UE Journey

[Roger]

"..
2. I was of the opinion that sending a CCA request for a debt not sold on would be fruitless, but Di suggest to do so anyway. To be sent this week
3. 15 June 2021 - CCA request sent
.."
So they never sent you either an acknowledgement nor a CCA?
In the past we would have sent a sold whilst in dispute, because off course Lowell won't know anything about the CCA request!
Now might be the time to send a SAR to C1 to see what C1 have or don't have on record!!!
This background information could be very helpful depending on what Overdales does next!

[Timewilltell]

That’s nice!! They’ve got the solicitors involved!

[Tommy_the_cat]

Name	Capital 1
Type of Account	Credit Card
Date Commenced	June 2006
Date Defaulted	May 2019
Approx Balance	£7,000
Account Owner	Capital 1
Arrangement/Not paying	Not paying
Last Date paid	May 2021

1. Payment plan agreed with C1 and ongoing
2. I was of the opinion that sending a CCA request for a debt not sold on would be fruitless, but Di suggest to do so anyway. To be sent this week
3. 15 June 2021 - CCA request sent
4. 16 June 2021 - Email Received. It seems to be a generic email and I assume as an immediate and automated reaction to my CCA request. "An update on your account....". "Your account has defaulted, so no interest or fees are being applied. Please continue to make any payments you can afford to reduce your balance...". "Your account could be sold to a company who specialise in working with customers who've defaulted....".
5. 15 Oct 2021 - This account has been removed from Experian and Equifax reports. I'm not sure why.
6. 18 Oct 2021 - SMS received this morning from Lowell. Asking for me to contact them to set up a payment plan. No action made so far.
7. 20 Oct 2021 - Letter received from Lowell and Capital1 explaining that the account has been sold and that I should now make payments direct to Lowell. DD to C1 cancelled and no further action taken - I am waiting for Lowell's next step
8. 07 Jun 2022 - Letter received from Lowell. "Assessing you for legal action.... You haven't contacted us to set up affordable repayments on your outstanding accout... blah blah..." Seemingly nothing concrete in here. Ignored.
9. 29 Sep 2022 - Letter from Overdales Solicitors - WE have been instructed to recover the outstanding balance.... WE will initiate legal proceedings against you unless.... blah

Hello All.

Letter received this morning from Overdales Solicitors. They have been instructed by Lowell Portfolio. Ignored.

[Still Waving]

I was just flagging that a statement that says the debt is still outstanding might not be helpful to the OP when they've just been made aware that the case has been discontinued - It could be a bit of a mixed message.

ALLEGED - We're all barrack room lawyers here (apart from the real ones). No mixed message. Why would the account be marked as 'settled'?

[ca71]

Possible? ?? maybe ???? think might be????? they say???? record payments etc????? wording = we know what the posting meant!

I was just flagging that a statement that says the debt is still outstanding might not be helpful to the OP when they've just been made aware that the case has been discontinued - It could be a bit of a mixed message.

[The Tech Clerk]

Alleged debt surely.

Possible? ?? maybe ???? think might be????? they say???? record payments etc????? wording = we know what the posting meant!

[ca71]

I would doubt it. They decided not to proceed with the case, but there has been no judgment against them, and the debt is still outstanding.

Alleged debt surely.

[Still Waving]

Question: Will this balance now be marked as "settled" on my credit file?

Thanks All!

I would doubt it. They decided not to proceed with the case, but there has been no judgment against them, and the debt is still outstanding.

[Tommy_the_cat]

Name	Tesco
Type of Account	Credit Card
Date Commenced	July 2005
Date Defaulted	December 2018
Approx Balance	£8,500
Account Owner	Intrum
Arrangement/Not paying	Not paying
Last Date paid	May 2021

