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PowerOfCats UE Diary

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  • PowerOfCats UE Diary

    Hi All,
    Background: Started a DMP in 2012 with Stepchange for circa 60k unsecured debt. Currently at circa 39k and looking to self manage and follow advice on here. All of my debts have been defaulted and the majority dropped off my credit file(s) this year, with the last coming off in August 2019. I will document accordingly.


    1. Debt: MBNA Credit Card - Now with LINK FINANCIAL LTD
    Account Opened: 22.09.06
    Balance at time of starting DMP: 6360
    Current balance: 4995
    Defaulted? YES - Drops off Feb 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    11/01/19 - CCA request signed for. Signature receipt saved as PDF



    2. Debt: MBNA Credit Card (Virgin) - Now with LINK FINANCIAL LTD
    Account Opened: 22.01.06
    Balance at time of starting DMP: 6900
    Current balance: 4807
    Defaulted? YES - Drops off Feb 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    11/01/19 - CCA request signed for. Signature receipt saved as PDF



    3. Debt: Natwest Overdraft - With Wescot (in house collections)
    Account Opened: 28.07.03
    Balance at time of starting DMP: 980
    Current balance: 540
    Defaulted? YES - Drops off November 2018
    Last payment received: September 2018 via Stepchange for nominal low amount
    This debt is no longer showing on my Stepchange DMP? Seems to have disappeared and can't find any paperwork for it
    26/02/19 - Letter from Natwest stating that as of the 08/02/19 they have assigned PRA as the legal owners of the debt and therefore Wescot are no longer managing the account.
    01/04/19 - Letter dated 28/03 from PRA offering a discount on the balance.




    4. Debt: Natwest Loan - With Wescot (in house collections)
    Account Opened: 02.11.2007
    Balance at time of starting DMP: 25,897
    Current balance: 5982.47
    Defaulted? YES - Drops off November 2018
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    26/02/19 - Letter from Natwest stating that as of the 08/02/19 they have assigned PRA as the legal owners of the debt and therefore Wescot are no longer managing the account.
    01/04/19 - Letter dated 28/03 from PRA offering a discount on the balance. Bottom of letter states 'this account is currently classified as UNENFORCEABLE, which means we cannot take court action against you at this time...(etc)
    10/04/19 - Letter received from Wescot with CCA, and also stating they are returning the account to Natwest. Forwarded CCA to Niddy who believes this is UNENFORCEABLE


    5. Debt: Bank of Scotland Credit Card - Now with Moorcroft
    Account Opened: 08.05.09
    Balance at time of starting DMP: 3784
    Current balance: 3019
    Defaulted? YES - Drops off January 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    17/01/19 - letter from Moorcroft 'We acknowledge receipt of your recent letter requesting data as per Section 77-79 Consumer Credit Act 1974, and can confirm that we have requested the relevant documentation from our client will forward it to you when it is received.
    We must also stress that we are not seeking to enforce an agreement and have only asked that payment is made towards a debt that is outstanding by way of an affordable repayment plan. However, if you believe we are unable to ask that your account is repaid in this manner please provide us with specific details so the client can address any specific concerns you may have. This request is asked to also minimise potential costs and delays.

    25/0219 - letter from Moorcroft received with recon terms etc, signed statement of account, copy of original application recon version of original agreement. Will send over to Niddy for thoughts.
    14/03/19 - Letter from Moorcroft - to prevent further debt recovery action, please send payment proposal before 21/03/19
    30/03/19 - email back from Niddy. He believes this one is ENFORCEABLE

    30/03/19 - Letter from Moorcroft asking I get in contact to arrange an affordable repayment plan
    12/04/19 - Letter from Moorcroft stating I've not been in contact so they *may* do one of the following: continue to send letters or send a doorstep representative


