Moonmonkey's Diary

[Moonmonkey]

MBNA CC / Link

Agreement Start Date: 08/08/2011
Feb 20 Balance: £1333.12
Last Payment via Payplan: 15 Feb 2020 £118.69
CCA requested: 27/02/2020
CCA signed for: 02/03/2020

18/03/2020 - CCA recieved from Link
They have said - The account is now enforceable and we kindly request that you contact us to make an arrangement.
They have sent;

• An account summary on Link Headed Paper; However they have put the Link A/C no. and balance of my Barclaycard which also has a CCA request. As this is just part of a covering letter not sure if this can be held against them?
• Pre Contractual Explanation Sheet
• Pre Contract Credit Information (one pager in tiny writing)
• Credit Card Agreement with my Name and Address at the time (again one pager tiny writing)
• 7 pages of terms and conditions

Today's update - they c#cked up by referring to barclaycard details when the agreement is an MBNA CC.

Feel really out of my depth now - in self isolation for 14 days and cant get to a scanner for Niddy - Help me please

[The Tech Clerk]

even they can work from home as they are using computer threatograms etc

[Moonmonkey]

Guess my creditors will use Coronavirus as their excuse for for not responding to my CCA requests, either way UE until they produce something.

[MisterK]

Excellent. From today it's UE and will remain so until you get something back. Definitely don't remind them, just keep the evidence that you've made the request.

[Moonmonkey]

Nationwide CC

Agreement Start Date: 10/12/2008
Feb 20 Balance: £231.33
Last Payment via Payplan: 15 Feb 2020 £20.60
CCA requested: 27/02/2020
CCA signed for: 28/02/2020

13/03/2020 - Nothing Exciting - my CCA request was signed for on Friday 28/2 - that's 12+2 days right? Still no response.

[Moonmonkey]

No letters today nearly 12 days in - still awaiting initial responses 2 x Link CCA's and 1 x Nationwide ........................................ Sure ill hear some more once their payments aren't there on the 21st

[MisterK]

Yes, like you MM I get very disappointed.

I just love the thought of all that time they are wasting.

[Roger]

Anybody else get disappointed when they don't get any post from their creditors?

Patience its along game!
It takes 5(Scotland)/6 years for a debt to become Statute Barred.
We actually want DCA's and OC to put our debts at the bottom of their work pile! So instead of being disappointed each day without post/call is a good sign!
We have all been where you are now!! Sit on your Hands

[Moonmonkey]

Anybody else get disappointed when they don't get any post from their creditors?

[Timewilltell]

And let me say this, Lady Di has taught many of us a good game of poker!!

[Joanna Connolly Solicitors]

I worry about a rogue ccj . . . but I worry about everything - I’m also impatient

They can't get a CCJ unless they can satisfy the court that they have complied with all their statutory duties (not only the credit agreement).

And if they did get a CCJ without complying then we would likely advise you to Appeal.

You're a long way off any of this happening, so put it to the back of your mind.

I'm afraid it is a slow process where patience is a virtue as you discretely build your case in advance - it's a bit like playing poker

Di

[Moonmonkey]

Why do I feel like I need to call Sainsbury's as per their letter? I'm not very good at this As Sainsbury's still own the debt (£25k loan from 2008, Balance £1500) - do you think they are likely to produce a valid CCA ?

My other debts have been sold on Robinson Way, 2 with Link. I think Nationwide is still with nationwide but the balance is only £200

[The Tech Clerk]

they could start LBA without CCA but would have to produce etc in proceedings or discontinue if they do not produce and Enforceable one/

[Timewilltell]

Well if they don’t then it’s unlikely you’ll ever see an LBA!!

[Moonmonkey]

Ok night monkey, anything from Wescot ignore, after a few months of not getting anything from you both in payment or response they will write to you saying they have passed it back to their client, the chances are Sainsbury will try another collection outfit such as Apex, or Robinson Way etc, do the same and ignore. Eventually Sainsbury will either a) sell it to a debt purchaser or b) issue a Letter before Action.

A rogue CCJ is just that rogue and can be contested, to get a legitimate CCJ is a completely different beast and will take time and procedures. It is unlikely that a rogue one will ever get passed providing you keep your diaries up to date and as suggested keep a file with all correspondence in.

now for the time being stop worrying and live life that’s why we are here.

Letter before action shouldn’t they satisfy my cca request first