Matta1972 Unenforceability Diaries

[Matta1972]

Debt number 4

• Santendar credit card
• 4/2011
• Balance is £3000
• Last full payment years ago
• Paying a nominal amount amount after doing financial summary
• Default date 12/2015
• Wescot collect for Santendar

Asked for CCA agreement, nothing back yet

[Matta1972]

Debt number 3

• MBNA bank credit card
• 6/2007
• Balance is £9000
• Last full payment years ago
• Paying a nominal amount amount after doing financial summary
• Default date 1/2016
• PRA own this.

Asked for CCA agreement, PRA have suspended collection activity until the original lender comes up with paperwork. I have cancelled standing order for this one

[Matta1972]

Debt number 2

• Coop bank credit card
• 1/2003
• Balance is £2800
• Last full payment years ago
• Paying a nominal amount amount after doing financial summary
• Default date 10/2016
• Link own this.

Asked for CCA agreement, Link have replied saying original company can supply the agreements within the 12 days so the debt is unenforceable however the outstanding balance remains collectable and it is acceptable to register and continue reporting the default. I have not cancelled standing order , should i?

[Matta1972]

Hi been asked to set up diaries for each debt so here they are:

• Barclaycard credit card
• 10/1999
• Balance is £11000
• Last full payment years ago
• Paying a nominal amount amount after doing financial summary
• Default date 12/2015
• Link own this.

Asked for CCA agreement, Link have replied saying neither original company can supply the agreements within the 12 days so the debt is unenforceable however the outstanding balance remains collectable and it is acceptable to register and continue reporting the default. I ahve not cancelled the standing order, should I?