digitally from Vanquis.
08/08/21 letter dated 26/07/21 ( been away so not been home for Mail) overdales letter of claim.
19/08/2021 LOC sent to overdales, box I ticked.
27/08/2021 letter dated 24.08.2021 from overdales in response to pre action protocol form, to contact and no further action for 30 days.
14/10/2021 claim form.
19/10/2021 Overdales LOC.
JC won my claim.

[Shineon]

VANQUIS BANK


Mine
Balance: £2508.05
Start Date: 19/05/2012
Last payment: DMP March 2018
Original Lender: Vanquis Cr Card
.
21/03/2018 - CCA sent
28/03/2018 CCA recieved back, will send for checking.
checked EN, most prob.
27/04/2018 cancelled DMP
12/05/2018 monthly statement recieved.
28/05/2018 letter from Vanquis, advising no longer on DMP and interest and charges due to resume in 30 days .
13/07/2018 Letter from vanquis saying payment overdue
19/07/2018 letter vanquis to sort payment, balance higher now so must be charging interest .
03/08/2018 Vanquis letter pending notice of default.
10/08/2018 Monthly statement
16/08/2018 Notice of Default received.
10/09/2018 Letter saying new case manager, to sort plan.
11/09/2018 Monthly statement.
24/09/2018 Letter from case manager offering discount to sort payment and keep a/c open.
12/10/2018 Monthly statement.
10.12.18 monthly statement.
15/12/2018 Refund letter for overcharging interest, saying cr card with £2.07
03/08/2019 letter Moorcroft- your details have been passed to us by vanquis bank ltd and to sort payment plan
12/08/2019 letter Moorcroft - important info, possible further action.
30/08/2019 letter Moorcroft - monthly instalment offer.
09/09/2019 letter Moorcroft- no contact made, contact us.
14/09/2019 vanquis monthly statement, important info bit says been passed to Moorcroft and to deal with them directly.
23/09/2019 Moorcroft letter saying this has been sent to their home collections division.
19.12.2019 moorcroft letter offer discount, last chance before further action being recommended.
29.08.20 Statement from vanquis
18.10.20 letter Lowell,bought account, with NOA enclosed from vanquis.
01.11.20 letter Lowell to sort payment.
18.11.20 letter Lowell to sort overdue account.
30.11.20 letter Lowell,accessing account for legal action.
18.12.20 letter lowell, pre legal assessment.
04.01.21 letter Lowell, pre legal assessment, 20% discount.
18.01.21 letter Lowell, we may instruct solicitors, 20% discount still available.
05.03.21 letter resolvecall, saying Vanquis passed on my account, offer 40 per cent, also enclosed Lowell letter saying they passed on to resolve all.
02/02/2022 Lowell benefits of debt free.
04/04/2022 Lowell, we help people like you.
05/95/2022 Lowell, avoid legal action
30/05/2022 Lowell , it takes two,, get in touch.
08/06/2022 Lowell 50% reduction.
16/06/2022 Lowell, get in touch.
30/06/2022 Lowell, we understand.
13/07/2022 Lowell, not heard from you.
03/08/2022 Lowell, considering further action.
08/08/2022 Lowell avoid further action.
22/09/2022 Lowell 50% reduction.
27/10/2022 Lowell 50% reduction.

[Shineon]

WESTCOT


Joint
Balance: £10,219.00
Start Date: 27/05/2008
Last payment: DMP March 2018
Original Lender: Think AA loan but shows lloyds bank on link paperwork 31/10/2018
CCA checked 19.10.2019 EN


01/03/2018. CCA Sent
09/03/2018 CCA letter and £1 cheque returned saying chq needs to be payable to link financial.
21/03/2018 CCA sent to Link Financial
27/04/2018 cancelled DMP
13/07/2018 Letter from westcot to contact to sort payments as dmp stopped - filed and ignored for now.
20/10/2018 Letter from link financial - notification of account transfer, says owed to asset link capital (no5) limited, issuer lloyds bank Plc.

02/11/2018 letter from Link Finacial Outsourcing for a asset link capital (no5) ltd, statement, shows £1.00 debit and credit for cheque for CCA.
02/11/2018 letter from link, saying agreement date 29/06/2017 and date of first movement 27/05/2008 and saying original originator lloyds bank ( this was an AA loan)
01/02/2019 letter from link, we tried to contact you.
19/03/2019 letters from link, we have had to validate your address.
03/04/2019 letter from link , we need you to validate address.
03/05/2019 letter from link says originator lloyds bank, statement 02
03/08/2019 letter from Link , we have been unable to contact.
05/19/2019 letter from link, saying account now enforceable as now sent CCA documents ( which are very dark and near on unreadable) will forward for checking. Also second letter enclosed from link say balance and that the account is terminated and the current balance is due and payable immediately.
19/10/2019 CCA checked by Niddy and ENForceable.
10/11/2019 Link letter statement of account, shows it was originally AA personal finance and first movement 27/05/2008 and agreement date ( presume this is when link took over ) 28/06/2017 as this show the be statement number 2 and cover a year.
02.12.2019 statement 3 showing notice of sum in arrears.
11.12.2019 Letter from asset link capital saying the AA assigned on 28.06.2017 to ALC5 and ALC5 have appointed link to control and westcot to collect, it says just keep for records.
05.03.20 link letter to contact re payment.
02.05.20 link, notice of sum in arrears.
30.10.20 Link notice of arrears letter.
30.10.20 Link statement.
21/05/21 link statement (06)
27/10/21 link statement (07)
15/12/21 link letter, saying ac sold asset link cap (no5) ltd on 28/06/2017 , and to sort arrangement.
27/04/2022 link statement to Mr .

