AJ's UE Diary

[Ostrich]

Type of account – Barclaycard Credit Card (2)
Date commenced - 2005
Approx balance - £7,300
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
Jan'21 - PRA write to advise various repayment options
Feb '21 - As above
May '22 - Account on hold for 30 days due to DSAR request for other PRA account
May ‘22 - Email to say account is no longer on hold and they look forward to finding a resolution. Next day, another email saying “further to our conversation” (never spoken to them, ever) that the account is being put on hold for 14 days…. Bizarre
Jul '22 - 10% discount available... ignored
Aug '22 - Same letter... 10% discount available. Hoping for 100%, thanks.
Sep ‘22 - 20% discount… filed
October’22 - 20% discount… filed
November ‘22- Account passed to litigation team. If we don’t hear from you by December … etc
Jan'23 - If I do not contact by Feb, they may issue proceedings... Filed.


Can't find a letter advising that they bought this debt, at the moment - Will go through file again and amend if found.

Just received an email inferring LBC has been sent, which stacks up with their timeline . Once received, I intend to contact JCS to see what they think!

[Sparkles]

Great news. It's good to hear about these companies can be challenged.

[stuckinarut]

This week I have had confirmation that this claim has been discontinued! Thanks to Colin G Quinn and the team at Joanna Connolly Solicitors and everyone that has helped on this forum!

Superb well done you,and all at JCS

[ca71]

This week I have had confirmation that this claim has been discontinued! Thanks to Colin G Quinn and the team at Joanna Connolly Solicitors and everyone that has helped on this forum!

If my maths is right, then that is 1 down; 6 to go!

[ca71]

This week I have had confirmation that this claim has been discontinued! Thanks to Colin G Quinn and the team at Joanna Connolly Solicitors and everyone that has helped on this forum!

Christmas has come early!

[Ostrich]

Type of account – Lloyds Credit Card
Date commenced - 2017
Approx balance - £4,000
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - L1nk.
May '21 Default notice
Aug '21 - LC Asset2 letter advising Llodys have assigned my account to them
Jan '21 - Letter from L1nk - Statement of account
Feb '22 - L1nk - Please get in touch letter. Ignored
Mar ‘22 - Letter from Link telling me to arrange payment plan or they WILL pass to solicitors, who MAY issue proceedings. Filed
April ‘22 - Letter of Claim received.
May '22 - Missed calls from L1nk and Solicitors... expecting post soon...
May ‘22 - CC Claim form received - JCS on the case.
Nov' 22 - Claim discontinued!!!

This week I have had confirmation that this claim has been discontinued! Thanks to Colin G Quinn and the team at Joanna Connolly Solicitors and everyone that has helped on this forum!

[The Tech Clerk]

I guess that comes with the December letter.

with a nice cash present?

[Ostrich]

I guess that comes with the December letter.

[The Tech Clerk]

Yes.

Not a Xmas Card attached????

[Still Waving]

Yes.

[Ostrich]

Type of account – Barclaycard Credit Card (2)
Date commenced - 2005
Approx balance - £7,300
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
Jan'21 - PRA write to advise various repayment options
Feb '21 - As above
May '22 - Account on hold for 30 days due to DSAR request for other PRA account
May ‘22 - Email to say account is no longer on hold and they look forward to finding a resolution. Next day, another email saying “further to our conversation” (never spoken to them, ever) that the account is being put on hold for 14 days…. Bizarre
Jul '22 - 10% discount available... ignored
Aug '22 - Same letter... 10% discount available. Hoping for 100%, thanks.
Sep ‘22 - 20% discount… filed
October’22 - 20% discount… filed

November ‘22- Account passed to litigation team. If we don’t hear from you by December … .

Fun email received today from PRA. Assuming this is a case of ignore and wait for the next threatogram?

Surprised they’ve taken so long to do this as the other account they own they moved pretty swiftly (not yet resolved, but hopefully have some news soonish).

[Ostrich]

Hi all. Haven't updated for a while, but no real news to speak of since the 3 separate letters of claim. All being handled by JCS, but no definitive outcomes on any yet.

One thing I have changed is that I have blocked the numbers of DCA's from my phone and that has made a huge difference! I go days without thinking about it, which seems to help when I have to actually deal with a letter!

If you haven't already, do it!

[Colin G Quinn]

Just to add that the most recent letter breaches the FCA's consumer credit sourcebook (guidance and rules to 'creditors') and that the alleged 'statements' attached to the actual letter of claim are not statements at all. That alone brings unenforceability in.

If you have the original agreement send it to me before we speak.

[Ostrich]

Thanks Colin. No, I haven’t received court papers yet.

I will call you tomorrow afternoon.

[Colin G Quinn]

The most recent letter is not a letter of Claim. It is a letter to advise a Claim has been issued.

Have you received the court papers yet? Their letter does not say when it was issued. Although the letter is dated 3 days ago so I assume it was issued then.

Do you want to give me a call tomorrow? Any time after midday would be good for me.

Nothing to panic about or which we can't resolve.