Florida Jens diary

[Floridajen]

Debt 2

• Type of account (credit card/loan) Overdraft Barclays
• Date commenced (ideally before Apr 2007) accounts opened 20+ years ago
• Approx balance. 1500
• Date last paid (approximate date you last made a FULL payment) ??
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. Barclays collections

2014
June letter from BARCLAYS received stating payment received via Stepchange
October letter from BARCLAYS Received stating payment received and accepted from Stepchange

2015
Letter received asking for 12 monthly review
Letter received accepting payments from Stepchange
letter received accepting new payments ( 90p more)

2016
Letter received thanking me for letting them know Stepchange are dealing with payments!
Letter accepting payments from Stepchange

2017
letter asking for 12 month review
letter accepting payment from Stepchange (£5 less)


2018
letter accepting new payment (80p more)
I sent a CCA not realising you cannot for overdrafts.
Letter sent by me offering F&F of £150.00
letter received stating not prepared to accept offer. Will reconsider if I can increase or provide further evidence of situation.
I sent letter offering £175.00 as a F&F
letter received stating again not prepared to accept etc... as before


What should I do next folks? Thanks

Hi had a letter today saying this account been passed to a DCA do I just wait for them to write to me? Thanks

[Roger]

Any advice would be gratefully received

They can always ask!
To reply to this restarts your Statute Bar clock!
Asking isn't threatening. I should file this away.

[Floridajen]

Received another letter of payment offer. Should I write back and offer a monthly figure as Niddy thinks this is enforceable? Thanks for any advice

Any advice would be gratefully received

[Floridajen]

Debt 3

• Type of account (credit card/loan) Barclayloan Plus
• Date commenced (ideally before Apr 2007) 20th October 2011
• Approx balance. £3000
• Date last paid (approximate date you last made a FULL payment) 2013
• Are you on arrangement or not paying. Was paying Stepchange till 2018
• Status (default/in arrears/up-to-date) Default
• Account owner (who is writing to you, a DCA or the lender. DCA. PRA Group

2013
letter received from Barclays advising I had cancelled the DD
letter received advising missed a payment
Letter received Notice of Default section 87 (1)
letter received advising receipt of payment proposal


2014
letter received Arrears Notice
letter received Arrears Notice
statement received
letter received stating receipt of offer of payment
letter received Arrears Notice

2015
letter received Arrears Notice
letter from Barclays Arrears Notice
letter received from Barclays 12 month review
letter received advising they are in receipt of payment from Stepchange


2016
Arrears Notice received
Arrears Notice received
letter received from Barclays thanking us for providing details of Stepchange
letter received from Barclays advising offer of payment received
received from Barclays advising transfer to PRA Group
statement received from Barclays
letter received from Barclays saying transfer now complete
letter received from PRA Group saying they purchased debt
letter received from PRA Group section 86B
letter received from PRA Group statement of account

2017
letter received from PRA Group statement of account

2018
I sent a CCA request with £1 postal order
letter received back from PRA Group returning PO and account on hold
letter received from PRA enclosing copy documents as requested.
(sent all to Niddy who thinks enforceable)
????

Next steps please ? Thanks


Letter received 4th September along with numerous phone calls to which we have not answered....

Letter asks if we can settle account and giving three option
pay a discount price (couple hundred off)
three monthly instalments
six monthly instalments

please call us to arrange .......

what should we do please??
would ideally like the calls to stop

Received another letter of payment offer. Should I write back and offer a monthly figure as Niddy thinks this is enforceable? Thanks for any advice

[Floridajen]

Which debt is this for?

Di

Hi Di, this is for debt 1
thanks

[Joanna Connolly Solicitors]

Letter received says it is a summary but also giving me a f&f figure about £800 off outstanding figure. Do I just file away? Thanks

Which debt is this for?

Di

[Warwick65]

If you are not intending on making offers then yes, in my opinion, just file

[Floridajen]

UPDATE

Letter received says it is a summary but also giving me a f&f figure about £800 off outstanding figure. Do I just file away? Thanks

[Warwick65]

Yes

Just say I will only communicate in writing. I assume they have your address

[Floridajen]

Completely agree with Warwick.
BT have a free Call Barr facility!
You can switch this on yourself. You can also enter Phone Numbers (don't have to wait for them to phone you).
It also means you have a record of the time and date of their CALLS.

Its really important to keep a list of the time and date of their Calls!
Harrassment is unlawful!

We are not with BT we are with Virgin. Should I answer and just tell them to write to me but not confirm anything?

[Roger]

If you have a BT line you can block numbers, it's part of their 'free' security package. If not have you actually told them you will only communicate in writing as I suggested 4 weeks ago

Completely agree with Warwick.
BT have a free Call Barr facility!
You can switch this on yourself. You can also enter Phone Numbers (don't have to wait for them to phone you).
It also means you have a record of the time and date of their CALLS.

Its really important to keep a list of the time and date of their Calls!
Harrassment is unlawful!

[Warwick65]

If you have a BT line you can block numbers, it's part of their 'free' security package. If not have you actually told them you will only communicate in writing as I suggested 4 weeks ago

[The Tech Clerk]

get BT call minder not expensive

[Floridajen]

Another option is to send 1 letter and list all the account numbers saying you wish to communicate only in writing. The downside to this is that they might join the dots , particularly if the names of the accounts aren't all in the same name e.g Jen, Jennie, Jennifer - you get my point. Recently a high st bank did not connect me with my sunday name and my shortened name even though the address and DOB were the same.

It is entirely up to you and how you can deal with them, are they very stressful ? If so send the letters earlier to save your sanity

PRA still calling daily to both mobiles and landline (dont know how they got numbers) stepchange?? We have resorted to switching off landline but really need it on as my elderly mother also rings it. This is bordering on harassment now. I don't want to admit to anything to them and don't know which debts they are ringing about.

Any advice please

[Warwick65]

Another option is to send 1 letter and list all the account numbers saying you wish to communicate only in writing. The downside to this is that they might join the dots , particularly if the names of the accounts aren't all in the same name e.g Jen, Jennie, Jennifer - you get my point. Recently a high st bank did not connect me with my sunday name and my shortened name even though the address and DOB were the same.

It is entirely up to you and how you can deal with them, are they very stressful ? If so send the letters earlier to save your sanity