    6. Debt: Shop Direct - Now with Arrow Global
    Account Opened: 30.11.12
    Balance at time of starting DMP: 1923
    Current balance: 1250
    Defaulted? YES - Drops off August 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    12/01/19 - Signed for letter received returning 1 postal order but confirming receipt of CCA request. Account on hold until further notice - confirm that they have sent the account to NCO and all further correspondence should be directed to NCO and will be received by NCO. Letter also requested that I provide a copy of my marriage certificate to confirm my name change - unsure whether to send or not? Will wait for now.
    16/01/19 - letter received dated 11/01/19 from Arrow ... 'we write to you in response to a request for information we sent to you on assignment of the debt when Arrow Global Limited purchased your account from Shop Direct. This letter is not a copy of the original Notice of Assignment, but it contains the information you received in the original letter. The original note of assignment was sent to you on the 6th January 2013.
    12/04/19 - Letter received stating they are still looking at my CCA request and the account is on hold




    7. Debt: Shop Direct - Now with Arrow Global
    Account Opened: 30.11.12
    Balance at time of starting DMP: 1632
    Current balance: 942
    Defaulted? YES - Drops off August 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    12/01/19 - Signed for letter received returning 1 postal order but confirming receipt of CCA request. Account on hold until further notice - confirm that they have sent the account to NCO and all further correspondence should be directed to NCO and will be received by NCO. Letter also requested that I provide a copy of my marriage certificate to confirm my name change - unsure whether to send or not? Will wait for now.
    16/01/19 - letter received dated 11/01/19 from Arrow ... 'we write to you in response to a request for information we sent to you on assignment of the debt when Arrow Global Limited purchased your account from Shop Direct. This letter is not a copy of the original Notice of Assignment, but it contains the information you received in the original letter. The original note of assignment was sent to you on the 6th January 2013.
    12/04/19 - Letter received stating they are still looking at my CCA request and the account is on hold



    8. Debt: Shop Direct - Now with Arrow Global
    Account Opened: 30.11.12
    Balance at time of starting DMP: 1229
    Current balance: 782
    Defaulted? YES - Drops off August 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    12/01/19 - Signed for letter received returning 1 postal order but confirming receipt of CCA request. Account on hold until further notice - confirm that they have sent the account to NCO and all further correspondence should be directed to NCO and will be received by NCO. Letter also requested that I provide a copy of my marriage certificate to confirm my name change - unsure whether to send or not? Will wait for now.
    16/01/19 - letter received dated 11/01/19 from Arrow ... 'we write to you in response to a request for information we sent to you on assignment of the debt when Arrow Global Limited purchased your account from Shop Direct. This letter is not a copy of the original Notice of Assignment, but it contains the information you received in the original letter. The original note of assignment was sent to you on the 6th January 2013.
    12/04/19 - Letter received stating they are still looking at my CCA request and the account is on hold




    9. Debt: Shop Direct - Now with Arrow Global
    Account Opened: 30.11.12
    Balance at time of starting DMP: 1250
    Current balance: 792
    Defaulted? YES - Drops off August 2019
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    12/01/19 - Signed for letter received returning 1 postal order but confirming receipt of CCA request. Account on hold until further notice - confirm that they have sent the account to NCO and all further correspondence should be directed to NCO and will be received by NCO. Letter also requested that I provide a copy of my marriage certificate to confirm my name change - unsure whether to send or not? Will wait for now.
    16/01/19 - letter received dated 11/01/19 from Arrow ... 'we write to you in response to a request for information we sent to you on assignment of the debt when Arrow Global Limited purchased your account from Shop Direct. This letter is not a copy of the original Notice of Assignment, but it contains the information you received in the original letter. The original note of assignment was sent to you on the 6th January 2013.
    12/04/19 - Letter received stating they are still looking at my CCA request and the account is on hold




    BELOW HAVE GONE FROM CREDIT FILE(S) BUT STILL ON MY STEPCHANGE DMP LOG IN CENTRE


    10. Debt: Barclaycard - (still with barclaycard)
    Account Opened: Unsure - dropped off credit file. Was pre-2007 however
    Balance at time of starting DMP: 5000?
    Current balance: 3116
    Defaulted? YES - Dropped off and gone
    Last payment received: September 2018 via Stepchange for nominal low amount
    22/01/19 - letter from Barclaycard informing me they are currently unable to fulfil my S78 request and at this time they are unable to enforce the debt. Filed for now UNENFORCEABLE

