Debt Diary 2020

[adam92]

Never-In-Doubt Can you help?

Already managed to speak to him about it happening a few months ago. Nothing I can do. Thanks tho

[Warwick65]

Never-In-Doubt Can you help?

[Warwick65]

Sadly defaults are something we all have to live with when we stop paying. AP markers also damage your credit file . It will drop off 6 years from the date it was applied.

I am 100% sure about defaults but maybe ask Niddy

[adam92]

Do you mean AG have taken the vet reporting the default or placed a second default on your file. Look at the default date - they can take over reporting but shouldn’t report a new one.

It was never defaulted by the original creditor so there is no previous date. This is the first time. Apologies for confusing things.

[Warwick65]

Do you mean AG have taken the vet reporting the default or placed a second default on your file. Look at the default date - they can take over reporting but shouldn’t report a new one.

[adam92]

Type: CC
Date Commenced: 2014
Default: Never & since sold on.
Balance: £1300
Last Paid: July 20
Status: Awaiting CCA
Owner: Sold to Arrow/NCO (Vanquis)

(Each month a statement is received from Arrow Global since 2019)

Dec 2015 - Over limit paid £1.00-
Jan 2016 - Missed payment of £130
Feb 2016 - Over limit continued.
Mar 2016 - ATP Set up
Mar 2019 - Removed from CRA files
July 2019 - Account Sold to Arrows (managed by NCO Europe) not on any files.
July 2020 - CCA Request Sent to NCO Europe stopped making payments from this point onwards.
Aug 2020 - Confirmation of request sent to me
Feb 2021 - Notice of Default/Termination? (Di notes this isn't a compliant notice)
Apr 2021 - Monthly Account Statement showing arrears
May 2021 - Letter confirming termination of agreement
May 2021 - Default applied

AG have slapped a default on my file and begun reporting. The address is incorrect mind, even more frustrating considering they contact me at the right address.

[adam92]

Did they write to you saying they could not comply with your CCA request because they could not match you up with an account (or something similar). Am I also correct in thinking this is a career development loan that was underwritten by the Government? I ask because it might make a difference as to how you handle it.

That's the one

They stated the address/signature didn't match their records (I did actually have to update my signature in branch, the lady said it was such a tiny difference it shouldn't of even mattered)

The letter from Sep/Oct 2020 states "once the records have been updated please resubmit your request with a valid letter of authority" and returned the postal order.

So I've not done anything with this yet (bar updated my address/sig records)

[Warwick65]

Did they write to you saying they could not comply with your CCA request because they could not match you up with an account (or something similar). Am I also correct in thinking this is a career development loan that was underwritten by the Government? I ask because it might make a difference as to how you handle it.

[The Tech Clerk]

CCA request not cancelled ( a few companies do not want the £1) keep that letter safe on return of the £1 (did you keep copy of CCA request if so attach that letter to it)., if they have not sent the CCA then no court action can be taken until/if they do.

Barclays like other Banks ask you to into Branch for identity purposes.

[adam92]

Hello,

Type: CDL Loan
Date Commenced: 2012
Default: 2013?
Balance: 8000
Last Paid: May 2020
Status: Awaiting CCA
Owner: Barclays (original)

Aug - Request Sent
Oct - Letter Received Stating They Didn't Recognise My Details (despite me adding former addresses and new address onto the letter, and having also received a SAR for the account in August) Asked me to go to a branch
Nov - I sent a reply letter stating they'd already sent my SAR and have my new address. Checked address with Barclays on phone. Correct.

.[/COLOR]

So to update this as i believe my prior CCA was cancelled as they sent back the £1 and had the address issues in October 2020.

I was still noticing this address wasn't updated on my credit reports so I rang Barclays. They told me they could see the updated address but for whatever reason it wasn't on all my accounts, and I'd have to go into branch (I have a old current account with them too, which has about £1 in).

So I've been in May 2021 and now my address is fully updated. I'm assuming this will now be updated with all their departments as a result.

So I've not been receiving any communications around the CDL loan as these I'm guessing were still going to my old address. Should I send a new CCA now that I've updated the records, or wait for the first letter to come to this address?

I'm thinking of not poking the bear really, but without knowing of any correspondence for years now around the account I'm a bit out of the loop with it and stopped paying last summer.

[PlanB]

Oops won’t do that again.

Letter from Arrow basically stating confirmation that an agreement between “(Vanquis now Arrow Gobal.. and me) has automatically ended and they’ve applied a default on my file.

And to get in touch with NCO (who still haven’t heard from since the CCA request last August) and if an agreement can’t be made (calling the amount in full) they’ll look for other options like a debt collection agency.

It’s fine - I wasn’t telling you off, I’m just watching your back to help you not to make things worse for yourself

I don’t know the full details of your debt but I think the account should have been defaulted (following a compliant Default Notice) and terminated prior to it being assigned/sold to a debt purchaser.

You say Arrow has not complied with your CCA Request from last August (2020) so if that’s the case the debt ought to be unenforceable regardless of any other potential statutory breaches.

Di

[adam92]

Oops won’t do that again.

Letter from Arrow basically stating confirmation that an agreement between “(Vanquis now Arrow Gobal.. and me) has automatically ended and they’ve applied a default on my file.

And to get in touch with NCO (who still haven’t heard from since the CCA request last August) and if an agreement can’t be made (calling the amount in full) they’ll look for other options like a debt collection agency.

[PlanB]

Received the attached today just to update

It's best not to upload documents on the forum because some debt purchasers or their solicitors read threads and could use the information against you.

I've removed that letter just to be safe since relevant dates were visible.

When you receive correspondence simply post who sent you the letter, and what it said briefly.

Di

[adam92]

Received the attached today just to update

[adam92]

Was there a credit agreement amongst them, or just masses of statements and reconstituted Ts & Cs?

Di

Hi Di

Will update the first post with the info:

Idem sent me a note acknowledging my request for CCA (Overdraft) and they couldn't enforce at the moment as they don't have it, but have requested it and included a account statement.

(Recorded and signed for)

Lowell have sent me what appears to be a compliant CCA but I'm sending to Niddy now to check via email. Also includes OC pages and pages of statements.
(Again it was a recorded and signed for envelope)