1. Early Feb - CCA request sent to Intrum
2. 09 Mar 21 - Response from Intrum with a stack of papers, including the credit agreement
3. Send to Niddy for review - Considers it to be unenforceable
4. 14 Jun 21 - DD cancelled
5. 24 Jun 21 - Letter received from Intrum. "Please get in touch to talk about your outstanding balance....". Ignored.
6. 16 Jul 21 - Letter received from Intrum. "We may take legal action if you don't get in touch....." Ignored
7. 26 Jul 21 - Letter received from Intrum. "We're thinking of taking you to court. We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a CCJ, which could make it harder for you to borrow money in the future. They may also add court fees of £410 and solicitors costs of £100 to your balance....... Get in touch in the next 10 days...."
8. 06 Aug 21 - Letter received from Intrum. "Would you like a discount? We want to help you pay tour debt without taking you to court..... So, if you get in touch within 10 days We'll give you a discount on the amount you owe....."
9. 13 Aug 21 - Letter received from Intrum. "We're getting ready for legal action. We're planning to hand your account over to our legal team on 19/08/21. They may apply for a CCJ to demand you repay the money by a certain date....... We'd like to help you..... If you get in touch before 19/08/21, we'll try to work out a repayment plan that helps you avoid legal action".
10. 17 Aug 21 - Letter received from Intrum. "Introducing our legal team. We're now in charge of getting a CCJ issued against you, to demand you pay the money back.... Get in touch within 10 days or we'll pass your account to our solicitors... They'll write to you explaining what you owe and giving you a last chance to pay. If you don't pay, they may apply for a CCJ.... We can still help.... Call us on.... "
11. 10 Sep 21 - Letter received from Lester Aldridge. LETTER OF CLAIM.
12. 22 Feb 22 - Letter received from Lester Aldridge. "In the event you fail to make payment of the outstanding sum with 14 days, we may be instructed by our client to issue court proceedings for £x,xxx together with a claim for court fees. If you allow court proceedings to be commenced, our client may obtain judgement against you..."
13. 09 Mar 22 - County Court Claim letter received. Email sent to Colin of JCS
14. 27 Sep 22 - Lester Aldridge/Intrum decided to discontinue (Court date was set for 07 October)

Hi Everyone.
I've not updated my file for a long time (as not much as been happening). Good news today as Intrum has discontinued proceedings against me on this case. I'm overjoyed and very grateful to Colin and all those at JCS!

Question: Will this balance now be marked as "settled" on my credit file?

Thanks All!

[Tommy_the_cat]

Name	Capital 1
Type of Account	Credit Card
Date Commenced	June 2006
Date Defaulted	May 2019
Approx Balance	£7,000
Account Owner	Capital 1
Arrangement/Not paying	Arrangement in Place
Last Date paid	May 2021

1. Payment plan agreed with C1 and ongoing
2. I was of the opinion that sending a CCA request for a debt not sold on would be fruitless, but Di suggest to do so anyway. To be sent this week
3. 15 June 2021 - CCA request sent
4. 16 June 2021 - Email Received. It seems to be a generic email and I assume as an immediate and automated reaction to my CCA request. "An update on your account....". "Your account has defaulted, so no interest or fees are being applied. Please continue to make any payments you can afford to reduce your balance...". "Your account could be sold to a company who specialise in working with customers who've defaulted....".
5. 15 Oct 2021 - This account has been removed from Experian and Equifax reports. I'm not sure why.
6. 18 Oct 2021 - SMS received this morning from Lowell. Asking for me to contact them to set up a payment plan. No action made so far.
7. 20 Oct 2021 - Letter received from Lowell and Capital1 explaining that the account has been sold and that I should now make payments direct to Lowell. DD to C1 cancelled and no further action taken - I am waiting for Lowell's next step
8. 07 Jun 2022 - Letter received from Lowell. "Assessing you for legal action.... You haven't contacted us to set up affordable repayments on your outstanding account... blah blah..." Seemingly nothing concrete in here. Ignored.

Hello Everyone. Letter received from Lowell this morning. Seems to be a standard begging letter with no real substance. Ignored

[Tommy_the_cat]

Name	Halifax
Type of Account	Credit Card
Date Commenced	January 2016
Date Defaulted	January 2019
Approx Balance	£6,500
Account Owner	Halifax/Wescot
Arrangement/Not paying	Arrangement in Place
Last Date paid	May 2021

1. Payment plan agreed with Westcot and ongoing
2. I was of the opinion that sending a CCA request for a debt not sold on would be fruitless, but Di suggest to do so anyway. To be sent this week
3. 15 June 2021 - CCA request sent
4. 21 June 2021 - Response from Wescot - "We refer to your recent communication requesting a copy of the credit agreement. This request has been noted and we will be in touch in due course. We can confirm the account has been placed on hold while we look into your request".
5. 28 June 2021 - Letter from Wescot - "....thanks for your patience....your account remains on hold....we will be in touch in due course..."
6. 06 July 2021 - CCA response from Wescot. Sent to Niddy for review.
7. 06 July 2021 - Niddy considers this to be enforceable.
8. 27 Oct 2021 - Letter received from Halifax - "As we haven't been able to agree a suitable repayment plan we've transferred your account to a debt collection agency, Credit Security Limited".
9. 31 Mar 2022 - Letter received from Credit Security - "....unless we hear from you within 10 days your account will be returned to our Client for further recovery action...."

