PowerOfCats UE Diary

[PowerofCats]

Oh, and they're Global Ltd not Guernsey

[PowerofCats]

Hi Diana Mayhew , to be honest I have no idea on these accounts as I have no paperwork. Shall I SAR them?

[Joanna Connolly Solicitors]

Debts 6,7,8,9 (Shop Direct accounts) - Arrow declined 10% F&F and countered with 50%. I have 30 days to reply. I can't afford 50% (total around 2k) so not sure what to do with this one. It's one of my enforceable ones . . .

Can you clarify whether these Shop Direct accounts have been assigned to Arrow Global Ltd or Arrow Global (Guernsey) Ltd. It may make a difference.

Also do you recall receiving a Default Notice for each account before they were assigned?

Have you been receiving annual Notice of Sums in Arrears for each of them (I can't see when the assignments took place)?

There are many reasons for a debt to be unenforceable not only the credit agreement.

Di

[PowerofCats]

Debts 6,7,8,9 (Shop Direct accounts) - Arrow declined 10% F&F and countered with 50%. I have 30 days to reply. I can't afford 50% (total around 2k) so not sure what to do with this one. It's one of my enforceable ones and I'm prepared to settle enforceable debts due to my job status - I don't want to go down the SB route.
Thinking of leaving it for a bit and seeing what else I can scrape together. The defaults drop off the end of August. Ideas are warmly welcomed

[PowerofCats]

Debt 13 - SAR sent to Barclaycard

[PowerofCats]

Debt 15 - Barclaycard Debt Review on one of my UE accounts (can't find credit agreement)

Following a recent review of our operating procedures we have identified that for customers who had fallen behind in their payments, we did not always meet expected standards for assessing customer circumstances or engaging with them. Please accept our apologies for this.
As a consequence we may not have offered you the support most appropriate to your financial situation. In recognition of the potential distress and inconvenience you may have suffered, as a consequence of as not meeting expected standards, we are making a payment to you of £75 brackets the inconvenience payment brackets. This will be paid directly to you in cash.
we will not look further into your case and provide further deserve it redress unless you contact us regarding any other circumstances or losses in relation to this. We can be contacted on a helpline number xxx quoting the letter reference above. In these circumstances, we may offer an additional payment for any further distress and inconvenience suffered.
is there is currently an outstanding balance on the account and you are making regular payments these will need to continue.
Next steps.
to allow hours to complete the inconvenience payment, please nominate the account which you would like the inconvenience payment to be paid, by completing the attached response form. For the avoidance of doubt, this account must be held in the name of XXX please return the completed response form to as in the enclosed prepaid envelope within 30 days from the date of this letter.

Searched online and found this was legit. Sent off the form for my £75!

[PowerofCats]

Debt 13 - CCA request answered in the quickest turnaround ever. Emailed to Niddy, still believed to be UE due to being incomplete. Will do an SAR as per Di's advice but sit tight on this one for now

[Joanna Connolly Solicitors]

Diana Mayhew nothing looks different with it to me.

I'll send an SAR and see what comes back. Do I do it to Barclaycard in general or do I need to be specific (eg, Egg accounts with Barclaycard)

It's not only about what looks the same as the previous credit agreement they sent, it could be about what they've not sent which makes all the difference

I would send the SAR to Barclaycard in general. It may be best not to flag up that there was Egg involved in case they don't realise that.

The Transaction Log may contain reference to PRA's approach to them for a credit agreement which can sometimes be enlightening.

Di

[The Tech Clerk]

Diana Mayhew , that has to be the fastest CCA request ever. Posted Saturday and response from PRA today meaning they turned it around the same day as receiving it! Will scan and send to Niddy but nothing looks different with it to me.

I'll send an SAR and see what comes back. Do I do it to Barclaycard in general or do I need to be specific (eg, Egg accounts with Barclaycard)

Thanks again for help!


And yes, I do hope Link forget!!!

webmaster@all-about-debt.co.uk

[PowerofCats]

Diana Mayhew , that has to be the fastest CCA request ever. Posted Saturday and response from PRA today meaning they turned it around the same day as receiving it! Will scan and send to Niddy but nothing looks different with it to me.

I'll send an SAR and see what comes back. Do I do it to Barclaycard in general or do I need to be specific (eg, Egg accounts with Barclaycard)

Thanks again for help!


And yes, I do hope Link forget!!!

[Joanna Connolly Solicitors]

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
25/05/19 - First piece of correspondence received. A statement of account dated 10/05/19. Interestingly it notes my CCA request and £1 on there, but I have not received any CCA documentation.


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
25/05/19 - First piece of correspondence received. A statement of account dated 10/05/19. Interestingly it notes my CCA request and £1 on there, but I have not received any CCA documentation. .

Link have acknowledged your two s77/78 CCA Requests in writing (albeit unintentionally) and have not sent you any credit agreements.

Long may that continue to be the case

Di

[Joanna Connolly Solicitors]

will see what happens. If they send the same thing through I'll obviously be happy!

I wouldn't worry. PRA are very litigious so a claim may well already be in their minds regardless of what you do or don't do. They may send you the same credit agreement again, not an 'improved' version.

Have you sent a SAR to Barclaycard as I suggested?

Di

[PowerofCats]

Have I given you my opinion too late - have you already sent that CCA Request?

Di

Yeah :/ unfortunately only by an hour! Bit gutted now, but will see what happens. If they send the same thing through I'll obviously be happy!

[Joanna Connolly Solicitors]

CCA request sent to no.13 Barclaycard/Egg

Have I given you my opinion too late - have you already sent that CCA Request?

Di

[PowerofCats]

sorry for all the messages at once, but the postman delivered a few bits today! First in a while