The Start of my journey..Floss2020

[Floss2020]

I think the Lloyds ones will be interesting.. this was all done in branch ( if I remember correctly) and the branch closed a year or so ago.. I wonder if they kept their records from that long ago? Only time will tell

[Floss2020]

Originally posted by Floss2020 View Post
Debt 1:

Capital one:

Type of account - Credit card
Date commenced - 2005
Approx balance - 170
Date last paid - Nov 2020
Defaulted 2010
Are you on arrangement or not paying - still paying
Status - defaulted 2010
Account owner Capital one
Original creditor Capital one

This appears to still be with Capital one. No full payment made since 2010
CCA Request sent 27.11.20 with a certificate of postage .
CCA received will scan it in and send to Niddy for checking
Niddy says this is Enforceable

[Floss2020]

PRA Group Ltd:

Type of account - Credit Card
Date commenced - 2008 or 2009 - Maybe later
Approx balance - 1400
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 PRA
Original creditor Barclaycard

Last full payment made in 2010

Barclays Bank PLC to 2015
2015 PRA Group

27.11.20 CCA request sent with certificate of posting[/QUOTE]
10.12 - Letter from PRA . Returned PO. Requested information, account on hold and collections ceased until further notice.
22.12.20 - Statement received with a cover letter stating that they are awaiting further documents. Deemed currently unenforceable, please be aware that the debt has not been written off etc. If we find this information in the future, we will forward it on.

[Joanna Connolly Solicitors]

10.12 - Letter from PRA . Returned PO. Requested information, account on hold and collections ceased until further notice.

Which debt is this for?

Di

EDIT: you've now added the info to your post above

[Floss2020]

Debt 3:

Moorcroft Group PLC:

Type of account - Personal Loan
Date commenced - 2008 or 2009
Approx balance - 3300
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 Intrum
Original creditor Lloyds

Lloyds Bank 2010- 2015 ( I think Moorcroft were collecting on their behalf?)
Intrum UK Previously 1st Credit took over in 2019 ( this looks to be still managed by Moorcroft?)

27.11.20 CCA request sent with certificate of posting[/QUOTE]
10.12.20 . Letter from Moorcroft .Requested information from their client (Intrum) Stressed that they are not looking to enforce the agreement, only ensuring payment is made to the debt.
14.01.21 Letter received from Moorcroft. They have been advised that I am no longer receiving assistance on my DMP Please contact us to discuss my account - Filed

[Floss2020]

Which debt is this for?

Di

Type of account - Credit Card
Date commenced - 2008 or 2009 - Maybe later
Approx balance - 1400
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 PRA
Original creditor Barclaycard

This one Di Am I logging this incorrectly..

[Floss2020]

Originally posted by Floss2020 View Post
Debt 4:

Moorcroft Group PLC

Type of account - Bank Overdraft
Date commenced - 2008 or 2009
Approx balance - 1200
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 Intrum UK
Original creditor Lloyds

2010-2018 Llloyds/Moorcroft
2019 - Intrum UK Previously 1st Credit/Moorcroft.
27.11.20 CCA request sent with certificate of posting
10.12.20 Letter from Moorcroft. requested information from their client. Stresses that they are not looking to enforce only asking payment is made .

[Joanna Connolly Solicitors]

Type of account - Credit Card
Date commenced - 2008 or 2009 - Maybe later
Approx balance - 1400
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 Barclaycard

This one Di Am I logging this incorrectly..

No you're doing just fine (I sound like a midwife )

But where it says "Account owner" at the bottom you should put PRA not Barclaycard because PRA are the current owner. Maybe add the "Original creditor" to the top of each debt post.

I think you may have been given a different format to follow but it's easily put right.

Di

[Floss2020]

I think I have corrected them all now.. Thank you for the advice Di

[Joanna Connolly Solicitors]

Originally posted by Floss2020 View Post
Debt 4:

Moorcroft Group PLC

Type of account - Bank Overdraft
Date commenced - 2008 or 2009
Approx balance - 1200
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 Intrum UK
Original creditor Lloyds

2010-2018 Llloyds/Moorcroft
2019 - Intrum UK Previously 1st Credit/Moorcroft.
27.11.20 CCA request sent with certificate of posting
10.12.20 Letter from Moorcroft. requested information from their client. Stresses that they are not looking to enforce only asking payment is made .

That's an interesting comment from Moorcroft (not looking to enforce just asking nicely).

Perhaps they'll pass the account back to Intrum if no payments are being made so there's nothing gained by them holding on to it.

Maybe they're aware that their client is not authorised by the FCA so shouldn't issue legal proceedings, although they could try.

Jo explains this legal issue here >

Intrum UK Finance Limited is not authorised by the Financial Conduct Authority to exercise the rights of a lender. They rely on the para 55 FSMA 2000 servicing exemption.

We look forward to using the same legal arguments in the future against Intrum UK Finance Limited which we used against Idem Capital Securities Limited in the recent successful FCA authorisation Appeal where the Circuit Judge found that the para 55 FSMA 2000 servicing exemption did not allow the unauthorised debt purchaser to issue proceedings in the county court.

Intrum also have issues with their assignment process and documentation.

Di

[Floss2020]

Thank you so much for the chat Di! I feel reassured now and I am ready to act as and when needed, weirdly I am looking forward to gaining back control. You are brilliant, I honestly cant thank you enough

[Joanna Connolly Solicitors]

Thank you so much for the chat Di!

I feel reassured now and I am ready to act as and when needed, weirdly I am looking forward to gaining back control. You are brilliant, I honestly cant thank you enough

I’m looking forward to you gaining back control too.

Solidarity

Di

[Night Monkey]

...weirdly I am looking forward to gaining back control.

I know what you mean. Nowadays I'm disappointed when I don't get letters from alleged creditors, which is a 180° turnaround from a few years ago

[Floss2020]

Its odd how your mindset changes! I am looking forward to filling up my new filing system. I have never been so organized... Bring it on

[Floss2020]

Paragon Personal Finance Ltd :

Type of account - Store HP ( I think)
Date commenced - 2008 or 2009
Approx balance - 190
Date last paid - November 2020
Are you on arrangement or not paying - still paying
Status - defaulted years ago no longer on credit file
Account owner I Think this was Currys /HFC Bank

Last full payment would have been in 2010

2010 - HFC /Hoist Finance
2012 - Paragon Personal Finance [/QUOTE]

27.11.20 CCA request sent with certificate of posting
14.12 - Letter from Idem Servicing . Thank you for your request. Unable to supply the agreement at present and cannot be enforced. Contacted original lenderetc...Debt still outstanding and they will contact me. Statement enclosed PO returned - Filed