Start of Diary Edited - Wife

[Strepsi]

As advised at the outset (unfortunately I think I overlooked the advice). I am going to keep the diary separate, one for my wife and one for myself.

This should be more manageable to navigate, as diaries are now split and they do not include any debts that have been successfully fought by Jo Connolly and her team. Or they have been written off by DCA.

I am thinking that this exercise could be quite cathartic!

[Joanna Connolly Solicitors]

As advised at the outset (unfortunately I think I overlooked the advice). I am going to keep the diary separate, one for my wife and one for myself.

This should be more manageable to navigate, as diaries are now split and they do not include any debts that have been successfully fought by Jo Connolly and her team. Or they have been written off by DCA.

I look forward to following your (or rather your wife's) new thread, although I may have had a sneak preview of some of her debts

Di

[Strepsi]

I look forward to following your (or rather your wife's) new thread, although I may have had a sneak preview of some of her debts

Di

Worried now...

[Joanna Connolly Solicitors]

Worried now...

No need to be worried - I'm good at keeping secrets

Di

[Strepsi]

Just update with regards successes, at the moment my wife:

Barclays…4600 - Fought by Jo Connolly
Next… 4000 - Fought by Jo Connolly
Creation 5470 - DCA unable to locate Credit Agreement (Dated 2013)

[Strepsi]

10 October 2020, 15:39
Originally posted by Strepsi View Post
Type of Account: B of S Current Account
Date Commenced: ? Prior 2006
Approx Balance: £2000
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): HFUKH3L

As post above I have never CCA'd this current account. This is my first post regarding this debt, so no need to search through previous 42 pages...

This debt has been chased by Moorcroft, Wescott and CSL. In 2017 it was passed to Robinson Way by Halifax to act on their behalf.

I have had no contact with any of them.

Last week received Notice of Assignment from both Halifax (B Of S) and Hoist Finance UK Holdings 3 Ltd. As of yet no demand for payment, however they did include a nice a 15% discount offer.
I am aware that this account still hasn't had a history created, my plan is to do so in the coming week.

Anyway, as mentioned I have never CCA'd this account, I guess now would be the correct time to do so. Just received following letter...

"Your account remains unpaid despite attempts to contact you.

We have assessed your account and established that it meets our initial criteria to be considered for legal action...if you do not contact us within 10 days your account maybe transferred to Howard Cohen & Co"

They have given me until the 17th to contact them.


Letter sent to both HC and Co and Hoist as advised.

Updated 19th January
Letter received from Hoist(with Postal Order returned in line with GDPR);
Thank you for your recent contact...your account will remain on hold until the documents have been provided...

[Strepsi]

12 October 2020, 10:08
Originally posted by Diana Mayhew View Post
Type of account Ikea
Date commenced 2012
Approx balance 2000
Status Defaulted not sure of date
Account owner Cabot UK Ltd

I've only just seen this post - sorry I overlooked it.

Just to clarify, it was you who felt morally obliged to pay Ikea for the kitchen loan not me, especially when there are potential issues with the actual lender who appears not to be UK based

You may take a different moral approach now that the debt is owned by Cabot Financial (UK) Ltd who are not authorised by the FCA to issue legal proceedings.

It now becomes a legal argument not a moral argument.

Are you still paying?

Di
*Updating diary

Received a letter from Cabot UK in September advising of impending visit from Resolve call, responded to this by sending a CCA request direct to Cabot UK and not Ikea (Ikano BanK).

Letter received last week.

"Thank you for your request for information under sections 77-79 of the CCA 1974. Unfortunately we do not have the relevant information on file, so we will requesting a copy...this they make some time but will write to you within 12 days with an update"


19 December 2020, 10:49
Originally posted by Strepsi View Post

*Updating diary

Received a letter from Cabot UK in September advising of impending visit from Resolve call, responded to this by sending a CCA request direct to Cabot UK and not Ikea (Ikano BanK).

Letter received last week.

"Thank you for your request for information under sections 77-79 of the CCA 1974. Unfortunately we do not have the relevant information on file, so we will requesting a copy...this they make some time but will write to you within 12 days with an update"
**Updating...
Received further letter
"We haven't been able to obtain the information you requested from the original lender. If this information becomes available to us later, we'll complete your request and send you the relevant information.
Until we can supply this, your account is unenforceable. This means...."

[Strepsi]

4 March 2020, 13:03
[QUOTE=Strepsi;n1532950]
18th January 2020, 15:46
I think this post (below) is the history of your wife's Tesco credit card which is what Lowell Solicitors have written to you about just now (correct me if I'm wrong).

Can you explain what you mean when you said the credit agreement Tesco sent you for your wife's account was "signed" by you. I've highlighted those bits in red.