[Shineon]

Thankyou, feel better now all noted down, am new to posting and forms, so hope it's ok, off to work,

[MisterK]

Relax Shineon, you're in safe hands here.

You should preferably put the original lender (eg credit card company name) at the very top of each segment, although I believe it's useful to mention the current owner at the bottom of the header. Also the originating date (or at least the year) is very important, although not absolutely essential at this stage. This gives a more instant handle into the situation with each one. You'll also obviously need to add a summary in date order of what's happened underneath each header, but I'm sure I'm stating the obvious there. If you are having difficulty linking the DCA with the original lender and have lost all the paperwork there will be ways to find out who the original lenders are, most obviously by asking the DMP company.

Good luck, you've got an excellent team to help out with this.

[The Tech Clerk]

Note:- WESCOT are only commission agents they do not own this alledged debt, only try and collect on behalf of an owner (Who is?)

[nightwatch]

Welcome Shineon,
when I started this journey many many years ago, we, Hubby and I, owed well over £100k, we were spending all our wages paying what we owed and one day a light came on, I had been working for a debt management company (which charged a fee) wasn't going that route. so I wrote to all of the company's and offered a small payment, some were ok some were downright s%@!y and passed it to debt collectors straight away. I contacted a free debt help company and received paperwork from them but managed our own DMP, we were slowly paying things off, one day out of the blue a DCA phoned, when I said they were to contact me in writing they went off at the deepend.

screaming down the phone at me,

Telling me I was stupid to get into debt, threatening to put all the family out on the street, when she stopped for breath I thanked her for her call and asked to speak to her line manager, she hung up,

Why am I telling you this,?

That was the day I decided to look for help with the hope of never paying that company a penny ever again.
I found AAD and a place that doesn't judge, A place that shows there is a light at the end of the tunnel, A place that has people who have been in the place you are now.
it is also a place that no matter how daft you think a question is, it will be answered, not always straight away, we are all volunteers and have a life aswell,

please look around the site and have a look at some of the Diary's so you can see what others have done , if you read mine you may need to make yourself a drink and a sandwich, it's more like a novel,

good luck on your journey. NW

[Shineon]

Welcome Shineon,
when I started this journey many many years ago, we, Hubby and I, owed well over £100k, we were spending all our wages paying what we owed and one day a light came on, I had been working for a debt management company (which charged a fee) wasn't going that route. so I wrote to all of the company's and offered a small payment, some were ok some were downright s%@!y and passed it to debt collectors straight away. I contacted a free debt help company and received paperwork from them but managed our own DMP, we were slowly paying things off, one day out of the blue a DCA phoned, when I said they were to contact me in writing they went off at the deepend.

screaming down the phone at me,

Telling me I was stupid to get into debt, threatening to put all the family out on the street, when she stopped for breath I thanked her for her call and asked to speak to her line manager, she hung up,

Why am I telling you this,?

That was the day I decided to look for help with the hope of never paying that company a penny ever again.
I found AAD and a place that doesn't judge, A place that shows there is a light at the end of the tunnel, A place that has people who have been in the place you are now.
it is also a place that no matter how daft you think a question is, it will be answered, not always straight away, we are all volunteers and have a life aswell,

please look around the site and have a look at some of the Diary's so you can see what others have done , if you read mine you may need to make yourself a drink and a sandwich, it's more like a novel,

good luck on your journey. NW

Thankyou, puts that lump in ya throat , reading and knowing others have felt the same burden ,, thanks, preparing for the journey ahead. Yes hope this is the start me and will have a read.

[Shineon]

Note:- WESCOT are only commission agents they do not own this alledged debt, only try and collect on behalf of an owner (Who is?)

Ok, thanks, is it westcot I send the CCA letter too, which I am sending in next few days.

[Shineon]

Relax Shineon, you're in safe hands here.

You should preferably put the original lender (eg credit card company name) at the very top of each segment, although I believe it's useful to mention the current owner at the bottom of the header. Also the originating date (or at least the year) is very important, although not absolutely essential at this stage. This gives a more instant handle into the situation with each one. You'll also obviously need to add a summary in date order of what's happened underneath each header, but I'm sure I'm stating the obvious there. If you are having difficulty linking the DCA with the original lender and have lost all the paperwork there will be ways to find out who the original lenders are, most obviously by asking the DMP company.

Good luck, you've got an excellent team to help out with this.

Ok, thanks for explaing a bit more for me, once I send all CCA requests, will that show who Origanal lender was and dates etc, so then I can amend all the details when I get new info, again because we had or just survived on min money, when I got letters it was not knowing where to turn, so not got much info on dates either, so sorry . Ooh and only working on iPad at moment, is there a way to change my colours like others do. ( sorry if that's a silly one to ask but never needed to change colour before) . Thanks again.
ooh and not ever gonna bin any papers now, and get a filing system going for each one also.