Uneforcable diary of a wimpy kid

[Weakmoments]

Lloyds Bank
taken out 12/09/08
Loan
Approx balance £1550.00
Last paid full payment January 2013
Arrangement currently paying £20.08/month
Account with Wescot
Defaulted 16/05/2013
CCA refuest received
I have had this checked by Niddy and it is Enforceable

Assigned to LC Asset S.a.r.l effective 28/06/2019
no longer showing on credit file

[Weakmoments]

Lloyds Bank
taken out 23/02/07
Credit Card
Approx balance £2545.00
Last paid full payment January 2013
Arrangement currently paying £8.21/month £0.00
Account assigned to Idem Capital Securities Ltd 24/11/16
Account with Idem servicing
Defaulted 28/05/13
CCA request received
I have had this checked by Niddy and is Unenforceable

No longer showing on credit file

[Weakmoments]

Egg Banking Plc
Taken out 04/08/09
Bank Loan
Approx balance £2482.00
Last paid in full payment January 2013
Arrangement currently paying £23.82 0.00
Egg sold to Britannica Recoveries SARL-Moorgate July 2011 Sold to Idem Capital Securities Ltd August 2014
Account with Idem Servicing
Defaulted NO
CCA request received
I have had this checked by Niddy and is Unenforceable

Stopped making payments to this 03/07/2019

[Weakmoments]

Egg Banking Plc
Taken out aprox 2002
Credit card
Aprox Balance £3306.00
Last paid full payment January 2013
Arrangement currently paying £0.00
Egg Sold to Barclays transferred to PRA 17/08/15
Account with PRA
Default 27/06/2014
CCA request received
I have had this checked by Niddy and is unenforceable confirmed by PRA (letter to be kept safe)

No longer showing on credit file
Letter before claim received 07/12/20 currently speaking to Di regarding this.

[Weakmoments]

Egg banking
Taken out ???
Credit card
Aprox balance £9256.00
Last paid full payment January 2013
Arrangement currently paying £0.00
Egg sold to Barclays 2008 Transferred to PRA 17/08/15
Account withPRA
Default 29/08/14
CCA request received
I have had this checked by Niddy and is unenforceable confirmed by PRA (letter to be kept safe)

no longer showing on credit file
nothing to report

[Weakmoments]

Halifax
Taken out 13/10/2005
Credit card
Aprox balance £9547.50
Last paid full payment January 2013
Arrangement currently paying /month £105.70
Account with Moorcroft
Default 17/01/14
CCA request received
I have had this checked by Niddy and is enforceable.

no longer showing on credit file
Notice of assignment to Intrum UK Finance Ltd effective 28/06/2019 but to still pay Moorcroft

[Joanna Connolly Solicitors]

Posts # 4 and # 5 should make you feel happy especially since you say PRA admit in writing that the accounts are both unenforceable

The Lloyd’s loan and the Halifax credit card may have credit agreements which are enforceable but that doesn’t necessarily mean that they’ve done everything else correctly to be able to win in court.

Have you been sent a Notice of Sums in Arrears (s 86) every six months since 2013 when the accounts were defaulted?

At the moment both of those debts are still with the original creditors but things may change if the accounts are assigned (i.e. sold) to a debt purchaser.

Did you have PPI on any of these accounts?

Di

[Weakmoments]

Thanks for your response Diana. I think I had PPI on the Halifax one but am not sure.
I never really knew to keep an eye on things before.I felt so guilty about not being able to pay and was just happy to have come to an arrangement. But since I’ve been reading up about debts I feel more optimistic.
Do you think I should send a SAR request to them both? TIA

[Joanna Connolly Solicitors]

Thanks for your response Diana. I think I had PPI on the Halifax one but am not sure.
I never really knew to keep an eye on things before.I felt so guilty about not being able to pay and was just happy to have come to an arrangement. But since I’ve been reading up about debts I feel more optimistic.
Do you think I should send a SAR request to them both? TIA

I see no harm in you sending a SAR to both Lloyds and Halifax. Knowledge is power after all

That way you'll get to see everything they have on file which could be useful especially if PPI was involved at any stage (Halifax?).

As I previously said a couple of the credit agreements may have been deemed enforceable but the creditors might not have got everything else right to enable them to enforce the debt in court. You're at the research stage at the moment.

I'm glad you're feeling more optimistic, and I certainly wouldn't feel guilty about having debts. Nobody wakes up one day and says "I think I'll get into debt today" - it just happens due to outside influences (job loss, health issues, breakdown of relationship etc).

Keep your chin up!

Di

[Weakmoments]

Thank you Di for your kind words and support.

[Weakmoments]

Today I received a letter from PRA stating has been passed to the investigations and litigation department giving me notice of PRA group to start court proceedings this is for the 3306.00 taken out 2002. What do I do now?

[Joanna Connolly Solicitors]

Today I received a letter from PRA stating has been passed to the investigations and litigation department giving me notice of PRA group to start court proceedings this is for the 3306.00 taken out 2002. What do I do now?

Hello

Which debt is this?

In your posts #4 and #5 you said PRA admitted the debts were unenforceable in 2018.

From what you say it might be the Egg card in post #4 where Niddy deemed the credit agreement unenforceable at the time.

What has happened since then (or is this a different debt)?

Di

[Weakmoments]

No it’s the same debt I have just ignored them and this letter just came today.

[Joanna Connolly Solicitors]

No it’s the same debt I have just ignored them and this letter just came today.

Have PRA sent you any new documents since 2018?

When did you last make any payment towards this debt?

Di

[Weakmoments]

No new documents I haven’t made any further payments to them. Just received letter stating letter before claims. Stating original debt 3531.38 no interest. Entered credit agreement on or around 21 March 2002. The creditor has served a notice of default.