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  • My DMP diary

    BARCLAYCARD
    • Type of account - Credit card
    • Date commenced - 12th Sept 2007
    • Approx balance - £1,157.34
    • Date last 'full' payment - May 2013
    • Arrangement - DMP
    • Status - defaulted 2013
    • Account owner - PRA Group
    10.2.20 CCA request made
    11.2.20 CCA request signed for
    13.2.20 - Letter received re account not held in current surname, requested that I confirm my previous surname in order for them to comply with Data Protection. £1 postal order returned with the letter stating they dont charge for the requests.
    13.2.20 Emailed to confirm my surname
    14.2.20 Email response confirming they have actioned the request
    28.02.20 Letter received from PRA Group. They have enclosed 2 copy statement of account dated June 2014 and Aug 2014. They say that is the documentation received to date and they are awaiting further documents in order to complete the request. They have currently deemed the debt as

    06.05.20 Missed call from PRA Group who then left an automated voicemail asking me to call them back. Deleted voicemail.
    Last edited by d_mcl85; 7th May 2020, 18:02.

  • #2
    Last payment made??
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

    Comment


    • #3
      BARCLAYCARD
      • Type of account - Credit card
      • Date commenced - Oct 2011
      • Approx balance - £1,832
      • Date last 'full' payment - May 2013
      • Arrangement - DMP
      • Status - defaulted Jan 14
      • Account owner - PRA Group
      10.2.20 CCA request made
      11.2.20 CCA request signed for
      13.2.20 - Letter received re account not held in current surname, requested that I confirm my previous surname in order for them to comply with Data Protection. £1 postal order returned with the letter stating they dont charge for the requests.
      13.2.20 Emailed to confirm my surname
      14.2.20 Email response confirming they have actioned the request
      28.02.20 Letter received from PRA Group. They have provided a CCA agreement but say that as they are currently unable to provide a copy of my varied terms and conditions they are unable to satisfy the request and they have classed the debt as unenforceable. They also provided 1 copy statement of account dated June 2013

      06.05.20 Missed call from PRA Group who then left an automated voicemail asking me to call them back. Deleted voicemail.
      02.06.2020 - Received an email from PRA Group offering me 10% off. Ignored
      09.06.2020 - Received email from PRA group offering me 10% off. Ignored.
      Last edited by d_mcl85; 9th June 2020, 16:21.

      Comment


      • #4
        Originally posted by The Tech Clerk View Post
        Last payment made??
        Feb 20, all my creditors have accepted reduced payments from Payplan who is managing my DMP.. I have been on a DMP with them all since May 2013.
        How do I edit my posts to add information to it when I come to sent CCA request letters, responses received etc?

        Comment


        • #5
          Originally posted by d_mcl85 View Post
          How do I edit my posts to add information to it when I come to sent CCA request letters, responses received etc?
          Don't worry about technical things right now - just carry on listing your debts in the way you have done with the first two. You can fill in the blanks later.

          At the risk of sounding like a midwife, you're doing great

          This forum aims to help you take back control of your debts instead of them controlling you.

          Di

          Legal Disclaimer

          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • #6
            ÀRGOS STORE CARD
            • Type of account - Store card
            • Date commenced - unsure
            • Approx balance - £540.59
            • Date last 'full' payment - May 2013
            • Date of last payment - Feb 2020
            • Arrangement - DMP
            • Status - no longer showing on credit file
            • Account owner - Cabot Financial
            10.02.20 CCA request made
            11.02.20 CCA request signed for
            27.03.20 Letter received. They have been unable to obtain the information requested from the original lender. Until they can supply it the account is
            Last edited by d_mcl85; 7th April 2020, 11:41.

            Comment


            • #7
              HALIFAX CREDIT CARD
              • Type of account - Credit card
              • Date commenced - unsure
              • Approx balance - £288.08
              • Date last 'full' payment - May 2013
              • Arrangement - DMP
              • Status - no longer showing on credit report, maybe defaulted and dropped off credit file
              • Account owner - Cabot Financial
              10.02.20 CCA request made
              11.02.20 CCA request signed for
              15.02.20 Acknowledgement from Cabot informing me they dont have the CCA and will request it from the original lender along with the terms and statement of account and aim to get back to me within 12 days with an update
              27.02.20 Letter received from Cabot. They are still waiting on the information from the original lender, confirmed that they can not obtain a CCJ until the CCA is produced.
              currently
              Last edited by d_mcl85; 7th April 2020, 11:41.

              Comment


              • #8
                HALIFAX
                • Type of account - Personal loan
                • Date commenced - 2010
                • Approx balance - £7,317.22
                • Date last 'full' payment - May 2013
                • Date of last payment - Feb 2020
                • Arrangement - DMP
                • Status - no longer showing on credit report
                • Account owner - Halifax
                • Payments being collected by Moorcroft Debt Recovery
                10.02.20 CCA request sent to Halifax
                11.02.20 CCA request signed for
                07.04.20 Statement of account received
                02.06.2020 letter received from Moorcroft asking me to contact them as they have been advised that I am no longer receiving assistance from an appointed representative.
                This is the account I worry about the most because I have had absolutely no response to the CCA request I sent but I wasnt sure whether sending it to the address I did for Halifax was incorrect and whether I should have sent it to a different address for Bank of Scotland as that is what is written on annual statements and the letter from Moorcroft. Part of me wonders if they are just playing the same waiting game as me and will follow through with further action if I keep ignoring them and then turn around and say I didnt send the CCA request to the correct address so they werent obliged to respond. Any advice please?
                Last edited by d_mcl85; 9th June 2020, 16:09. Reason: Advice please

