Stevo62 My Diary

[Stevo62]

I dont recognise either of the names you mention, the content of the letter yesterday is below word for word.

05/08/20 Letter received from PRA -

Dear Mrs Stevo62

PRA group (UK) purchased your MBNA Limited account on ............ and we have been trying to resolve this matter with you since then.

Unfortunately at the time of writing this letter, there is still not an agreement in place to resolve this matter, an outcome of this is that your account is with our investigations and litigation dept to look at your outstanding debt for possible litigation recovery.

We want to work with you to help you clear your remaining debt in an affordable manner and we have a fully trained team waiting to take your call.
We are here to listen and help, especially if you have been impacted by the coronavirus, however we need you to contact us so that we can work together on resolving this matter.
If we do not here from you within the next 30 days then your account will be considered for the next stage which would be putting you on notice that court proceedings may be brought against you.

This is not our preferred way forwards and we look forward to hearing from you within 30 days of the date of this letter.

Call us today on our freephone number ......... to see how we can assist you.

[Joanna Connolly Solicitors]

I would do nothing right now.

You've only recently cancelled your DMP so PRA will be missing the payments which they have been receiving effortlessly from StepChange for some time, possibly years.

Wait for PRA to write to you and/or your wife again.

I wouldn't send another CCA Request from either you or your wife. That can wait until they threaten legal proceedings (which may be never).

(I’ve replied to your PM).

Di

[Joanna Connolly Solicitors]

the content of the letter yesterday is below word for word.

05/08/20 Letter received from PRA -

Unfortunately at the time of writing this letter, there is still not an agreement in place to resolve this matter, an outcome of this is that your account is with our investigations and litigation dept to look at your outstanding debt for possible litigation recovery.

. . .

If we do not here from you within the next 30 days then your account will be considered for the next stage which would be putting you on notice that court proceedings may be brought against you.

The forum has been offline due to some technical issues so can you let me know if PRA have gone ahead with their threat of legal proceedings?

Di

[Stevo62]

Debt 1 Account Capital One
Credit Card still with Capital one
Commencement date 2005
Approx balance £4500
Last payment June 10th 2020

CCA request sent late May, as the debt was with the original creditor I thought the paperwork would all be in place, CCA received from Capital One
11th of June with abrupt letter stating enforceable, but hope to get this checked, doesn’t seem to be a default notice and not sure about the rest of the paperwork.
Niddy Says UE

12/08/20 Letter received from Cap 1, we have not received payment from your authorised 3rd party, please contact us. (Filed)

21/09/20 Statement of activity received from Cap 1

29/09/20 Letter received from Cap 1, as you have previously been issued with a default we would like to inform you that there is an outstanding balance on your account and its important you make payments to clear the remaining amount.
It is important that you take one of the following steps today - contact us to set up an affordable payment plan, pay the outstanding balance, contact an independent organisation.

If we can't reach an arrangement with you action may be taken to recover the amount you owe which may involve selling your account to a debt purchaser. We reserve the right to take alternative action to recover the outstanding balance. (Filed)

[Stevo62]

Debt 3 Account Westcot
Credit Card originally with Santander
Commencement date 2009
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 UE

17/08/20 Letter received from Westcot -
We refer to your recent contact on this account.
We would like to thank you for your patience and we can confirm that we are awaiting further information from our client before this issue can be resolved, we will be in touch in due course. If you wish to contact us to discuss this matter please phone or write to- (Filed)

08/03/21 Letter received from Westcot -
Our records show that you have missed a payment on the arrangement we previously agreed with you for this account.
Please contact us urgently to discuss this account. (Filed)

17/03 21 Letter received from Wescot -
We wrote to you on the 3rd of March 2021 to advise you have missed your repayment on our previously agreed payment plan for this account.
To date we have no record of receiving a payment from you since the ..th of June and we need to make contact with you to discuss the reasons for this missed payment.
We agreed to take payments by instalment as a means of resolving the outstanding debt in a way that is affordable to you, however this repayment plan has not been maintained.
Please contact us urgently ..........(Filed)

[Stevo62]

Debt 4 Account Moorcroft Debt Recovery
Personal loan originally with Sainsburys, has been sold on three or four times since, I believe Intrum Finance Ltd to be the current owner of the debt
Commencement date 2009
Approx balance £9100
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Moorcroft 15/04/20 acknowledging CCA request and will forward paperwork when they have it,
still nothing to date.

04/09/20 Letter received from Moorcroft
Our records show that we have not received the payment of £... due under your agreed arrangement with the result that you are in arrears for the sum of £..., if you have sent your payment in the last few days and this letter has crossed over then you do not need to take any action.

If you are currently unable to make payment please could you contact us so that we can discuss your current circumstances and make sure that your account continues to be treated correctly. (Filed)

08/09/20 Letter received from Moorcroft saying please find enclosed a copy of your agreement, just a single page, will send to Niddy

02/10/20 Letter received from Moorcroft
PLEASE CONTACT US TO DISCUSS YOUR ACCOUNT
We cannot trace having received a recent payment, we are aware that these can be difficult times and it is important we work together.

