Tarka's Unenforceable Diary

[Tarka]

Background

I had debts totalling around £60k and have paid off around £24k over the last 9ish years on a DMP with Stepchange.

I have sent out CCA Requests today, most if not all of the historical paperwork is long gone.

I assume most of the accounts defaulted when we went onto the DMP, and have dropped off our credit files as only the Together Loan and one of the credit cards (Link £200) remains.

[Tarka]

Here goes, you might want to make a brew and get some biscuits.

Type of account - Loan - Northern Rock

Date commenced - April 2008

Approx balance - £7,500

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Not visible on my Credit File with Clearscore

Account owner - Cabot

Sept 2018 - CCA Request Sent
03/10/2018 - Copy of unsigned Loan Agreement, SoA and letter saying they consider it enforceable. (Copy sent to Niddy)
Niddy has confirmed this may be as undated and unsigned by myself.

[Tarka]

Type of account - Loan -Cahoot

Date commenced - Pre 2010

Approx balance - £3,000

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status – Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner – Cahoot

Sept 2018 - CCA Request Sent
09/10/2018 - Letter received from Santander stating that no monies are outstanding against this account and there is no obligation for them to supply the credit agreement.

[Tarka]

Type of account - Credit Card - Halifax

Date commenced - Pre 2010

Approx balance - £2,500

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status – Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner – IDEM


Sept 2018 - CCA Request Sent
03/10/2018 - Acknowledgement of CCA Request - Postal Order Returned
18/10/2018 - Signed for letter received stating they cannot supply a copy of the Credit Agreement and until they do so the agreement cannot be enforced.

[Tarka]

Type of account - Loan - NRAM

Date commenced - Pre 2010

Approx balance - £2,000

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status – Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner – Cabot

Sept 2018 - CCA Request Sent
03/10/2018 - Copy of Signed Agreement, SoA and Letter saying they consider it is enforceable. (Copy sent to Niddy)

[Tarka]

Type of account - Credit Card - Barclaycard

Date commenced - Pre 2010

Approx balance - £2,100

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status – Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner – Link

Sept 2018 - CCA Request Sent

[Tarka]

Type of account - Credit Card - MBNA

Date commenced - Pre 2010

Approx balance - £1,500

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status – Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner – Moorcroft

Sept 2018 - CCA Request Sent

[Tarka]

Type of account - Credit Card - Egg Card

Date commenced - Pre 2010

Approx balance - £800

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner - Link


Sept 2018 - CCA Request Sent

[Tarka]

Type of account - Credit Card - Halifax

Date commenced - Pre 2010

Approx balance - £750

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner - IDEM


Sept 2018 - CCA Request Sent

[Tarka]

Type of account - Loan - GE Capital

Date commenced - Pre 2010

Approx balance - £400

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner - Hoist


Sept 2018 - CCA Request Sent
04/10/18 - Hoist - Account on temp hold while they ask for the agreement

[Tarka]

Type of account - Credit Card - Barclaycard

Date commenced - 21/11/2005

Approx balance - £200

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed)

Clearscore - Shown as Link with £200 Balance
Experian - Shown as Barclaycard settled 09/2016
Experian - Shown as Link with £200 Balance

Account owner - Link

[Tarka]

Type of account - Loan - NRAM Together Mortgage

Date commenced - 2004

Approx balance - £15,000

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Visible on my Credit File with Clearscore)

Experian - Showing as 6 months late

Account owner - Landmark

I have not requested a CCA

[Tarka]

Type of account - Overdraft - Barclays

Date commenced - Unknown Pre 2007

Approx balance - £500

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner - Barclays

I have not requested a CCA

[Tarka]

Type of account - Overdraft - Barclays

Date commenced - Unknown Pre 2007

Approx balance - £200

Date last paid - Sept 2018

Are you on arrangement or not paying- Arrangement (Stepchange)

Status - Default (Assumed - Not visible on my Credit File with Clearscore)

Account owner - Barclays

I have not requested a CCA

[nightwatch]

welcome Tarka, and what a nice diary you have started,

I am sorry to say my Diary calls for more than a brew and some biscuits, more a bottle of vino and a takeaway

are you still paying Stepchange?

If any are UE stepchange will not be happy to stop paying some ,so you will have to go self managed for any you may want to continue paying,
you can Sar them later to get any additional information,
can you remember who loans one and two were with, not to worry if not you will find out when you get a reply to your CCA rerquests.

look forward to helping you
NWx