Originally posted by Strepsi View Post
4th January 2019, 11:24
Originally posted by Strepsi View Post
Originally posted by Strepsi View Post
19th July 2018, 12:58

Originally posted by Strepsi View Post
8th December 2017, 22:11
Originally posted by Strepsi View Post
Type of Account: Tesco CC - Wife
Date Commenced: 26/10/2013
Approx Balance: £4300
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Moorcroft

5/5/2017 Reply to CCA Request

We acknowledge receipt of your letter requesting a copy of your credit agreement.

However, in line with our client's that we are obliged to follow and in order to ensure that your data remains protected, all credit agreement requests must be hand signed...we would ask that you hand sign the request and resend.
Catch up...

It has now been passed on to Robinson Way, CCA'd last week, information received this morning. Going to send received information to Niddy.

**Going to let Niddy take a look, but would it be strange to see a bit of my information (where I 'signed') within my wife's agreements?**

Cheers

Hi

I'm a bit confused. You say in post #284 - (you are not including full history in your updates, it will be helpful if you would) - that you CCA'd RobWay and received something which Niddy says is enforceable. Now you have a letter from Robway forwarding your request to their client.
Sorry won't let me add to post from my phone.

"Anyway had reply from Niddy saying above is enforceable. Copied his reply...

**The Credit agreement for my wife, didn't have her signed agreement it contained mine.**

This is where Niddy refers to "Nope, can't see one.

"Nope. Can’t see one.

Anyway if it’s 2013 then you cannot utilise s.127(3-6) so it’s enforceable.

You’d be depending on default / termination / harassment issues if they issued a claim.

Niddy"

How do I fight this, not sure what Niddy is refering to"

Was what you received per post #284 in response to your recent CCA request to Robway, or from something earlier? Also it's not usual for a DCA to request documents from their client and at the same time ask for repayment proposals within 30 days.


#284 Confused - where did I say I wasn't including full history?

I think what may have happened is Tesco supplied the agreement quicker than Robinson Way provided their correspondence. (The most recent one).

With regards Moorcroft request, this was my first attempt at Cca they were wanting a signature.

Does that make sense?

So the 30 days?



Tesco Card Letter Dated May 2018
We refer to your Tesco cc which was held at most recent address...we have decided to transfer (sometimes called assign) all of our rights in connection with your account to another company. Lowell portfolio I ltd has appointed Lowell financial ltd to manage to your account on their behalf.

Lowell Portfolio I Same date May 2018
We are Lowell portfolio I, a specialist debt purchaser...this letter is intended is to give you formal notice that your outstanding account with Tesco cc was sold and assigned to Lowell portfolio I on the (same date as letter from Tesco)

July 2018Lowell
We are yet to agree repayment plan...

July 2018 Lowell
We have to still agree a repayment on Tesco cc
Assessing your account for legal action...if you do not contact us we'll rely on information available to us, such as the information on your credit file, to understand your financial situation. This will help us decide whether to take legal action to recover this debt.


Last edited by Strepsi; 19th July 2018, 14:31.



29th July
Dear Mrs...

Having assessed our options, we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.

What legal action means...

We'd prefer to work with you...

Please call us by !/08/2018.

Best course of action, can I assume SWID?

3rd August 2018

I have sent swid letter today, panicking as going on holiday for two weeks, next week. Hopefully the correct action to take.



Letter received mid December

From Lowell

"Dear Mrs

We are writing with regards to your previous request for documentation under sections 77-79 of the CCA which we received in August 2018.

Tesco Bank CC have advised us that they have sent these documents directly to you and therefore this fulfil obligations under the CCA 1974.

If you have not received these, please let us know.

Otherwise, we would now like to discuss your proposals to repay this debt...

We will cease any collection activity for a period of 30 days to receive your response"


12th December

Letter received from Lowell

:NEXT STEP ASSESSMENT
'Your former Tesco Card remain unpaid. Before we take any further action, we'd like to offer you a 40% discount.'

Niddy believes that this is enforceable, however that I have received from Tesco is vague at the least. I am not considering accepting the offer.

Lowell are now the account holder, see bold above there reply to SWID. With my limited knowledge should they still not have sent me information. I was wondering should I send a SAR/GDPR.

The letters are getting more frequent now.





Update #622

This morning received an LBC from Lowell Solicitors, 30 days to reply from letter date.

I have re-sent the SAR direct to TESCO at the beginning of the week.

In regards Di's highlighted text in red, from previous CCA. The agreement we received was a combination of mine and hers, her agreement was signed with my information.

Lowell have also said that they won't send CCA information that they 'may' have, as Tesco have previously provided it. I would have thought as they now own this debt they would be required to do this (but what do I know).
updated

Letter from Northampton, spoke with Di earlier. Like been wrapped in a comfort blanket!!