    11. Debt: Asda/NewDay (I think?) - Currently Lowells Financial Ltd
    Account Opened: Unsure - dropped off credit file. Was pre-2007 however
    Balance at time of starting DMP: 1900
    Current balance: 1373
    Defaulted? YES - Dropped off and gone
    Last payment received: September 2018 via Stepchange for nominal low amount
    11/01/19 - CCA request signed for. Signature receipt saved as PDF
    25/01/19 - letter dated 22/01/19 - Lowells have been unable to obtain the requested documents. ...'we have decided to not pursue the outstanding money at this time. However, if Capital One provides the requested documentation in the future, we may contact you again to request payment'. Filed. Letter now dates that the balance due is 0.00 UNENFORCEABLE
    (for now)


    12. Debt: Capital One -Currently Lowells Financial Ltd
    Account Opened: Unsure - dropped off credit file. Was pre-2009 however
    Balance at time of starting DMP: 2200
    Current balance: 1508
    Defaulted? YES - Dropped off and gone
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    17/01/19 - letter dated 17/01 - Lowells have been unable to obtain the requested documents. ...'we have decided to not pursue the outstanding money at this time. However, if Capital One provides the requested documentation in the future, we may contact you again to request payment'. Filed. Letter now dates that the balance due is 0.00 UNENFORCEABLE
    for now)


    13. Debt: Egg card - bought by Barclaycard - Currently PRA
    Account Opened: Unsure - dropped off credit file. Was pre-2007 however
    Balance at time of starting DMP: 4800
    Current balance: 3885
    Defaulted? YES - Dropped off and gone
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    12/01/19 - letter received returning 1 postal order but confirming receipt of CCA request. Account on hold until further notice

    24/01/19 - letter received with reconstituted T&C's - emailed to Niddy for his thoughts.
    28/01/19 - email back from Niddy. Believed to be UNENFORCEABLE right now due to being incomplete


    14. Debt: Egg Loan - bought by Barclays - Currently IDEM CAPITAL SECURITIES LTD
    Account Opened: Unsure - dropped off credit file. Was pre-2008 however
    Balance at time of starting DMP: 6000?
    Current balance: 2957
    Defaulted? YES - Dropped off and gone
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    14/01/19 - letter received whereby they acknowledge request and sent back the 1 postal order as they have stopped charging for CCA requests
    28/01/19 - Letter from IDEM unfortunately we are unable to supply a copy of the credit agreement and acknowledge that until we do so the agreement cannot be enforced. We have contacted the original lender for a copy and if available it will be sent to you under separate cover in compliance with your request. Currently UNENFORCEABLE
    26/02/19 - letter from IDEM stating that they have conducted a review of the interest and payment and confirm the last date I paid was 16/10/18 and so due to non-payment they are reinstating the previous interest rate of 9.510%? If I want to maintain 0.00% to contact them within 14 days.

    04/04/19 - Letter dated 01/04 - Your account is in arrears. Please call to make a payment or discuss alternative payment options available to you



    15. Debt: Barclaycard World - Currently with PRA
    Account Opened: Unsure - dropped off credit file. Was pre-2007 however
    Balance at time of starting DMP: 3500
    Current balance: 2691
    Defaulted? YES - Dropped off and gone
    Last payment received: September 2018 via Stepchange for nominal low amount
    10/01/19 - CCA request signed for. Signature receipt saved as PDF
    12/01/19 - letter received returning 1 postal order but confirming receipt of CCA request. Account on hold until further notice
    24/01/19 - letter received stating that due to the age of the account they cannot find details. PRA confirm unenforceable (for now).UNENFORCEABLE



    GENERIC NOTES:
    06.11.18 Currently putting together the CCA requests and my 1 postal orders for all of the above.
    **HIATUS DUE TO PERSONAL CIRCUMSTANCES AND FAMILY BEREAVEMENT. NO PAYMENTS MADE TO ACCOUNTS**
    09.01.19 Posted off my CCA 78-79 requests and 1 postal orders via signed for delivery. Kept and logged the postal order receipts accordingly.
    Last edited by PowerofCats; 4th April 2019, 18:16.

