AJ's UE Diary

[Ostrich]

Type of account – Barclaycard Credit Card (1)
Date commenced - 2001
Approx balance - £7,500
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - PRA
Jul'21 - Default notice
Sep '21 - Letter to advise account purchased by PRA group - may pass to litigation dept
Dec'21 - Account passed to litigation dept
Feb '22 - Statement of account. Further letter advising this is a LBC and to respond within 30 days or may issue court proceedings
Mar '22 - Claim letter recv'd
Apr'22 - DSAR sent
Feb '23 - CLAIM DISCONTINUED!!!

[Joanna Connolly Solicitors]

Hello

There's no need to feel scared. If you can't afford to pay then you can't afford to pay.

The 'age' of the debt doesn't necessarily mean something will be enforceable as there can be so many other issues, especially if the accounts are assigned (sold) to a debt purchaser.

I'll wait until you list the debts before making my suggestions.

Di

[ca71]

Welcome Aj83!

[Ostrich]

Hi,

I've been lurking for a few weeks now, trying to read as much information as possible regarding unenforceable credit agreements. The process on the face of it seems pretty scary, but just looking at the success so many people have had has given me some confidence that this is the way! I think I'm ready to start this process!

I have approx £43k worth of unsecured debt across cc's, loan and overdrafts. None have yet defaulted (all paid until end Jan '21/early Feb). I have completely ceased contact to date, ignoring the now regular phone calls - not sure if I should send letters to advise my position (I.e.can't afford to pay anymore) at this point and to let creditors know I won't be paying for the foreseeable, or whether radio silence is the way forward.. any advice appreciated!

I know I want to self-manage this process. Majority of these debts are from the last 4-5 years, so not too hopeful on these, but a couple pre '07, so fingers-crossed there's a chance that some of these are UE.

I will post the list as soon as I can! Thanks in advance for your help.