Announcement

IF · 19 December 2012, 00:03

Re: dwj2112's UE Diary

Hi Dewi and welcome, please could you read the post below from Never-in-Doubt what to do next. The more information the better for Niddy.

Best wishes on your UE journey
IF…x

To help me, to help you, please provide the following information for each account:

Type of account (credit card/loan)
Date commenced (ideally before Apr 2007)
Approx balance
Date last paid (approximate date you last made a FULL payment)
Are you on arrangement or not paying
Status (default/in arrears/up-to-date)
Account owner (who is writing to you, a DCA or the lender)

Providing the above information, for each account helps me. Then, when you start the process lay your diary out in a format like this example

---> Example of perfect layout

All you have to do is read down, you'll see Pixie has placed each account in its own post with updates in colour under each so when she updates these, it is easier for me to spot any changes and advise accordingly.

**dwj2112** · 19 December 2012, 00:05

Re: dwj2112's UE Diary

DEBT 1
Type of account Bank of Scotland Loan
Date commenced 10/01/2008
Approx balance £4,530
Date last paid Still paying
Arrangement £20.00 per month
Status In arrears
Account owner Bank of Scotland - Bank of Scotland Retail Recoveries

21/01/13 Payment Plan of £20 a month agreed
11/07/13 Letter from Bank of Scotland with Shortfall Notice.
10/09/13 Letter from Blair, Oliver and Scott saying my payment plan is due for review.
26/11/13 Letter from Bank of Scotland informing me that the DCA are changing their name to Bank of Scotland Retail Recoveries (£20 monthly payment still in place).
12/01/14 CCA Request sent to Blair, Oliver and Scott.
25/11/15 I won't post individual letter entries here as I'm paying £20 a month towards this debt. I get sent statements, Notices of Arrears and every 4 months or so, I get a letter from the Bank of Scotland telling me it's important I contact them to review my payment arrangement. I never do, and there's never any follow up, and I continue to pay £20 a month as I have since the beginning of 2013.

**ken100464** · 19 December 2012, 00:10

Re: dwj2112's UE Diary

Welcome too Dewi.

You will find this is a good home to come to.

If anyone can really help you it will be here I am sure.

**dwj2112** · 19 December 2012, 00:10

Re: dwj2112's UE Diary

DEBT 2
Type of account Moorgate Loan (formerly MBNA)
Date commenced 14/02/2006
Approx balance £2,428.95
Date last paid August 2012
Status Defaulted
Account owner Moorgate (was MBNA-transferred years before I got into arrears - now with Robinson Way).

08/06/13 CCA request sent to Moorgate Loan Servicing in response to several phone calls.
25/07/13 Letter recieved from Arden Credit Management (after several letters and phone calls from Moorgate) asking for full payment.
25/09/13 CCA recieved from Moorgate.
09/13 - 11/13 conitinuous letters and phone calls from Arden and no acknowledgement of my letter.
16/10/13 Missing Prescribed Terms Letter Sent to Arden Credit Management
21/10/13 "Final Demand" Letter received from Arden.
05/11/13 Letter received from Arden transferring my debt to Resolvecall.
11/11/13 Called Arden and told them that the Agreement they sent me was illegible as print is so small - they said they would send me a better copy (never arrived).
20/11/13 Letter received from Resolvecall urging me to contact Arden.
11/12/13 Niddy takes a look at the CCA and deems it enforceable. Agree to offer 10% of the debt as final settlement.
22/12/13 Full and Final Settlement Offer sent to Arden.
13/01/14 Letter received from Arden rejecting my offer.
14/03/14 Letter received from Arden saying they are instructing Mackenzie Hall to manage the debt.
01/04/14 Letter received from Mackenzie Hall asking me to contact them.
29/04/14 Reminder received from Mackenzie Hall.
20/05/14 Reduced settlement offer received from Mackenzie Hall.
10/06/14 Letter received from Mackenzie Hall urging me to contact them.
05/09/14 Letter received from Arden saying that debt is now going to be passed to Robinson Way.
25/09/14 Statement received from Moorgate.
16/10/14 Letter received from Robinson Way saying they will be in touch again.
15/11/14 Letter received from Robinson Way asking me to contact them.
25/09/15 Statement received from Moorgate.

