Hello,
I hope to be doing this correct, I have a lot of debts, most of my report now but still eating away I think this is everything you require. I think I'm doing the right things so far..
Type: Overdraft
Date Commenced: 2008
Default: 2016
Balance: £1010
Last Paid: Feb 2019
Status: ??
Owner: Sold to PRA (old Natwest)
Type: CC
Date Commenced: 2008
Default: 2012
Balance: £1458
Last Paid: Feb 2019
Status: Awaiting CCA
Owner: Sold to Intrum (old Aqua)
June 2020 - CCA Request Sent
July 2020 - Confirmation of request sent to me
Dec 2020 - Update that they are awaiting CCA
2021
Jan 2021 - Query Letter Sent from Intrum
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 (Di notes this isn't a compliant notice)
Type: CC Capital 1
Date Commenced: 2009
Default: Unsure
Balance: £400
Last Paid: 2019
Status: Awaiting CCA
Owner: Sold to Lowell
July 2020 - CCA Request Sent (No proof sadly)
July/Aug - Soft Searches Made on Credit File
Nov-Dec - Letters sent to previous address despite Lowell sending letters to current address before.
2021
Jan - Letters sent to previous address "Next Step Assessment" offering 40% discount offer.
Feb - CCA Request sent again (proof of postage collected).
Feb - CCA Request confirmed
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.
Type: PDL's
Date Commenced: Aug-Dec 2015
Default: March 2016
Balance: 967 (multiple together)
Last Paid: 2015..
Status: Sent CCA for one. Unenforceable.
Owner: Sold to MMF (lending stream)
April 2019 - Lantern chase 1 debt for £60
Oct 2019 - CCA Sent
Oct 2019 - Received a general terms/conditions agreement - no personal details or anything to state it was mine.
Oct 2019 - They then sent a letter taking over 5 other LS loans and merging them into one account for payment.
2020
June 2020 - Multiple calls to telephone received, ignored.
**New Entry
Type: OD
Date Commenced: August 2008
Default: May 2013
Balance: £780?
Last Paid: Jun/July 20
Status: Unknown
Owner: Sold to Idem via Halifax.
2020
Jun/July - Last payment sent.
2021
Jan 21- Letter from Idem to previous address about outstanding balance to discuss payment plan
I hope to be doing this correct, I have a lot of debts, most of my report now but still eating away I think this is everything you require. I think I'm doing the right things so far..
Type: Overdraft
Date Commenced: 2008
Default: 2016
Balance: £1010
Last Paid: Feb 2019
Status: ??
Owner: Sold to PRA (old Natwest)
Type: CC
Date Commenced: 2008
Default: 2012
Balance: £1458
Last Paid: Feb 2019
Status: Awaiting CCA
Owner: Sold to Intrum (old Aqua)
June 2020 - CCA Request Sent
July 2020 - Confirmation of request sent to me
Dec 2020 - Update that they are awaiting CCA
2021
Jan 2021 - Query Letter Sent from Intrum
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 (Di notes this isn't a compliant notice)
Type: CC Capital 1
Date Commenced: 2009
Default: Unsure
Balance: £400
Last Paid: 2019
Status: Awaiting CCA
Owner: Sold to Lowell
July 2020 - CCA Request Sent (No proof sadly)
July/Aug - Soft Searches Made on Credit File
Nov-Dec - Letters sent to previous address despite Lowell sending letters to current address before.
2021
Jan - Letters sent to previous address "Next Step Assessment" offering 40% discount offer.
Feb - CCA Request sent again (proof of postage collected).
Feb - CCA Request confirmed
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.
Type: PDL's
Date Commenced: Aug-Dec 2015
Default: March 2016
Balance: 967 (multiple together)
Last Paid: 2015..
Status: Sent CCA for one. Unenforceable.
Owner: Sold to MMF (lending stream)
April 2019 - Lantern chase 1 debt for £60
Oct 2019 - CCA Sent
Oct 2019 - Received a general terms/conditions agreement - no personal details or anything to state it was mine.
Oct 2019 - They then sent a letter taking over 5 other LS loans and merging them into one account for payment.
2020
June 2020 - Multiple calls to telephone received, ignored.
**New Entry
Type: OD
Date Commenced: August 2008
Default: May 2013
Balance: £780?
Last Paid: Jun/July 20
Status: Unknown
Owner: Sold to Idem via Halifax.
2020
Jun/July - Last payment sent.
2021
Jan 21- Letter from Idem to previous address about outstanding balance to discuss payment plan
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