Neenys UE Diary

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 3 PRA33

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £280
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
09/07/2019 - CCA via recorded delivery inc £1.
19/07/2019 - Emailed letter received includes short form cancellation, historic terms and varied terms.
04/08/2019 - Emailed to Niddy for checking, no response as yet.
20/08/2019 - re- sent to Webmaster for checking

Edited 20/08/2019 as re-sent email for checking

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 5 PRA32

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1730
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
20/08/2019 - re-sent for checking

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 6 PRA31

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1900
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
20/08/2019 - re-sent for checking

Resent for checking 20/08/2019

[NeenyT]

Debt 1

Type of account: Santander Credit Card
Date commenced: 25.05.2010
Approx balance: £1240
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via Wescot
Status Defaulted: 31.08.2016
Account owner: Wescot
09/07/2019 - CCA sent
13/07/2019 - Letter received from Wescot acknowledging receipt of CCA request, stating they have requested the information from Santander (Original debt owner).
18/07/2019 - Letter received from Wescot saying they enclosed a copy transaction list as I requested (I did not, I sent the full CCA request). Payments showing to them only since my IVA ended, nothing from payments to Santander during IVA. (Assuming this is not sufficient so not going to email Webmaster unless otherwise advised to).
21/08/2019 - Letter received from Wescot stating info still not received from Santander (regarding CCA request sent 09/07/2019)

[NeenyT]

Hi all, Just want to thank everyone for their help so far. I have so far reduced my payments to all my creditors, mainly due to the fact I may be due some surgery and hence preparing for time off work. Should I continue my reduced payments or reduce further to minimal payments (putting remainder aside), until they can produce the goods or shall I leave it as is and not rock the boat?

[NeenyT]

Update

[NeenyT]

Debt 1

Type of account: Santander Credit Card
Date commenced: 25.05.2010
Approx balance: £1240
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via Wescot
Status Defaulted: 31.08.2016
Account owner: Wescot
09/07/2019 - CCA sent
13/07/2019 - Letter received from Wescot acknowledging receipt of CCA request, stating they have requested the information from Santander (Original debt owner).
18/07/2019 - Letter received from Wescot saying they enclosed a copy transaction list as I requested (I did not, I sent the full CCA request). Payments showing to them only since my IVA ended, nothing from payments to Santander during IVA. (Assuming this is not sufficient so not going to email Webmaster unless otherwise advised to).
21/08/2019 - Letter received from Wescot stating info still not received from Santander (regarding CCA request sent 09/07/2019)
28/11/2019 - Letter received from Wescot. Sent to Niddy for checking.

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 3 PRA33

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £280
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
09/07/2019 - CCA via recorded delivery inc £1.
19/07/2019 - Emailed letter received includes short form cancellation, historic terms and varied terms.
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22.08.2019 - Response from Niddy stating UE

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 5 PRA32

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1730
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22/08/2019 - Response from Niddy stating UE

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 6 PRA31

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1900
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22/08/2019 - Response from Niddy stating UE

[NeenyT]

Debts 3, 4, 5 & 6 were because of 4 cards being sent together (only successfully applied once though).

Debt 4 PRA30

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £841
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
29.08.2019 - Letter received from PRA stating this debt currently UE but are awaiting documents from Barclaycard to comply with my CCA request. currently

[Joanna Connolly Solicitors]

Can you just remind me which of those four debts was the one with the successful application.

Di

[NeenyT]

To be honest, I'm not sure how I could tell which one was the successful application. I got 4 cards through at the same time with only one confirmation email (which obviously had no card number attached to it) so I'm unsure how I could possibly ascertain which one actually went through.

I applied FIVE times, 4 rejections due to "system error" then the final attempt resulted in confirmation it had gone through.
Received 4 cards, then a letter stating another attempt (presumably the successful fifth attempt) was rejected.

[NeenyT]

Debt 4 PRA30

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £841
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
29.08.2019 - Letter received from PRA stating this debt currently UE but are awaiting documents from Barclaycard to comply with my CCA request.
04/09/2019 new update - Email received from PRA with sometimes illegible and frankly dodgy looking terms as they sent with the other three accounts. Sent to Niddy just to be sure.

[Joanna Connolly Solicitors]

Debt 4 PRA30

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £841
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
29.08.2019 - Letter received from PRA stating this debt currently UE but are awaiting documents from Barclaycard to comply with my CCA request.
04/09/2019 new update - Email received from PRA with sometimes illegible and frankly dodgy looking terms as they sent with the other three accounts. Sent to Niddy just to be sure.

You should only deal with PRA in writing, not by email.

Di