The Start of my journey..Floss2020

[The Tech Clerk]

Irresponsible Lending & Affordability Checks. comes to mind if the 2008/9 dates correspond?

[Floss2020]

Hello Yes I think this might be the case.. I really need to check the dates of all of these cards as when I was burying my head in the sand, I shredded the letters ( I know... I should not have done this now in hindsight) When I took this card out with Lloyds, initially there was only one.. they kept increasing the credit limit.. then offered me a loan to pay off the card.. but I still kept the card and the loan.. Then they gave me another card.. that of course I maxed out! Oh the benefits of hindsight!!

[Joanna Connolly Solicitors]

Debt 7:

Vanquis Bank Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009
Approx balance - 750
Date last paid - 30 Sept 2020 - Managed DMP
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner Vanquis Bank

Last full payment was in 2010

2010 Vanquis Bank
2011 Intrum UK previously 1st Credit
2011 back to Vanquis Bank?

What makes you think this debt has been reassigned to Vanquis by Intrum UK?

I see you are still paying it, so who do you pay?

Di

[Floss2020]

What makes you think this debt has been reassigned to Vanquis by Intrum UK?

I see you are still paying it, so who do you pay?

Di

Hello Di,

This was on my account record from Payplan. I can see that that the creditor was Vanquis in 2010 and then in 2011 it changes to Intrum UK with a different account number then a week or so later the original vanquis account number is referenced again.. When I look at the payment history, the payments appear to be being made to Vanquis, not Intrum. I have asked Payplan to let me know the account numbers to which my payments are made, but they are unable to give me this information.

[Floss2020]

Good Morning. I have a very quick question ( I want to make sure I do this correctly ) When I send the CCA letters off, do I send these by recorded delivery or do I just need proof of posting from the P.O? Thank you!

[Sam Audley]

Good morning Floss2020, you can send your CCA letters off by first class, but make sure you get your proof of postage receipts from the post office

[Floss2020]

Thank you for confirming this Sam, much appreciated.

[Joanna Connolly Solicitors]

( I want to make sure I do this correctly ) When I send the CCA letters off, do I send these by recorded delivery or do I just need proof of posting from the P.O? Thank you!

If you send them by Royal Mail Recorded Delivery you will be able to see when they are signed for on their website Track and Trace screen which you can print and save as evidence if ever needed.

Di

[The Tech Clerk]

always "Signed For" = name change (ex recorded delivery) as I have experienced lately and more than once proof of posting is not proof of delivery, a signature is decisive, ask the FOS who kept stating to me in the last 5 months that they never got a complaint bundle, even when I showed name date time an employee signed for it, they did then state your bundle received ummm no sorry just that they got it!

[Joanna Connolly]

We do not normally recommend sending the S.78 CCA request by recorded delivery because it is rare that these are signed for. If you send by recorded delivery and there is no signature then the creditor can say they didn't receive it . If the S.78 CCA request is sent by 1st class post then it is deemed served under court rules - whether they receive it or not. Always obtain a certificate of posting (which is free) as that is your evidence that you sent it.

[Joanna Connolly Solicitors]

Hello Di,

This was on my account record from Payplan. I can see that that the creditor was Vanquis in 2010 and then in 2011 it changes to Intrum UK with a different account number then a week or so later the original vanquis account number is referenced again.. When I look at the payment history, the payments appear to be being made to Vanquis, not Intrum. I have asked Payplan to let me know the account numbers to which my payments are made, but they are unable to give me this information.

That could be interesting and could have an impact on any future assignment issues.

Why not send a SAR to Payplan to see exactly who was being paid and when for all your debt. It might also show log notes from your creditors. It’s amazing how something in the notes which looks insignificant can be dynamite if things ever go legal.

Di

[Floss2020]

We do not normally recommend sending the S.78 CCA request by recorded delivery because it is rare that these are signed for. If you send by recorded delivery and there is no signature then the creditor can say they didn't receive it . If the S.78 CCA request is sent by 1st class post then it is deemed served under court rules - whether they receive it or not. Always obtain a certificate of posting (which is free) as that is your evidence that you sent it.

Thank you for this information. I will make sure I instruct my helper ( I am in isolation) to get the certificate of posting.

[Floss2020]

That could be interesting and could have an impact on any future assignment issues.

Why not send a SAR to Payplan to see exactly who was being paid and when for all your debt. It might also show log notes from your creditors. It’s amazing how something in the notes which looks insignificant can be dynamite if things ever go legal.

Di

Thank you Di,

I will look at the template letters and get a SAR over to Payplan as soon as I can. Brilliant advice

[Joanna Connolly Solicitors]

Thank you Di,

I will look at the template letters and get a SAR over to Payplan as soon as I can. Brilliant advice

You’re welcome

Di

[Floss2020]

Hello ? I have another random question.. due to self quarantine, I have been having an admin nightmare... Does it matter if my CCA letters and POs have a different date? I have all of the info together and realised that the date on the letter is last week. Thank you ?

[Joanna Connolly Solicitors]

Does it matter if my CCA letters and POs have a different date? I have all of the info together and realised that the date on the letter is last week.

I don’t see a huge problem, but why can't/don’t you date your CCA Requests the same date as the postal orders, assuming you’re using the AAD forum template which is a Word document?

Di