Contact us now and we would be happy to discuss a repayment programme that you can afford and maintain. In certain circumstances we may also be able to offer a substantial discount from the outstanding balance. (Filed)

The agreement has been reviewed and appears to be UE

17/10/20 Letter received from Moorcroft
Monthly instalment offer
As we have not received any communication from you with regards to your outstanding account, we are concerned that your financial position means that you may not be in a position to meet our requests to clear the account in full.
We can confirm that we are prepared to accept a sensible monthly repayment plan which reflects your financial circumstances and is one that you can afford to maintain - please contact us. (Filed)

02/11/20 letter received from Moorcroft - Further to our records we have not been able to agree a affordable repayment plan with you, please get in touch (Filed)
14/11/20 Letter from Moorcroft - They are disappointed that despite numerous attempts to contact me no satisfactory agreement has been reached, however in an attempt to an arrangement our client has informed us that we may be able to offer you a discount on your outstanding balance, if I would like to participate in this offer please call ...... (Filed)

28/10/20 Letter received from Intrum - We refer to the above account which has been with our external recovery provider Moorcroft Debt Recovery Ltd for collection of the outstanding debt, please note as of the date of this letter your account has been returned to Intrum.
Please contact our team to discuss repayment of your outstanding balance. (Filed)

05/12/20 Letter from Intrum - You haven't been in touch to talk about your outstanding balance, if you'd rather not speak to us that's okay you can do everything you need to online. (Filed)

[Stevo62]

Debt 6 Account Cabot Financial (Europe)
Credit Card originally with Lloyds Bank
Commencement date late 90s
Approx balance £1785
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Cabot 15/04/20 acknowledging CCA request and will forward paperwork when they have it,
second letter received from Cabot 12/06/2020 stating unable to obtain information, until we do they state account is unenforceable.
08/07/2020 Letter received from Cabot asking me to set up a payment plan. (Filed)You've missed a payment

30/0720 We haven't received your latest payment and it's broken your plan with us.
Let us get you back on track and reduce your balance, we want to find an affordable and sustainable solution that works for you,
we've made setting up a plan easy.
How to get back on track - call us ....../submit your plan on line at ...... (Filed)

19/08/20 Letter received from Cabot asking me to set up a payment plan (Filed)

27/09/20 Letter received from Cabot asking me to set up a payment plan (Filed)

16/10/20 Letter received from Cabot, thank you for your previous payments towards your account. You currently have £..... left to pay so we need to agree a payment plan with you. (Filed)

29/10/20 Statement of account received from Cabot. (Filed)

03/02/21 Letter received from Cabot - You were making payments but have stopped, it's time to take back control and get back into a repayment plan. Debt doesn't go away, the longer you do not contact us, the more contact you will receive. (Filed)

22/02/21 Letter received from Cabot - Its been 14 days since we last wrote to you and we still haven't heard from you.
This is a serious matter, the longer you do not make payments or contact us the more calls and letters you will receive, if you do not respond we will write to you again, its best to take action now. (Filed)

11/03/21 Letter received from Cabot - You have chosen not to respond to any of our recent communication about your account even though we have given you ample opportunities.
This is a defaulted account and the full balance is still due.
We take this matter seriously, you have 9 days to respond to this letter.
If we do not hear from you we may look at other ways to resolve the debt, this could include an agent visiting your property to discuss your situation. (Filed).

17/03/21 Letter received from Cabot-
Thank you for paying in the past, get back on track with a payment plan, call us or take control online at ........(Filed)

04/04/21 Letter received from Cabot-
Thank you for your previous payments, you need to call us to set up a new plan ........(Filed)

21/05/21 Letter received from Cabot -
Save £50 on your account with us when you update us with your current situation and start repaying. (Filed)

[Stevo62]

Debt 7 Account Cabot Financial (Marlin)
Personal Loan originally with Northern Rock
Commence Date approx 2004
Approx balance £2820
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Cabot 20/04/20 acknowledging CCA request and will forward
paperwork when they have it, second letter received from Cabot 29/04/2020 stating unable to obtain information, until we do they state account is unenforceable.
08/07/2020 Letter received from Cabot asking me to set up a payment plan. (Filed)

30/0720 We haven't received your latest payment and it's broken your plan with us.
Let us get you back on track and reduce your balance, we want to find an affordable and sustainable solution that works for you,
we've made setting up a plan easy.
How to get back on track - call us ....../submit your plan on line at ...... (Filed)

19/08/20 Letter received from Cabot asking me to set up a payment plan (Filed)

27/09/20 Letter received from Cabot asking me to set up a payment plan (Filed)

16/10/20 Letter received from Cabot - Thank you for your previous payments towards your account. You currently have £..... left to pay so we need to agree a payment plan with you. (Filed)

03/02/21 Letter received from Cabot - You were making payments but have stopped, it's time to take back control and get back into a repayment plan. Debt doesn't go away, the longer you do not contact us, the more contact you will receive. (Filed)

17/02/21 Letter received from Cabot - Its been 14 days since we last wrote to you and we still haven't heard from you.
This is a serious matter, the longer you do not make payments or contact us the more calls and letters you will receive, if you do not respond we will write to you again, its best to take action now. (Filed)

05/03/21 Letter received from Cabot - You have chosen not to respond to any of our recent communication about your account even though we have given you ample opportunities.
This is a defaulted account and the full balance is still due.
We take this matter seriously, you have 9 days to respond to this letter.
If we do not hear from you we may look at other ways to resolve the debt, this could include an agent visiting your property to discuss your situation. (Filed).

