Philyabootz UE diary (please help)

[philyabootz]

There is a harassment AAD letter if these become a nuisance!

Please could you direct me to this letter?

They are trying my mobile and home phone at least 2 times everyday with no written communication since they deemed the Barclaycard debt enforceable

Thanks

[nightwatch]

Please could you direct me to this letter?

They are trying my mobile and home phone at least 2 times everyday with no written communication since they deemed the Barclaycard debt enforceable

Thanks

TOP OF PAGE CLICK ON TEMPLATES, 3RD ONE DOWN HARASSMENT TEMPLATES, CLICK ON , TELEPHONE HARASSMENT, EDIT THE BLANKS, X

[philyabootz]

TOP OF PAGE CLICK ON TEMPLATES, 3RD ONE DOWN HARASSMENT TEMPLATES, CLICK ON , TELEPHONE HARASSMENT, EDIT THE BLANKS, X

Thanks for this

[philyabootz]

TOP OF PAGE CLICK ON TEMPLATES, 3RD ONE DOWN HARASSMENT TEMPLATES, CLICK ON , TELEPHONE HARASSMENT, EDIT THE BLANKS, X

Hello

Ive tried a couple of times to access/download this template but I think you need to be a AAD premium member to access it. I don't mind paying for this if thats the case but I just wanted clarification on this. I messaged the admin but had no response as yet

Thanks in advance

Phil

[The Tech Clerk]

Harassment by Telephone

[philyabootz]

Hi all

Just wanted to post a summary below and to update where I am with the my 2 creditors PRA group and Intrum group

Neither group has wrote to me in over 3 months. PRA group have rang my mobile and landline many many times but I have followed the advice on here and ignored them and recently sent a harassment letter and asked them to communicate in writing only. The calls keep coming.

I have tried to put a bit of money away to one side in case they start demanding repayments etc but this is hopefully a last resort

Any further advice as to what to do at this stage other than wait please let me know

Thanks again

Phil


PRA Group £8700

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing



PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing



Intrum Group £23600

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 – No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18



Intrum Group £1600

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

[Joanna Connolly Solicitors]

Three out of four debts are currently unenforceable so that's good news

You've been told that the credit agreement for the ex-Tesco loan is enforceable but that doesn't necessarily mean that everything else is in perfect order now that it has been assigned to 1st Credit (renamed Intrum).

See what Intrum do next since you've not heard anything from them for over three months.

Di

[philyabootz]

Three out of four debts are currently unenforceable so that's good news

You've been told that the credit agreement for the ex-Tesco loan is enforceable but that doesn't necessarily mean that everything else is in perfect order now that it has been assigned to 1st Credit (renamed Intrum).

See what Intrum do next since you've not heard anything from them for over three months.

Di

Thanks for the reply Diana

Its always reassuring to know that people like you and others are looking after us in this forum its appreciated

[philyabootz]

Hi

Summary Update with my 2 creditors PRA group and Intrum group

PRA group have acknowledged my complaint re harassment calls on 7th December. They have stated they will give me 30 days grace to contact them via email phone or letter to sort payment plan.I don't plan to do this and will await for further communication from them in writing

Intrum group who I haven't heard anything from in a while have wrote on 22nd December to say they placing both my accounts on hold for 60 days until I contact them to arrange payment plan. They have asked me to contact them within 14 days. Again I wasn't planning on doing this and to wait for further written communication from them

Can anyone confirm if this is the correct approach or should I do anything differently?

Thanks

Phil



PRA Group £8700

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


Intrum Group £23151

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 – No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan




Intrum Group £1533

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan

[philyabootz]

Hi

Summary Update with my 2 creditors PRA group and Intrum group

PRA group have acknowledged my complaint re harassment calls on 7th December. They have stated they will give me 30 days grace to contact them via email phone or letter to sort payment plan.I don't plan to do this and will await for further communication from them in writing

Intrum group who I haven't heard anything from in a while have wrote on 22nd December to say they placing both my accounts on hold for 60 days until I contact them to arrange payment plan. They have asked me to contact them within 14 days. Again I wasn't planning on doing this and to wait for further written communication from them

Can anyone confirm if this is the correct approach or should I do anything differently?

Thanks

Phil



PRA Group £8700

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan


Intrum Group £23151

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 – No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan




Intrum Group £1533

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan

[philyabootz]

Hi guys

Summary Update with my 2 creditors PRA group and Intrum group

PRA group acknowledged my complaint re harassment calls on 7th December. They gave me 30 days grace to contact them via email phone or letter to sort payment plan. I didn't do this and as of today 22/3/2019 I have heard nothing from them either by any contact method

Intrum group who I haven't heard anything from in a while have wrote on 22nd December 2018 to say they placing both my accounts on hold for 60 days until I contact them to arrange payment plan. They have asked me to contact them within 14 days. I didn't do this and as of today 22/3/2019 I have heard nothing from them either by any contact method