Updated:
This has been in court for the majority of last year, as yet not sure what is happening with it.

[Strepsi]

July 2017, 12:46
Type of Account: MBNA (Virgin) CC
Date Commenced: 6/9/2005
Approx Balance: ££3216
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Virgin Money - Arrow/Capquest

6/6/2017 Virgin Money

Your account is moving to Arrow... your account has been transferred from Virgin Money to Arrow Global. This happened on the 30/5/2015...

22/6/2017 CAPQUEST
Please find attached copy of agreement from our client as requested (ONLY TOOK THEM OVER A YEAR TO FIND IT)

I have been informed via Niddy that this is UE owing to its age or some issue with MBNA/Virgin

[Strepsi]

Balance £4300
Defaulted: Date not sure.
Royal Bank of Scotland

A mysterious one this one....

I know that it has been CCA'd.

As received this letter dated October 2016.

Thank you for your letter received on the September 2016. I can confirm and advise the following.
1. Apex Credit is an agency collecting on behalf of our client, RBS, who remaining the creditor of the above account.
2. Your request for information under the CCA 1974 is required to be made directly to the client.

Further to the above, please find the enclosed £1.00 Postal Order.

Unfortunately back in 2015/16 I was a bit of an Ostrich and lots of debt stuff got 'filed'. So don't have any other information than this. Only had the one letter relating to chasing this debt.

[Strepsi]

Type of Account: HP - Car Loan
Date Commenced: 2014
Approx Balance: 900
Date last paid: 2017
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date):
Account Owner (DCA or Lender): HFUKH1L ex Barclays Partner Finance.

We returned the vehicle before the end of the agreement. I seem to remember returning it within the correct timescale. We have been sent a few statements regarding wear and tare amongst others. Find this quite complex.

The account was sold from Barclays Partner Finance to HFUKH1L in September 2019. Further letter stating that HFUK Ltd have been appointed by HFUKH1L to manage the account.

[Strepsi]

Type of Account: Loan (Settee DFS)
Date Commenced: 2014
Approx Balance: 900
Date last paid: 2018
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date):
Account Owner (DCA or Lender): HFUKH1L ex Barclays Partner Finance.

We were paying £1 token payments for a number of years.

NOA April 2017
Clydesdale Financial Services trading as Barclays Partner Finance has assigned...to Hoist Portfolio Holdings Ltd.

NOA Dated September 2018

We are writing to inform you that HPH has assigned ... to HFUKH1L.

The assignment has taken place as part of restructure.

[Joanna Connolly Solicitors]

Just update with regards successes, at the moment my wife:

Barclays…4600 - Fought by Jo Connolly

Next… 4000 - Fought by Jo Connolly

We're always happy to help

Di

[Strepsi]

10 October 2020, 15:39
Originally posted by Strepsi View Post
Type of Account: B of S Current Account
Date Commenced: ? Prior 2006
Approx Balance: £2000
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): HFUKH3L

As post above I have never CCA'd this current account. This is my first post regarding this debt, so no need to search through previous 42 pages...

This debt has been chased by Moorcroft, Wescott and CSL. In 2017 it was passed to Robinson Way by Halifax to act on their behalf.

I have had no contact with any of them.

Last week received Notice of Assignment from both Halifax (B Of S) and Hoist Finance UK Holdings 3 Ltd. As of yet no demand for payment, however they did include a nice a 15% discount offer.
I am aware that this account still hasn't had a history created, my plan is to do so in the coming week.

Anyway, as mentioned I have never CCA'd this account, I guess now would be the correct time to do so. Just received following letter...

"Your account remains unpaid despite attempts to contact you.

We have assessed your account and established that it meets our initial criteria to be considered for legal action...if you do not contact us within 10 days your account maybe transferred to Howard Cohen & Co"

They have given me until the 17th to contact them.


Letter sent to both HC and Co and Hoist as advised.

Updated 19th January
Letter received from Hoist(with Postal Order returned in line with GDPR);
Thank you for your recent contact...your account will remain on hold until the documents have been provided...

Updated

Letter received from Hoist
"Please note we have not received a response from original creditor. This is to let you know that we are continuing to seek an update and we will let you know the response as soon as we can. Action on your account has been temporarily stopped while we await a resolution."

[Strepsi]

Updated

Letter received from Hoist
"Please note we have not received a response from original creditor. This is to let you know that we are continuing to seek an update and we will let you know the response as soon as we can. Action on your account has been temporarily stopped while we await a resolution."

Updated

Just received from Hoist with regards CCA request, an envelope full of statements, no other information.

Also a letter enclosed advising that account remains on hold, still waiting further information.