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**Stevo62** · 6 July 2020, 20:03

Account Westcot
Credit Card originally with Santander
Approx balance £900
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Westcot 21/04/20 acknowledging CCA request, 22/05/20 second letter stating documentation enclosed,
seems incomplete, just a single page with photo copied information on both sides, has a signature but no updated payment or account details,
need to get this checked, no other communication to date (06/07/20)

niddy says it's UE as the terms are illegible to the naked eye

**The Tech Clerk** · 6 July 2020, 20:09

as any more as before CCA arrives send unredacted copy to:- webmaster@all-about-debt.co.uk for checking refer to this thread

**The Tech Clerk** · 6 July 2020, 20:10

Wescott are only collection agency on commissions should they happen to collect any on behalf of owners. so original owners still own the aledged debt.

**Johng27** · 7 July 2020, 08:17

Welcome Stev062 !! Time will fly through, I am almost at 4 years on most of my debts. Daunting at first, but you will get used to the patterms and start to gain control. Can you add the approx start dates for each of the loans as this will enable more clarity and less questions going forward. Good luck in your journey, you will get great backing from the people on this site

**Stevo62** · 7 July 2020, 09:37

Good morning John, thank you for your kindly welcome, I will try and find the information you ask, all of these debts are at least 9 years old and all have dropped off my credit file, excuse my ignorance but can you please advise how the start dates will help. As and when I find the dates can the original post be edited or do I need to start a new post each time I have an update? This morning I have received 2 Letters on different accounts asking to set up payment plans, likewise will these need to be added as new posts or as previously can I edit the original post?

**Johng27** · 7 July 2020, 10:28

Hi Steve, if you look at other diaries, they tend to put the start dates in as well as the dates they stopped making payments. There will be quite a number of questions as you start to get the letters coming in. For each credi card or loan, I found it best to have a separate post y and a reference eg 1 post for each debt. You can log in and edit each of these every time to get a letter. If you look at the first page of my diary, you should see how I have separated out. Then once a letter comes in, you can refer to it and make it easier for the forum to find which one you are referring to.

**Johng27** · 7 July 2020, 10:31

Also on start dates, the older the card the better. I think pre 2007 cards are harder to enforce due to changes but I will let one of the experts explain on that. so wait until someone explains it better than me

**nightwatch** · 7 July 2020, 11:25

Hiya and welcome to AAD,

Use this format for each one >

Type of account (credit card/loan/overdraft)
Date commenced
Approx balance
Date last paid (approximate date you last made a FULL payment)
Are you on arrangement or not paying
Status (default/in arrears/up-to-date)
Account owner (who is writing to you, a DCA or the lender or a debt purchaser)

this format gives us an idea of the history of the debt, so you would do 10 seperate post (one for each debt)
then when there is anything to be added, new letter, or question re that debt, you can edit the original postthen hit "quote" and ask question, comment or just say "update"
we then know you have posted something new and can see the history of the debt, as you can imagine these debts dont vanish overnight and the Diary can get rather long, so this saves anyone time from searching through a long diary, mine is almost as long as "war and peace",
It can mean that we can give advice on what you could do next quicker, which may mean we stop you putting the letter in the box.

Hope to be of some help in your journey.

Nightwatch

**nightwatch** · 7 July 2020, 11:39

Account Idem Capital Securities
Personal Loan Lloyds TSB
Approx balance £820
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Idem 15/04/20 acknowledging CCA request, unfortunately we are unable to supply a copy of the credit agreement,
until we do your agreement cannot be enforced, you are free to take whatever action you consider appropriate but we will not be releasing you from any obligation under the agreement. Nothing further to date (06/07/20.

This sounds like they do not think they will get the paperwork, when did you take out the loan/when was it 1st sold on as this would give an idea of if Lloyds will still have the original papers or not.
Please file that letter away in a safe place as it says those magic words" cannot be enforced"
So I would stop payment's, they will insist that you should still pay, indeed they will keep asking you to, BUT, with out the CCA they cannot enforce in court.

**Stevo62** · 7 July 2020, 11:57

Good afternoon Nightwatch, thank you for your posts and comments, I have actually read your diary, probably why I'm here, I did detect an element or two of sarcasm, wit, smugness and victory among others, superb, your diary and entries have been made up over a long period of time and whilst I'm 100% committed to this I am new of yesterday and still finding my way around, I will try to follow the format you suggest but feel its not going to be either quick or easy, if there is one thing I have learnt it's you can't buy experience, but as I say I will get there.

**nightwatch** · 7 July 2020, 13:19

Thank you so much for your feed back of my diary.
Many that know me well say I am sarcastic, sometimes don't mean to be, just a natural habit, I can be witty when needed, I do get a feeling of smugness when i win a victory over DCA's.
I also like to see the funny side of life, normaly at the most inapropriate times, I also cannot spell, so some post can be quite funny.
If you have any questions please ask away, if I cannot answer them others may be able to.
I hope you enjoy your stay with us x

**Joanna Connolly Solicitors** · 14 July 2020, 14:22

Originally posted by Stevo62 View Post

the people who have given their time with an overwhelming desire to help others with such positivity and enthusiasm, the guidance, advice and professional knowledge given I’m sure will be of great help to me

The help given on this forum isn't only altruistic.

Sometimes revenge born out of personal negative experiences can be really satisfying too

You've been in a DMP for ten years so it's time to move on with your life especially since some of the debt purchasers will have bought your account for a minimal amount so probably in profit on the deal already.

Di

**Stevo62** · 14 July 2020, 17:10

Good afternoon Di
thank you for your post and interest, I had reservations like others before committing to this journey, but the more I read the more I liked. I always said to people if you can put a face to a name the relationship warms and changes, here I feel as though I never need to see a face, I have found here the good in people that sadly we have seemed to of lost over the years, looking forward to whats ahead with confidence and determination, again thank you all.

**Joanna Connolly Solicitors** · 15 July 2020, 16:36

Originally posted by Stevo62 View Post

Good afternoon Di
thank you for your post and interest, I had reservations like others before committing to this journey, but the more I read the more I liked. I always said to people if you can put a face to a name the relationship warms and changes, here I feel as though I never need to see a face, I have found here the good in people that sadly we have seemed to of lost over the years, looking forward to whats ahead with confidence and determination, again thank you all.

Looking at your updates on this thread you have nine debts which are currently unenforceable, so you’re off to a good start.

Di

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