AJ's UE Diary

[Colin G Quinn]

Hi,

Received. Someone should be in touch tomorrow and, if you go with us, I'll pick this up next week. Plenty of time to reply to this claim.

[Ostrich]

Type of account – Natwest Loan
Date commenced - 2019
Approx balance - £17,000
Date last paid – Feb 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - Natwest.

Dec '21 - Default notice
Monthly statements since.
Mar ‘22 - letter to say Dryd£n Ffax now looking after account
April 22 - First contact from DF. Letter of Claim received. SAR sent.
May '22 - Statment of account
Jun '22 - Letter from DF stating CC Claim has been issued. Awaiting claim form from court.

So today I have got the dreaded county court claim letter, although not from the CCC but from the Solicitors working on behalf of NWest (Dryd3n Fairf4x). I suspect the official Court Claim form will be imminent. It's been combined with the overdraft debt (also still owned by bank). They've added some hefty fees to the balance too, which is nice...

As I say, this debt hasn't been sold, so dealing with the bank is making me more concerned than about other ongoing claims. I can't seem to find other members that have been in this situation, although I'm sure there are. Any advice would be gratefully received.

Colin G Quinn Not sure whether it's worth contacting JCS until I get the papers from the court?!

[Colin G Quinn]

Hi,

Do you want to email me the letter of claim you have received? My email address is below as always.

[Colin G Quinn]

Hi,

I have received your email and will get back to you as soon as I can.

[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.

[Ostrich]

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

I will call you tomorrow afternoon.

[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]

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!

[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).

[Still Waving]

Yes.

[The Tech Clerk]

Yes.

Not a Xmas Card attached????

[Ostrich]

I guess that comes with the December letter.

[The Tech Clerk]

I guess that comes with the December letter.

with a nice cash present?

[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!

[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!