Florida Jens diary

[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?

[Warwick65]

Yes

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

[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]

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

[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

[Floridajen]

Which debt is this for?

Di

Hi Di, this is for debt 1
thanks

[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]

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

[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]

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

[nightwatch]

Hiya, yep, just sit on your hands and wait for that 1st letter to drop through your door. NW x

[Floridajen]

Hiya, yep, just sit on your hands and wait for that 1st letter to drop through your door. NW x

Thanks for your reply

[Floridajen]

Hiya, yep, just sit on your hands and wait for that 1st letter to drop through your door. NW x

Have now received first letter from DCA what should I do know please

[nightwatch]

Have now received first letter from DCA what should I do know please

It would help if you said which DCA it has been passed to, also are they just collecting on behalf of the original lender?
OR has it been sold to them,

A rough outline of what the letter says also helps.

NW

[Floridajen]

It would help if you said which DCA it has been passed to, also are they just collecting on behalf of the original lender?
OR has it been sold to them,

A rough outline of what the letter says also helps.

NW

Letter from Barclays states account has been passed to Arvarto Financial Services to manage account of their behalf. Then letter received from Arvarto saying we have been asked to contact for repayment of amount.

Any advice what I should do now please ? Thanks