  • #2
    Originally posted by PowerofCats View Post
    Currently putting together the CCA requests and my 1 postal orders for all of the above.

    Let the games begin

    See what comes back from your s77-79 CCA Requests (remember to send them by Royal Mail Recorded Delivery). Even if you have more than one debt with the same creditor or debt purchaser, you still need to send a standalone CCA Request in separate envelopes for each debt.

    There may be a lot of noise at first when the debt owners realise that they're not effortlessly receiving their monthly repayments from you (via StepChange DMP) which they've become used to over the years, but post on here when you hear anything and you will get help and support each step of the way.

    Things will go quiet eventually.

    Di

    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

    Comment


    • #3
      This is going to sound stupid (apologies), but I've never ordered a postal order before - do I just ask for X amount of 1 orders? Is there anything special I have to do with them before sending them signed for with the letters?

      Comment


      • #4
        wondering if it's possible to PM Di or ask someone a question?

        I'm currently about to send off my letters but haven't paid for 3 months. My job is a police officer and I've always been up front to our vetting department about the DMP and I've just told them I'm going to now self manage and they've said they still want to see proof of my monthly payments coming out of my account. How do I reply back and explain what I'm doing? Feeling a bit confused and awkward!

        TIA

        Comment


        • #5
          Diana Mayhew
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

          Comment


          • #6
            Originally posted by PowerofCats View Post
            it's possible to PM Di ?

            I'm currently about to send off my letters but haven't paid for 3 months. My job is a police officer and I've always been up front to our vetting department about the DMP and I've just told them I'm going to now self manage and they've said they still want to see proof of my monthly payments coming out of my account. How do I reply


            Do you mean that you haven't sent any s 77-79 CCA Requests yet, or have I misunderstood your post #3 from November 2018?

            Creditors and debt purchasers are obliged (under FCA CONC rules) to tell you if a debt is unenforceable if they cannot comply with your request. Maybe a letter like that will satisfy your bosses.

            Do you have a formal annual review, and if so when is the next one due, or is the vetting an ongoing process?

            If you have a legal query you can email me using the address in my signature di@joannaconnollysolicitors.co.uk

            Di
            Legal Disclaimer

            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

            Comment


            • #7
              Will email you Di! Thank you!

              Comment


              • #8
                Meant to say, vetting is all complete and I'm enhanced vetted due to my role - hence work being in the loop about the DMP.

                Email sent!

                Comment


                • #9
                  Originally posted by PowerofCats View Post
                  Email sent!

                  And I've replied

                  Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment


                  • #10
                    updated with contact so far! Most have signed for their CCA requests, only waiting on 1 (though the other letter sent to the same address at the same time is allegedly still in the postal system!) I've had 6 written responses within a day of them receiving the request, all returning their postal orders but confirming that accounts are on hold for the time being. 12 working day countdown has begun for those guys!

                    Comment


                    • #11
                      Don't get too excited about the 12 days as this is only a nominal time scale. I have had CCA requests that have taken weeks to arrive. If a compliant one does arrive- even years after you sent the request it could still be enforceable.

                      Comment


                      • #12
                        Oh I understand that. Don't worry. Lovely Di called me Friday and we had a phone call. She is brilliant

                        Comment


                        • #13
                          Updated Debt No. 6

                          Received a letter from arrow re: a Shop Direct account and they have enclosed the notice of assignment for the account, but not the CCA? I didn't request the NoA? Filed this letter away for now.
                          Is there anything else to do?

                          Comment


                          • #14
                            sanitised letters attached
                            Attached Files

                            Comment


                            • #15
                              nothing to be done, please twiddle your thumbs untill you hear anything else
                              NWx
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

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