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  • Diana Mayhew
    replied
    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



    Leave a comment:


  • ca71
    replied
    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.

    Leave a comment:


  • nightwatch
    replied
    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.

    Leave a comment:


  • ca71
    replied
    Originally posted by The Tech Clerk View Post
    hello hold fire on CCA further input may be asked first!
    Will do.

    Leave a comment:


  • The Tech Clerk
    replied
    hello hold fire on CCA further input may be asked first!

    Leave a comment:


  • ca71
    replied
    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.

    Leave a comment:


  • nightwatch
    replied
    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


    ???

    Leave a comment:


  • ca71
    replied
    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.

    Leave a comment:


  • ca71
    replied
    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.

    Leave a comment:


  • ca71
    replied
    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.

    Leave a comment:


  • ca71
    started a topic My Diary

    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.
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