Shotley's UE Journey

[Shotley]

Well, they emailed to say that I could log in to my 'account', (despite not having one anymore), and that my SAR documentation was available to download there.

When I pointed out that I neither had access to that account and that I wanted my details and documents sending to me I got no further response.

The issue is that CashEuroNet LLC isn't a UK company. It has a UK registered office address but the 'business' is in Delaware, USA. They don't want to send SAR packages internationally.

[Roger]

Well, they emailed to say that I could log in to my 'account', (despite not having one anymore), and that my SAR documentation was available to download there.

When I pointed out that I neither had access to that account and that I wanted my details and documents sending to me I got no further response.

The issue is that CashEuroNet LLC isn't a UK company. It has a UK registered office address but the 'business' is in Delaware, USA. They don't want to send SAR packages internationally.

Keep that email very very safe!!
Pity you responded because this was a mistake!
Assignments are complicated, QQ have completed a SAR and are saying you can still use your account with them! Well that raises questions over MMF/Lanten Ownership of the Account.

[Shotley]

To be honest, I think the 'email' that I replied to was automated. Highly unlikely anyone actually received it. I certainly don't have a response.

I thought it strange too that a terminated account still had online access to their service?

I've discovered a LOT of iffy/dodgy things about that company...

[Roger]

To be honest, I think the 'email' that I replied to was automated. Highly unlikely anyone actually received it. I certainly don't have a response.

I thought it strange too that a terminated account still had online access to their service?

I've discovered a LOT of iffy/dodgy things about that company...

You are covered in Law by GDPR and SAR. There email response was to your SAR . They say that you can still use the account so who are you to argue with that!
You requested documents on the LBC and we will see what comes back.

[Warwick65]

Remember CashEuronet are registered with both the FCA and the ICO.. It seems they are a British registered version of a US company. Probably more legit than when they entered the market. Failure to comply with regulatory requests should leave them open to action from the regulator.

[Shotley]

Unsurprisingly, the affordability complaint I raised with CashEuroNet has been rejected. Flat rejection - apparently I didn't take enough loans out with them. Only took them 14 days to process it. Totally ignoring the fact that I had to take a loan out with another of their companies to cover the payment on the previous one.

They also flat deny I ever spoke to them about being unable to pay. How do I prove that now 5 years after the fact.

[Warwick65]

So now escalate it to the FOS

many of these companies try it on and reject affordability complaints out of hand or so it seems.

[Shotley]

• Type of account - PayDay Loan - QuickQuid
• Date commenced (ideally before Apr 2007) - Jan 2013
• Approx balance - £380
• Date last paid (approximate date you last made a FULL payment) - April 2013
• Are you on arrangement or not paying - Not Paying
• Status (default/in arrears/up-to-date) - Defaulted
• Account owner (who is writing to you, a DCA or the lender) - MMF/Lantern

RECEIVED - June 2017 Letter from Moriarty Law on behalf of MMF/Lantern Letter Before Claim

SENT - SAR Request 22/6/2018 to QQ/P2P via email

RECEIVED - Response to SAR Electronically

SENT - CCA Request 25/6/2018 with statutory £1 fee marked for CCA to MMF/Lantern

RECEIVED: Response to CCA request, details of which do not match corresponding records in my possession.

RECEIVED: Letter from Moriarty Law titled 'FINAL DEMAND BEFORE PROCEEDINGS' giving me 16 days to come to an amicable resolutions.

SENT - Copy of CCA to Niddy who has deemed it enforceable

SENT - 13/07/2018 Copy of P/T's letter to Lantern/MMF.

SENT - 13/07/2018 Response to LBC stating non-compliance with P/T's as per advice and advising an affordability claim has been made.

RECEIVED: Letter from Lantern - response to the P/T's letter containing the same agreement originally sent to me 3 weeks previous. Also advising that Moriarty Law are handling the account now.

RECEIVED: Letter from Moriarty in response to the LBC reply I sent. They advise the matter has been referred back to Lantern and collection activity will be suspended for now.

RECEIVED: Letter from Moriarty Law - please find enclosed the relevant documentation supplied by our client for your information. It contains a statement of account, a copy of the exact same CC they sent first time around, and a copy of the welcome letter from Motormile/Lantern. Giving me 30 days to respond.

So Moroniaty Law have been back in touch.

They've supplied nothing new. A copy of the same Credit Agreement, (complete with fatal flaw that I await confirmation on), as well as a statement of account and the copy of a welcome letter from MM/Lantern. I asked for the default notice in the LBA form, no sign of it. And they won't give me one because they don't do default notices from what I've read.

They do however state that they have confirmed the details of the bank account that the money was deposited to! Well, that's me told!

I'm wondering if I should simply send the missing P/T's letter again.

[Shotley]

Good Morning All

No further letters from Moriarty Law despite now being 38 days into my 30 day deadline to respond. Still not received the documents I've asked for in the LBC which were the default notice and notice of assignment but I did get a text message off them this morning asking me to call.

Still dreading a claim form coming in but not sure if they can start proceedings if they haven't complied by providing the documentation I've requested.

