jpd18 Diary

[jpd18]

I have debts with several companies totalling around £60K, I have been in a DMP since 2002 and have been paying them since this. I have decided to go down the CCA route and have requested CCA's from them all taking advice from your forum. These debts all originate from around 2001 and before. I have received responses saying that they cannot find the CCA and they are unenforceable but would request that I continue to pay. I have one that has sent me what they call a true copy but I am not sure this is the case and they claim to have also enclosed a current copy.

• Type of account: Store Card
• Date commenced (ideally before Apr 2007): 6th August 2001
• Approx balance: £515.92
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): Lender

18th February 2019 - CCA Request Letter Sent
27th February - Letter from Next stating they do not accept cheque payments and giving me no other option to pay for the CCA.
6th March - Sent letter informing them they had failed to supply CCA within 12 days and I would not make any payments until I received the CCA.
8th March - Letter from Next claiming to enclose a true copy of the CCA.

What is my next step, how can I see if the CCA is a true copy or not. Anything interesting note is on the letter it states 'We note that the amount of £0.00 remains outstanding on the account.'

Thanks

[Joanna Connolly Solicitors]

Hello

I can see that you've been in a DMP for nearly seventeen years so understandably you feel it's time for a change! Are you still in the DMP or have you started to self-manage?

Any credit agreements you receive can be emailed to Niddy (Never-in-Doubt forum owner) using webmaster@all-about-debt.co.uk and he'll be able to provide an opinion on whether they are unenforceable.

Make sure you put your username in the email's subject bar and a link to your thread in the body of the email. No need to blank anything out on the agreements because the email is secure.

Make a separate post for each debt (on this thread) and members will guide you on your journey.

I look forward to helping you.

Di

[jpd18]

Hi Di,

Great I will send over the CCA. Yes I have been paying for over 17 years and most of the debts have been sold on and all have dropped off of my credit file long ago.

I found your forum earlier this year and have since told the DMP company to go away as they have been charging me over £480 per year for the last 17 years. They also sold me accident and sickness protection for the first 14 years at £60 per month. Finding your forum has given me hope to finally be free of these debts.

[jpd18]

I have an overdraft which I discovered is not covered but the CCA. I wrote to cabot offering them a settlement offer of £707.04 and they responded offering a counter offer of £1878.67. I have since found the information of Overdrafts on your forum and was wondering if it is worth sending out the CCA request as per the overdraft template?

• Type of account: Overdraft
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £4,696.69
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Cabot

[jpd18]

• Type of account: Goldfish Credit Card
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £3,669.26
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Cabot

29th Jan 2019 - Sent CCA Letter
6th Feb 2019 - Letter from Cabot stating the account is unenforceable
18th Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.

[jpd18]

• Type of account: Littlewoods Store Card
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £523.47
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Moorcroft

29th Jan 2019 - Sent CCA Letter
6th Feb 2019 - Letter from Moorcroft requesting more time.
18th Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.
3rd Mar 2019 - Letter from Moorcroft advising the account is on hold whilst they are communicating with their Client.

[jpd18]

• Type of account: Lloyds Credit Card
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £4,636.86
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Cabot

29th Jan 2019 - Sent CCA Letter
16th Feb 2019 - Letter from Cabot stating the account is unenforceable
21st Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.

[The Tech Clerk]

JPD closed the other thread as all on this one

[jpd18]

• Type of account: Lloyds Credit Card
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £8,498.24
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Cabot

29th Jan 2019 - Sent CCA Letter
16th Feb 2019 - Letter from Cabot stating the account is unenforceable
21st Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.

[jpd18]

• Type of account: Egg Loan
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £4270,57
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Moorcroft

29th Jan 2019 - Sent CCA Letter
18th Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.
16th Feb 2019 - Letter from Cabot stating the account is unenforceable
21st Feb 2019 - Letter from Moocroft stating they are unable to provide CCA and account on hold until 01/04/2019 for me to reply.

[jpd18]

• Type of account: Egg Credit Card
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £4383.85
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Asset Link Capital

29th Jan 2019 - Sent CCA Letter
18th Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.
20th Feb 2019 - Letter from Asset Link - Dispute Acknowledgment Letter

[jpd18]

• Type of account: Lloyds Loan
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £15875.89
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Cabot

29th Jan 2019 - Sent CCA Letter
16th Feb 2019 - Letter from Cabot stating the account is unenforceable
21st Feb 2019 - Sent letter stating my intention not to pay until CCA is complied with.

[cymruambyth]

I have an overdraft which I discovered is not covered but the CCA. I wrote to cabot offering them a settlement offer of £707.04 and they responded offering a counter offer of £1878.67. I have since found the information of Overdrafts on your forum and was wondering if it is worth sending out the CCA request as per the overdraft template?

• Type of account: Overdraft
• Date commenced (ideally before Apr 2007): Unknown - Prior to 2001.
• Approx balance: £4,696.69
• Date last paid (approximate date you last made a FULL payment): May 2002
• Are you on arrangement or not paying: Was on DMP currently not paying
• Status (default/in arrears/up-to-date): Default
• Account owner (who is writing to you, a DCA or the lender): DCA - Cabot

I would send an overdraft CCA request as this can help you to clarify where you stand legally.

Well done for taking control and listing everything. You will get extra letters and maybe phone calls but we will be able to support and guide you. Never speak to anyone on the phone and check her3 before you write anything. The AAD way is successful and out letters are written so that you do not admit liability for anything.

Good luck.

[Joanna Connolly Solicitors]

have since told the DMP company to go away as they have been charging me over £480 per year for the last 17 years. They also sold me accident and sickness protection for the first 14 years at £60 per month.

You may be able to challenge your DMP's charges if they were unreasonable or too high etc.

You can read about how to do that that here > https://www.citizensadvice.org.uk/de...fees-too-high/

You may also have a claim against them if that 'accident and sickness protection (PPI?) was missold. Were you in work for all those 14 years?

Di

[Joanna Connolly Solicitors]

have since told the DMP company to go away as they have been charging me over £480 per year for the last 17 years. They also sold me accident and sickness protection for the first 14 years at £60 per month.

You may be able to challenge your DMP's charges if they were unreasonable or too high etc.

You can read about how to do that that here > https://www.citizensadvice.org.uk/de...fees-too-high/

You may also have a claim against them if that 'accident and sickness protection' (PPI?) was missold. Were you in work for all those 14 years?

Di