30/03/21 Letter received from Cabot-
Thank you for paying in the past, get back on track with a payment plan, call us or take control online at ........(Filed)

15/05/21 Letter received from Cabot -
Save £50.00 on your account with us when you update us with your current situation and start repaying, all you need to do is call us and fill out a budget form (enclosed) ......... (Filed)

[Stevo62]

Debt 8 Account Cabot Financial
Personal loan originally with Lloyds Bank,
Commencement date approx 2004
Approx balance £1150
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Cabot 09/04/20 acknowledging CCA request and will forward paperwork when they have it, 22/04/20,
second letter received from Cabot, were still processing my request, until we are able to provide further information they state account is unenforceable.

17/08/20 Letter received from Cabot - Moving on from your debt management plan
We would like to help you repay your account and would like to speak to you about setting up a repayment plan (Filed)

13/09/20 Letter received from Cabot - Were giving you control
We get it, nobody knows your finances better than you so we think its only fair you set up a plan that's exclusively made for you, all you need to do is get in touch. (Filed)

30/09/20 Letter received from Cabot - What's happening next?

We have tried to contact you on a number of occasions so we can understand your financial situation and discuss a payment plan that is affordable and fair.
Because we have been unable to contact you, we are now going to instruct a company called Resolvecall to visit you at your home so that they can put you back in touch with us

You can still talk to us instead on 03........, we'd rather speak to you and arrange a way for you to pay. We would need to speak to you in the next 7 days or you'll receive a visit from Resolvecall. (OH ??IT)

04/02/21 Letter received from Cabot - We've moved your account back to us as we feel this is the best way to help you on your journey to financial recovery, didn't know the account had been moved! ( Filed)

12/04/21 Letter received from Cabot -
Annual statement received. (Filed)

08/05/21 Letter received from Cabot -
You've made progress with your balance by paying us in the past, clearly something went wrong last time so we want you to make sure your new plan is affordable for you. (What new plan?) Get in touch to get started. (Filed)

18/05/21 Letter received from Cabot -
Would I like a 30% discount, call us within 30 days........ (Filed)

[Stevo62]

Debt 9 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.

21/09/20 Letter received from Idem - DMP No payment received

Please get in touch to confirm whether S/C debt charity are still assisting you with your financial matters and if you wish to continue payments in line with the previously agreed arrangement.
If you prefer to discuss a new payment arrangement directly with us please contact us on 08..... (Filed)

06/11/20 Letter received from Idem -
As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account ...... This matter is now urgent, please contact us.... (Filed)

13/03/21 Letter received from Idem -
We are increasingly concerned that we have not been able to speak to you about your account.
We are keen to speak to you in order to understand your situation so that we can place you on the most appropriate payment agreement.
Failure to make contact with us may result in the following actions - (Plural)
1) Your account may be placed with an external DCA
2) There is no 2 ? (Filed)

[Stevo62]

The forum has been offline due to some technical issues so can you let me know if PRA have gone ahead with their threat of legal proceedings?

Di

Hi Di,

to date I haven't received anything more from PRA but its about the right time of the month so I'm expecting something soon, will keep you informed when/if I hear from PRA

[Joanna Connolly Solicitors]

Debt 4 Account Moorcroft Debt Recovery
Personal loan originally with Sainsburys, has been sold on three or four times since, I believe Intrum Finance Ltd to be the current owner of the debt
Commencement date 2009
Approx balance £9100
Last payment June 10th 2020

Thank you for all those updates. You seem to have everything firmly under control.

I've replied to your PM about Debt 4

Di

[Stevo62]

Hi all, I recently sent my first SAR request, (so didn't know quite what to expect), using a template from National Debtline to a creditor, (sadly this site was down at the time) and received acknowledgement that they were investigating - my complaint and thank you for getting in touch about PPI insurance.
I have uploaded an image of the letter, would this be considered to be the correct/usual response or have they misunderstood the request?

[The Tech Clerk]

they have got it wrong as usual, some banks use to do that when SAR request made (HSBC) for one as they wanted to only supply PPI related documents, they did me, so I lambasted them at the time then a long fight to get all SAR information. the templates on their sites can at times be confusing/

[Stevo62]

they have got it wrong as usual, some banks use to do that when SAR request made (HSBC) for one as they wanted to only supply PPI related documents, they did me, so I lambasted them at the time then a long fight to get all SAR information. the templates on their sites can at times be confusing/

Hi The Tech Clerk, thank you for a quick response, is there a better template on this site I can Use?