Night Monkey's diary

[nightwatch]

it should look the same, with the possability that the one's sold on having the original settled/default replaced, with the company that have bought it now reporting the original default.

[Night Monkey]

Can anyone tell me what my credit report will look like once I stop paying? I've just checked via a free 'checkmyfile' trial and I currently have seven defaults across cards and overdrafts. Three are listed as 'U', one as 'US', one 'D' and bizarrely two 'S', those being an HSBC card and a Barclaycard.

[nightwatch]

just sticking my nose in, BUT, there may not be anyone in the "office" dealing with post , so no one to sign for it, Just send it with proof of posting from the post office.

[MisterK]

If you've got absolutely nothing to show for it then if it were me I would certainly do it again and keep the entire chain, eg copy of letter sent, scan of cheque/PO, printout of delivery signature from RM website, in addition to anything received back even including the envelope it arrived in. As also recommended by others.

Your word might count for something but not nearly as much as a stack of evidence would.

[Night Monkey]

Originally posted by Night Monkey View Post
As far as I can recall they just returned my letter and the postal order with no comment or cover note; everything else I either sent recorded (two HSBC), received a reply stating that that the debt was unenforceable but that I should keep paying anyway (Santander) or was deemed enforceable (MBNA).

Roger replied:

THEY can you prove that THEY sent it back?
Was it in their envelope? Anything written on the envelope? Doesn't matter if there was no comment! All that matters is evidence that they received it!
AAD recommend always saving Envelopes by the way and writing the received date on the envelope!!

I have no trail of proof on this one, so I'm minded to start again with it & CCA PRA.

Lesson learned, I'll also audit the others & make sure I've got their trails documented. I believe I have with the rest of them, but envelopes saved & filed too from hereon in.

[Roger]

As far as I can recall they just returned my letter and the postal order with no comment or cover note; everything else I either sent recorded (two HSBC), received a reply stating that that the debt was unenforceable but that I should keep paying anyway (Santander) or was deemed enforceable (MBNA).

THEY can you prove that THEY sent it back?
Was it in their envelope? Anything written on the envelope? Doesn't matter if there was no comment! All that matters is evidence that they received it!
AAD recommend always saving Envelopes by the way and writing the received date on the envelope!!

[Night Monkey]

what did you get back?
as long as you sent it and they returned it with a letter saying why you made the request.
Did they say you had to sent the request to Barclays ?

As far as I can recall they just returned my letter and the postal order with no comment or cover note; everything else I either sent recorded (two HSBC), received a reply stating that that the debt was unenforceable but that I should keep paying anyway (Santander) or was deemed enforceable (MBNA).

[nightwatch]

what did you get back?
as long as you sent it and they returned it with a letter saying why you made the request.
Did they say you had to sent the request to Barclays ?

[Night Monkey]

Type of account - Barclaycard credit card
Date commenced - Approx 2012
Approx balance - £7300
Date last paid - Early 2018
Are you on arrangement or not paying - DMP with StepChange
Status - default
Account owner - PRA Group (UK) Ltd.

17.8.19 Requested CCA details
22.8.19 Returned £1 postal order with above letter, no specific mention of this account
26.3.20 Received statement from PRA, ~£6700 outstanding, ~£650 received.

It occurs to me that this was one of the first CCA requests I made and didn't send it recorded - is it worth doing again to properly document that I've done it?

[Night Monkey]

Well, now seems as good a time as any.

I've informed StepChange that we're going self-managed and have canceled the direct debit. I've also set up a monthly standing order sending the £308 that we've been paying them into savings to give us a fighting fund.

So far of five accounts one (MBNA, ~£8500 currently with PRA) has been deemed enforceable, HSBC has ignored two CCA requests and two others have so far been unable to provide them.

We have so far paid ~£4500 through StepChange and ~£31000 remains.

I like being in control, it's been a while. Long may it continue.

[Night Monkey]

Sent a hand-signed copy, let's see if this cuts it.

[Night Monkey]

The letter of authority you attached from your wife is only a printed signature and we need a handwritten signature that matches the one we have on record.

They're starting to annoy me now.

[nightwatch]

I've just received an email from StepChange saying that they can't supply the requested information without my wife's authorisation as 'some debts are held in joint names'.

I duly provided that authority but it seems odd - are they just erring on the side of caution?

They also posed the question 'Is there some particular information you require so that we can target this for you'?

I ignored that bit.

They do need your wife's permission to send detail's that are in her name, DPA,
It gets quite funny at times as I deal with all our debt's so if we need to send a SAR for Hubbys account's, I send it and I sign it in his name, so much for security

[Night Monkey]

I've just joined AAD+ because I'm in a position to be able to, and frankly you guys deserve it.

Thanks for your help so far, and looking forward to moving on...

[Night Monkey]

I've just received an email from StepChange saying that they can't supply the requested information without my wife's authorisation as 'some debts are held in joint names'.

I duly provided that authority but it seems odd - are they just erring on the side of caution?

They also posed the question 'Is there some particular information you require so that we can target this for you'?

I ignored that bit.