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  • My Diary

    Hi!

    Firstly, just like to say what a wonderful resource this place is. I am truly inspired by the success that occurs in this forum. Long may it continue!

    I'm new having lurked for a few months and am hoping to get my financial position back on track.

    I have 3 debts in total - all were defaulted on in early 2017 - as I understand it they will drop off my credit file in 2023 (paid or unpaid) - Is that right?

    Thank you all, in advance, for any and all help.
    Last edited by ca71; 16 October 2020, 06:40.

  • #2
    Debt 1 - PRA Group

    Type of account: Barclaycard Platinum Credit card

    Date commenced: October 2010
    Approx balance: £23.5k
    Date last paid in full: December 2016

    Status: Default Issued Jan 2017
    Current status: £5 per month by standing order since date of default
    Assigned: PRA Group in December 2017
    Account Owner: PRA Group

    History:
    09/05/2019 - PRA offered to settle account for 37.5% of the outstanding debt - Filed
    Last edited by ca71; 2 November 2020, 13:02.

    Comment


    • #3
      Debt 2 - Cabot (Financial) Europe Ltd

      Type of account: Natwest Credit Card

      Date commenced: September 1999
      Approx balance: £11.5k
      Date last paid in full: December 2016

      Status: Default Issued Feb 2017
      Current status: £5 per month by standing order since date of default
      Assigned: Wescot, now Cabot (Financial) Europe Ltd in Mar 2019
      Account Owner: Cabot (Financial) Europe Ltd

      History:
      01/10/2020 - CABOT offered to settle account for 30% of the outstanding debt
      Last edited by ca71; 2 November 2020, 13:02.

      Comment


      • #4
        Debt 3 - Cabot (Financial) Europe Ltd

        Type of account: Capital One Credit Card
        Date commenced: July 1999
        Approx balance: £26k
        Date last paid in full: December 2016

        Status: Default Issued Feb 2017
        Current status: £5 per month by standing order since date of default
        Assigned: Cabot (Financial) Europe Ltd in September 2019
        Account Owner: Cabot (Financial) Europe Ltd

        History:
        01/10/2020 - CABOT offered to settle account for 30% of the outstanding debt
        Last edited by ca71; 2 November 2020, 13:03.

        Comment


        • #5
          Good morning,

          Thanks for starting your diary,
          you have sent offers for F+F payments, did you send a CCA request first, to make sure they were enforceable ?
          Did you head your payment offer Without Prejudice,.
          have you not had a reply from PRA ?

          NW


          ???
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #6
            Hi NW

            Sorry I realised my words weren't clear. I didn't offer to settle the accounts - they were offered to me by PRA and Cabot - I've edited the Diary posts to make that clear.

            I've not submitted CCA's yet.

            Apologies.

            Comment


            • #7
              hello hold fire on CCA further input may be asked first!
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

              Comment


              • #8
                Originally posted by The Tech Clerk View Post
                hello hold fire on CCA further input may be asked first!
                Will do.

                Comment


                • #9
                  Thanks for your reply,

                  from that I take it all have been in contact with you for a while, but you have not replied to them.
                  are you still paying them the £5.
                  was payment agreed by DMC, or self managed?
                  as TTC says wait before sending a CCA as Di may have a few questions about PRA.
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                  Comment


                  • #10
                    Originally posted by nightwatch View Post
                    Thanks for your reply,

                    from that I take it all have been in contact with you for a while, but you have not replied to them.
                    are you still paying them the £5.
                    was payment agreed by DMC, or self managed?
                    as TTC says wait before sending a CCA as Di may have a few questions about PRA.
                    Yes, still paying each debtor £5 per month. All are being self-managed.

                    Comment


                    • #11
                      Originally posted by ca71 View Post
                      just like to say what a wonderful resource this place is. I am truly inspired by the success that occurs in this forum. Long may it continue!

                      What a nice compliment, thank you.

                      I would send a s77-79 CCA Request to each of these three debts so you know where you stand since they are high value (two of them over £20k).

                      I now know who you are (we have spoken before )

                      Di



                      Legal Disclaimer

                      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                      Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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