Lola girl UE diary...newbie!

[Lola girl]

If you get a Letter of Claim from Intrum post on your thread and also email it to me using di@joannaconnollysolicitors.co.uk

I think it's too soon to send a SAR to Tesco - you won't capture any interaction between them and Intrum if you do this too soon.

Also, if you send a SAR there's always the possibility that the content may get 'amended' . . . .

It's a pity you made a complaint to Tesco about their insistence of a signature on your s78 CCA Request. Ideally you would have ignored them, they would have ignored your CCA Request, and then you'd be in a better position.

However, hopefully Intrum are oblivious to what happened between you and Tesco, so whatever happens don't tell them!

Di

Hi Di - letter of claim has arrived today from Lester Aldridge Solicitors on behalf of Intrum. Letter dated 26th Oct giving me the 30 days. I will copy and email it to you Di. As you know this one was deemed enforceable when I CCA’d Tesco. I’ll update the diary for this on page 2 also.
Would much appreciate some help and advice. Thank you

lola x

[Lola girl]

File is too big Di - if you want to see the rest of the letter I can email it to you?

[Lola girl]

Does that letter from Barclaycard state exactly how much interest they have "refunded" to PRA and what they based their calculations on?

Does the letter say by accepting the £75 compensation you will take no further action against them and/or release them from any liability in the matter etc?

Di

Hi Di - I have attached a redacted copy for you to peruse. Haven’t sent it off yet so will await your comments ?
Lola x

[Joanna Connolly Solicitors]

if I complete the form for the £75 refund directly into my bank am I admitting this debt . . .

Does that letter from Barclaycard state exactly how much interest they have "refunded" to PRA and what they based their calculations on?

Does the letter say by accepting the £75 compensation you will take no further action against them and/or release them from any liability in the matter etc?

Di

[Lola girl]

Hi , you can safely take the money.
It has to be paid to you as the account was sold, they owe you the money not PRA,
Drinks are on you

Thanks NW....better get it sent off then!

[nightwatch]

Hi , you can safely take the money.
It has to be paid to you as the account was sold, they owe you the money not PRA,
Drinks are on you

[Lola girl]

• Type of account: Barclaycard
• Date commenced: 25/3/13
• Approx balance: £6k
• Date last paid: Aug 2018
• Are you on arrangement: DMP
• Status: Default 6.9.18
• Account owner: PRA

CCA request - documentation received, sent to Niddy to be checked
15/8/19 - this one has come back as unenforceable. I have cancelled my payment to Stepchange. Will send letter re missing terms to PRA.

19/8/19 missing terms letter sent to PRA
21/8/19 response from PRA with a copy of the unenforceable agreement already received...sent to Niddy to be checked just in case...still UE.
24/03/20 Nothing heard at all from Barclaycard or PRA so far...
25/03/20 Statement from PRA - to comply with obligations under CCA they are sending me a statement. No request for payment.
7/5/20 - 5 calls from PRA this last week. Answered the 3rd one and told them I do not discuss anything over the phone. They are obviously lockdown bored!
21/05/20 - another week of calls from PRA, answered 2 days ago and stated I do not discuss over phone and can they remove number. Another call yesterday, said they are now harassing me. They have guaranteed no more calls (yeah right).
26/05/20 letter received from PRA...
Thanks for your contact. The balance of your account is....
1/10/20 - email from PRA did I know I could set up payment plan online.
8/10/20 - email as above again
15/10/20 - email as above again

17/10/20 - letter from Barclaycard, they are refunding some interest to PRA as my credit limit was deemed too high. They also want to send me £75 for the inconvenience.

Has anyone else had this from Barclaycard? I have long since thought that a lot of my credit limits were far too high in comparison to my earnings and in particular the amount of credit I already had. This Barclaycard for example had a credit limit raised to higher than my yearly salary ? Very irresponsible lending!

Also - if I complete the form for the £75 refund directly into my bank am I admitting this debt to Barclaycard in any way even though it has been sold onto PRA?

Lola x

[Lola girl]

Lola, do you use the FCA Register to search these companies such as Wescot and Credit Security ?

https://register.fca.org.uk/s/

it will allow you to see if they are a debt purchaser or debt collector as well as if they are actually legal and legitimately registered.

Thanks for this - seems they are regulated for debt collection. I know that they are only managing the account, it is still with M&S

[Timewilltell]

Lola, do you use the FCA Register to search these companies such as Wescot and Credit Security ?

https://register.fca.org.uk/s/

it will allow you to see if they are a debt purchaser or debt collector as well as if they are actually legal and legitimately registered.

[Lola girl]

Hi Lola, been very quiet the only one on my case are Link who sent me an unenforceable CCA after i picked up the phone to them.

Well there’s one letter I’m sure you didn’t mind receiving!

[Moonmonkey]

I have updated my debts (page 2). It’s been quiet during Covid....have other people experienced the same? I wondered if there were lots of new defaulters this year keeping them busy. Also - anyone had experience of Credit Security Ltd? My M&S debt has been passed back from wescot and now been given to Credit Security to look after.

Hope all are well during these difficult times, glad the board is back up and running

Lola x

Hi Lola, been very quiet the only one on my case are Link who sent me an unenforceable CCA after i picked up the phone to them.

[Lola girl]

I have updated my debts (page 2). It’s been quiet during Covid....have other people experienced the same? I wondered if there were lots of new defaulters this year keeping them busy. Also - anyone had experience of Credit Security Ltd? My M&S debt has been passed back from wescot and now been given to Credit Security to look after.

Hope all are well during these difficult times, glad the board is back up and running

Lola x

[Lola girl]

How is the "financial mess" going

Update your thread with any news good or bad, so it can be tackled in case there's anything urgent which happened while the forum was offline due to maintenance recently.

Di

Thanks Di - glad everything back up and running! It’s been fairly quiet which I imagine will be the same for lots of people during the covid months. I have a few things which I will pop on tomorrow and update the thread with. Hope you are well x

[Joanna Connolly Solicitors]

Thanks Di - we have been split up a while so the emotion of it is okay these days. And this forum has been more helpful than you will all ever know in supporting me to sort the financial mess I have been left with so thank you everyone for that.

I’ll get there and hopefully become one of your success stories!
lola x

How is the "financial mess" going

Update your thread with any news good or bad, so it can be tackled in case there's anything urgent which happened while the forum was offline due to maintenance recently.

Di

[Lola girl]

If we help you laugh or smile,, you are a success story, every little helps, as some say.
sometimes a light hearted look at a problem from a different angle is what's needed, I'm your woman for that. Xx

Thanks NW - support and humour definitely helps! x