Nothing else from Intrum either and that's well over the deadline, am hoping they're thinking that I'll put up a fight and it's just not worth their while..

Anyway, thought I'd give an update. Hope you are all well!

[Still Waving]

Hi

I would definitely NOT call them. If they have anything to say to you let them put it in writing.

[Shotley]

Haha. No. I wouldn't waste my free phone calls speaking to that shower

[Warwick65]

It is not MMF who would send a s87(1) DN, that would have been QQ. Have I asked this before but was it a fixed term loan or revolving credit, the cca should tell you.

There was talk back then that no DNs were needed for short term loans. Maybe that's a question for @Diana mayhew


I'm afraid they can issue a claim without coming and sending documents but hopefully they won't . In addition if they do, the lack of documents would be part of your defence.

If it was something really basic such as no agreement, should you win you might have a shot at getting some costs as well for unreasonable conduct.

[Shotley]

Hello All,

Having been getting some good advice in AAD+ I had a fantastic conversation with Diana Mayhew who gave me some wonderful advice and made me feel a million times better about my predicament. I've been encouraged to start my own diary listing my debts and the people chasing me and I hope anything in my story will help others too. I will start with the one I have mentioned in AAD+

• Type of account (credit card/loan) - Credit Card (Aqua)
• Date commenced (ideally before Apr 2007) - Jan 2013
• Approx balance - £2000
• Date last paid (approximate date you last made a FULL payment) - 10th April 2013
• Are you on arrangement or not paying - Not Paying
• Status (default/in arrears/up-to-date) - Defaulted
• Account owner (who is writing to you, a DCA or the lender) - 1st Credit (now Intrum)

RECEIVED - Dec 2017 (though could be earlier) - letter from 1st Credit claiming to now own the account and they wanted the balance paying or come to an agreement with them to repay (unfortunately I can't find this letter, though this is around the time it was sent)


RECEIVED - Letter dated 1/2/2018 from 1st Credit stating a discount was available.


RECEIVED - Letter dated 21/02/2018 from 1st Credit stating the account would be passed to their legal department if I didn't call them


RECEIVED - Letter dated 05/03/2018 from Intrum stating the account had been passed to their legal department.


SENT - CCA Request 8/3/2018 with statutory £1 fee marked for CCA


SENT - SAR to Aqua 8/3/2018 with £10 fee for request


RECEIVED - Letter dated 12/03/2018 from Intrum acknowledging the CCA request and informing me that they could not provide details at this time, no further action to be taken while they await response from the OC (Aqua)


RECEIVED - Response to SAR request from aqua 23/3/2018


RECEIVED - Further SAR data from aqua 27/3/2018 including archived memos.


RECEIVED - CCA Response from Intrum 17/05/2018 enclosing copy of agreement and statements from March 2013 to November 2013 - giving me 30 days to respond. No copy of the default notice.


SENT - Copy of CCA to Niddy. Said it looked good but could still be UE

RECEIVED - Letter from Intrum 20/06/2018 (Dated 17th June) - complaining that I've not been in touch since CCA request, giving me 10 days from date of letter or they may instruct solicitors to commence proceedings.

RECEIVED - 22nd September 2018 - Recorded delivery. Letter of claim from Lester Aldridge Solicitors, acting on behalf of Intrum, (formerly 1st Credit Finance Limited), following assignment from Progressive Credit Limited.

So out of the blue I received a letter, via recorded delivery, from Lester Aldridge solicitors acting on behalf of "Intrum UK Finance Limited (formerly 1st Credit (Finance) Limited". This is an official Letter Before Claim. I obviously have my 30 days to respond, personally didn't expect to hear anything after their last round of bluster back in June that they never followed up on in the time limits they set.

I'm guessing return the form ticking box D asking for relevant documentation but not sure how much documentation is needed.

One thing I do note from the letter is that they admit that this was 1st Credit (Finance) Limited who, as I understand, had no business purchasing debts since they were unlicensed. Not to mention the fact that my SAR from Aqua makes no mention of even selling the debt..

Any advice on how to proceed would be greatly appreciated.

[nightwatch]

So out of the blue I received a letter, via recorded delivery, from Lester Aldridge solicitors acting on behalf of "Intrum UK Finance Limited (formerly 1st Credit (Finance) Limited". This is an official Letter Before Claim. I obviously have my 30 days to respond, personally didn't expect to hear anything after their last round of bluster back in June that they never followed up on in the time limits they set.

I'm guessing return the form ticking box D asking for relevant documentation but not sure how much documentation is needed.

One thing I do note from the letter is that they admit that this was 1st Credit (Finance) Limited who, as I understand, had no business purchasing debts since they were unlicensed. Not to mention the fact that my SAR from Aqua makes no mention of even selling the debt..

Any advice on how to proceed would be greatly appreciated.

You should ask Di ( Diana Mayhew) to pop in and have a look at this every one is different so she may be able to point you in the right direction,

I'll let her know you may need her

[The Tech Clerk]

Diana Mayhew