Hi Guys... Letter received from Credit Security. Ignored.

[Tommy_the_cat]

Name	Tesco
Type of Account	Credit Card
Date Commenced	July 2005
Date Defaulted	December 2018
Approx Balance	£8,500
Account Owner	Intrum
Arrangement/Not paying	Not paying
Last Date paid	May 2021

1. Early Feb - CCA request sent to Intrum
2. 09 Mar 21 - Response from Intrum with a stack of papers, including the credit agreement
3. Send to Niddy for review - Considers it to be unenforceable
4. 14 Jun 21 - DD cancelled
5. 24 Jun 21 - Letter received from Intrum. "Please get in touch to talk about your outstanding balance....". Ignored.
6. 16 Jul 21 - Letter received from Intrum. "We may take legal action if you don't get in touch....." Ignored
7. 26 Jul 21 - Letter received from Intrum. "We're thinking of taking you to court. We don't want to. But, if you don't get in touch soon, we'll pass your account to our legal team. They'll consider applying for a CCJ, which could make it harder for you to borrow money in the future. They may also add court fees of £410 and solicitors costs of £100 to your balance....... Get in touch in the next 10 days...."
8. 06 Aug 21 - Letter received from Intrum. "Would you like a discount? We want to help you pay tour debt without taking you to court..... So, if you get in touch within 10 days We'll give you a discount on the amount you owe....."
9. 13 Aug 21 - Letter received from Intrum. "We're getting ready for legal action. We're planning to hand your account over to our legal team on 19/08/21. They may apply for a CCJ to demand you repay the money by a certain date....... We'd like to help you..... If you get in touch before 19/08/21, we'll try to work out a repayment plan that helps you avoid legal action".
10. 17 Aug 21 - Letter received from Intrum. "Introducing our legal team. We're now in charge of getting a CCJ issued against you, to demand you pay the money back.... Get in touch within 10 days or we'll pass your account to our solicitors... They'll write to you explaining what you owe and giving you a last chance to pay. If you don't pay, they may apply for a CCJ.... We can still help.... Call us on.... "
11. 10 Sep 21 - Letter received from Lester Aldridge. LETTER OF CLAIM.
12. 22 Feb 22 - Letter received from Lester Aldridge. "In the event you fail to make payment of the outstanding sum with 14 days, we may be instructed by our client to issue court proceedings for £x,xxx together with a claim for court fees. If you allow court proceedings to be commenced, our client may obtain judgement against you..."
13. 09 Mar 22 - County Court Claim letter received. Email sent to Colin of JCS

Hi everyone. Received an official County Court claim letter today. Have emailed Colin of JCS to see the options for the next move.

[Colin G Quinn]

Hi,

I'm not saying this is 100% the case with this creditor or its solicitors; however, in collections, whereby a firm is trying to collect in respect of many many hundreds and thousands of accounts, systems are often set up to place accounts in an automated process.

In other words, an individual may not have made a conscious decision to draft and post that letter to you, it may be that the system is set up to recognise no payments are being made and to therefore automatically issue periodic correspondence, either until that process is exhausted or a payment arrangement overrides the process.

As I say, I'm not saying that is definitely the case here, but I'd say its safe to assume it is highly likely. In effect its a cheap method of attempted collections as no one has to personally review a file etc.

[Tommy_the_cat]

Hi,

This not a new letter of claim. It is just a threat of a previously threatened action.

It is difficult to say from that whether there is any real intention to commence legal proceedings, or whether it is merely an attempt to entice you to pay.

That being said; it looks as though there is a second page to the letter which you haven't sent to me. If you think it makes any difference I'd be happy to look at it.

Hello Colin

Thanks for coming back to me. The second page of the letter is just the signature so no further information.

I find this letter strange considering I got a letter of claim in September. Why would they send an empty threat and not begin the litigation process?

Thanks for your support

[Colin G Quinn]

Hi,

This not a new letter of claim. It is just a threat of a previously threatened action.

It is difficult to say from that whether there is any real intention to commence legal proceedings, or whether it is merely an attempt to entice you to pay.

That being said; it looks as though there is a second page to the letter which you haven't sent to me. If you think it makes any difference I'd be happy to look at it.