Thanks

Phil



PRA Group £8247

· Originally Barclaycard not Egg or Goldfish
· Type of account credit card
· Date original CCA commenced May 1999
· Sold to PRA 13/12/2017
· Date last paid to PRA 01/08/2018 £130.59 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

June 2018 CCA requested and original signed agreement from 1999 has been produced from Barclaycard

28/07/18 Niddy @admin deems it UE...Niddy stated there "weren't complete terms accompanying the agreement, containing described terms" and is still UE in his opinion

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan

11/03/2019 Email recieved from PRA saying they will accept a full settlement of 90% of the total debt - £7423

22/03/2019 No contact since letter on 07/12/2018 (above)


PRA Group £5800

· Originally MBNA
· Type of account Plat credit card
· Date original CCA commenced August 2016
· Sold to PRA December 17
· Date last paid to PRA 01/08/2018 £92.72 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested and letter back (12/10/18) to state debt is currently unenforceable

29/11/18 Harassment by telephone letter sent to PRA group due to dozens of calls but no correspondence in writing

07/12/18 PRA wrote to say acknowledged complaint and account frozen for 30 days. Have asked me to contact them to arrange payment plan

22/03/2019 No contact since letter on 07/12/2018 (above)


Intrum Group £23151

· Originally Tesco Loan
· Type of account: Loan
· Date original CCA commenced Jan 2014 (Restructured from original Tesco loan started from Feb 2012)
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £158.88 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18

CCA full paperwork sent by Intrun group (07/09/2018)

20/10/2108 Niddy: Sadly this is enforceable. It’s just too new.
Things from 2015 are likely to be better than older accounts

29/11/2018 No calls/emails/letters from Intrun since CCA paperwork sent in Sept 18

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan

22/03/2019 No contact since letter on 20/12/2018 (above)


Intrum Group £1533

· Originally Tesco Credit Card
· Type of account: Credit Card
· Date original CCA commenced Feb 2011 I think
· Sold to 1st Credit (now Intrum) 26/01/2018
· Date last paid to Intrum 01/08/2018 £24.81 via Stepchange
· Date last payed full contractual amount: Feb 2017 via Stepchange
· PPI No

Notes:

CCA requested 07/06/18 No response but the £1 cheque for CCA has been cashed

Last communication 08/02/18 stating they had taken over the debt

20/12/2018 - Account on hold for 60 days. They have stated I have 14 days to contact them to arrange a repayment plan

22/03/2019 No contact since letter on 20/12/2018 (above)

[philyabootz]

Hi please can I have some opinions on next steps and advice from the 2 very recent letters received from Intrum :




Intrum Group £1533

Originally Tesco Credit Card

Not sure if Enforceable




On 12/04/2019 Intrum group wrote to me stating that are considering county court proceedings




“ regrettably we are considering whether we should refer your account to our internal legal department to initiate County Court proceedings against you. In doing so cost could be added onto your balance”







Intrum Group £23151

Originally Tesco Loan

It is according to Niddy enforceable




On 15/04/2019 Intrum group have wrote to me asking if I’m experiencing financial difficulties and referred me to companies such as National debtline and step change

[philyabootz]

Hi please can I have some opinions on next steps and advice from the 2 very recent letters received from Intrum :




Intrum Group £1533

Originally Tesco Credit Card

Not sure if Enforceable

On 12/04/2019 Intrum group wrote to me stating that are considering county court proceedings


“ “regrettably we are considering whether we should refer your account to our internal legal department to initiate County Court proceedings against you. In doing so cost could be added onto your balance”



Intrum Group £23151

Originally Tesco Loan

It is according to Niddy enforceable


On 15/04/2019 Intrum group have wrote to me asking if I’m experiencing financial difficulties and referred me to companies such as National debtline and step change

[Joanna Connolly Solicitors]

can I have some opinions on next steps

Intrum Group £1533

Originally Tesco Credit Card

Not sure if Enforceable

On 12/04/2019 Intrum group wrote to me stating that are considering county court proceedings

Hello

What makes you think this debt is enforceable?

I haven't read back through your thread but did you send Intrum or the original creditor (Tesco Finance?) a formal s 77-79 CCA Request at some point?

And have you been given a valid opinion of the documents they produced (if any)?

Have you received a Letter of Claim from Intrum?

Di

[philyabootz]

Hello

What makes you think this debt is enforceable?

I haven't read back through your thread but did you send Intrum or the original creditor (Tesco Finance?) a formal s 77-79 CCA Request at some point?

And have you been given a valid opinion of the documents they produced (if any)?

Have you received a Letter of Claim from Intrum?

Di

Hi Diana thanks for the reply

I did send Intrum a CCA Request in June 2018 but I have had no response to this

As they have not produced any documents I can't ask for opinion on UE

The last letter I have received from Intrum dated 22/04/2019 stated "your account will shortly be passed to legal department to consider county court proceedings" "an application to your employer to deduct money from your salary if you do not comply with the order for payment"

Please help

Thanks