jpd18 Diary

[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: 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.

[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: £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.

[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: 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]

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]

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.

[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]

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