Stevo62 My Diary

[Johng27]

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

[The Tech Clerk]

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.

[The Tech Clerk]

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

[Stevo62]

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

[Stevo62]

Hi all, new here today,

I have had until recently a DMP with SC for approx 10 years, all debts have dropped off my credit file, recent events have prompted me to review my situation and
I started to search for information regarding debt and among others came across this website and its forums, I have spent the last 3 months reading about numerous
people’s circumstances including diaries, responses and threads.

I have been inspired by 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 moving forward, in advance I thank you all for getting me this far, so here goes.

I sent CCA requests to all my creditors, the letters were sent on the 3rd of April and to date ( 6th July 20 ), all but 2 have failed to send me any paperwork,
the two I mention I hope to get checked for enforceability or not.

I cancelled my DMP on the 22nd of June



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



Debt 2 Account Westcot
Personal Loan originally with Santander
Commencement date 2010
Approx balance £3100
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Westcot 29/04/20 acknowledging CCA request, 18/05/20 second letter received documentation enclosed,
all seems to be in order, then unusually and not to form I receive a third letter on the 29/06/20 from Westcot saying they are now investigating the account
and they will not contact me or collect any monies whilst the investigation takes place, I would have thought this should have been the second letter,
may be the CCA sent should be looked at professionally, I await the outcome of the investigation.

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. The last payment we received on your account was June 2020
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)


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



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, should have stopped payment to them but still reading forums at this stage.



Debt 5 Account Cabot Financial Europe
Credit Card originally with RBS MINT
Approx balance £3900
Last payment June 10th 2020

CCA request sent 3rd of April, letter received from Cabot 29/04/20 acknowledging CCA request and will forward paperwork when they have it,
second letter received from Cabot 01/06/2020 stating unable to obtain information, until we do they state account is unenforceable.



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)




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)




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.



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.



Debt 10 Account PRA Group UK Ltd
Credit Card original lender unknown
Approx balance £540
Last payment June 10th 2020
CCA request sent 3rd of April, letter received from PRA 21/04/20 acknowledging CCA request and will forward paperwork when they have it,
still nothing to date, (06/07/20)