                Comment


                • #9
                  Moorcfoft are only collectors not owners they act for owner
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • #10
                    SANTANDER
                    • Type of account - Overdraft
                    • Date commenced - approx 2008
                    • Approx balance - £541.39
                    • Date last 'full' payment - May 2013
                    • Arrangement - DMP
                    • Date of last payment - Feb 2020
                    • Status - no longer showing on credit report
                    • Account owner - Wescot Credit Services
                    10.02.20 CCA request made
                    11.02.20 CCA request signed for
                    22.02.20 letter received from Wescot re account held in different name, requested confirmation of name on account and proof of change
                    22.02.20 Email sent confiming name on account along with attachment of marriage certificate.
                    28.02.20 Letter from Wescot acknowledging that they have updated the account name and are waiting for their client to provide the requested information.
                    5.03.20 Statement of account received. Waiting for further documentation.
                    16.03.20 Letter received from Wescot saying
                    "Having contacted our client they have sent a copy of the signed agreement. We have enclosed this for your convenience. Should you believe you still have a query with us, we would kindly request that you let us know so that we can look in to this further for you. To allow you an opportunity to contact us, we have placed your account on hold until 2nd April 2020. Please ensure that you contact us by this date, as your account may return to the collection process after the hold period expires."
                    What they have enclosed is a Non Face To Face Customer Identification Record and a Bank Account Application Form.
                    18.03.20
                    Send docs to Niddy for checking
                    21.03.20Niddy confirms
                    Last edited by d_mcl85; 24th March 2020, 22:24.

                    Comment


                    • #11
                      Collection agent's on commission
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment


                      • #12
                        Oakbrook Finance LTD/Likely Loans
                        • Type of account - Personal Loan
                        • Date commenced - April 2018
                        • Approx balance - £12,083.60
                        • Date last 'full' payment - July 2018
                        • Date of last payment - Feb 2020
                        • Arrangement - DMP
                        • Status - Arrears
                        • Account owner - Oakbrook Finance
                        25.1.20I Uunaffordable/irresponsible lending complaint made

                        3.2.20 - Likely loans confirmed receipt of complaint and aim to respond within 8 weeks.

                        10.02.20 SAR made

                        11.02.20 CCA request made

                        12.02.20 CCA signed for

                        20.02.20 CCA received along with information they hold in relation to the SAR made (application details, statements of account, temporary arrangement to pay letters and notice of sum in arrears)

                        20.03.20 Final response received from Likely Loans/Oakbrook Finance LTD to my irresponsible lending complaint they are not upholding the complaint.

                        6.04.2020 Irresponsible lending complaint escalated to the FOS

                        9.05.2020 Acknowledgement received from FOS

                        Your complaint about OAKBROOK FINANCE LIMITED trading as Likely Loans

                        Thank you for the information you sent us.

                        Due to the current circumstances around the coronavirus outbreak, it will take us longer than usual to get back to you.

                        If you’re facing severe financial hardship or ill-health, please call us on 0800 023 4567.

                        15.05.2020 Default notice received from Likely Loans dated 11th May 2020.
                        Last edited by d_mcl85; 15th May 2020, 13:15.

                        Comment


                        • #13
                          Originally posted by The Tech Clerk View Post
                          Moorcfoft are only collectors not owners they act for owner
                          Thanks Tech Clerk, do I send my CCA reques to Halifax rather than Moorcroft then?

                          Comment


                          • #14
                            Originally posted by d_mcl85 View Post

                            do I send my CCA reques to Halifax rather than Moorcroft then?

                            Yes, send it to the Halifax

                            Di

                            Legal Disclaimer

                            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                            Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                            Comment


                            • #15
                              Originally posted by d_mcl85 View Post
                              Oakbrook Finance LTD/Likely Loans
                              • Type of account - Personal Loan
                              • Date commenced - April 2018
                              • Approx balance - £12,083.60
                              • Date last 'full' payment - July 2018
                              • Date of last payment - Feb 2020
                              • Arrangement - DMP
                              • Status - Arrears
                              • Account owner - Oakbrook Finance
                              25.1.20I Uunaffordable/irresponsible lending complaint made
                              3.2.20 - Likely loans confirmed receipt of complaint and aim to respond within 8 weeks.

                              If Oackbrook Finance Ltd T/A Likely Loans don't uphold your complaint (in a Final Response letter) you can escalate it to the FOS before the 8 weeks are up. If Likely Loans haven't reached a decision when the 8 weeks are up, you can escalate it to the FOS anyway.

                              Did you have any help on how to make your complaint?

                              How was the loan taken out, such as online?

                              In some cases Likely Loans would simply transfer the money into your bank account because you've made an application but before you signed (tick box?) any credit agreement.

                              I'll ask Warwick65 to pop in

                              Di
                              Legal Disclaimer

                              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. My Direct Line is 0151 254 6986 Our initial advice is always free.

                              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                              Comment

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