**dwj2112** · 19 December 2012, 00:12

Re: dwj2112's UE Diary

DEBT 3:HBOS 1
Type of account Bank of Scotland Credit Card
Date commenced 25/02/2004
Approx balance £13,200 (balance now £14,224)
Date last paid August 2012
Status Defaulted
Account owner Bank of Scotland (now with Cabot Financial).

24/12/12 Letter recieved from Albion Collections asking for full payment.
07/01/13 Letter recieved from Albion Collections asking for full payment.
16/01/13 Letter recieved from Albion Collections asking for full payment.
28/01/13 Letter recieved from Albion Collections asking for full payment.
30/01/13 CCA request sent to Albion Collections.
13/02/13 Reply received from Bank of Scotland enclosing reconstituted agreement and original signed application form.
18/02/13 Niddy takes a look at the agreement and it is enforceable.
09/04/13 Notice of Pending Legal Action received from HL Solicitors.
12/04/13 Missing Prescribed Terms Letter Sent to Apex Credit Management
28/04/13 Response received from Apex Credit Management requesting £1.00 to comply with my request.
05/05/13 Missing Prescribed Terms Letter resent to Apex Credit Management along with £1.00 fee.
08/05/13 Response received from Apex Credit Management placing my account on hold pending further enquiries.
28/10/13 Letter from Bank of Scotland stating they have transferred my account over to Akinika.
31/10/13 Standard letter from Akinika asking me to contact them.
21/11/13 Letter from Akinika offering a "substantial" reduction if I settle within 72 hours.
03/12/13 Letter from Akinika threatening legal action if they don't receive payment within 10 days.
22/12/13 Harassment by Telephone Letter Sent to Akinika.
24/12/13 Letter from Wright Hassall solicitors saying they might have to take legal action to recover the debt.
21/01/14 Letter from Akinika saying they might be able to reduce the debt if I contact them.
27/01/14 Letter from Akinika advising me that a Doorstep Collector will be calling on me.
28/01/14 Further letter from Akinika received saying they might be able to reduce my debt.
06/06/14 Letter from Bank of Scotland saying they are now passing the debt over to Wescot.
17/06/14 Letter from Westcot saying I need to contact them urgently.
22/06/14 Letter from Westcot saying further action will be taken and I have been referred to a visit by a Door Step Collection Agency.
04/09/14 Statement received from Bank of Scotland.
07/07/15 Letter received from Cabot Credit Management Group saying that they bought the debt on 17th June 2015.
03/09/15 Letter received from Cabot Financial saying they would like to help me take positive steps to repaying the debt.
17/09/15 Reminder received from Cabot Financial.
01/10/15 Letter from Cabot Financial saying they are now considering legal action,
06/10/15 Letter received from Cabot Financial saying they will accept £5689.20 (a third of the debt) in settlement.
19/11/15 Letter received from Shoosmiths Solicitors saying they will commence court proceedings if they don't here from me in 14 days.
23/11/15 CCA request sent to Cabot and a copy to Shoosmiths.
01/02/17 Reply received from Shoosmiths enclosing CCA and asking me to contact them with details of Income and Expenditure.
14/06/17 Citation hand delivered by Sheriff Officers on behalf of MFS Portfolio Limited
06/07/17 Lodged a Notice to Defend at Sheriff Court
11/07/17Letter received from Sheriff Court with time table of case.
19/07/17 Instructed Flexlaw Solicitors to Defend the action.
20/07/17 Missed the deadline for Lodging Defences.
21/07/17 Solicitor filed a motion for Late Defence.

**dwj2112** · 19 December 2012, 00:14

Re: dwj2112's UE Diary

DEBT 4:HBOS 2
Type of account Halifax Credit Card (formerly through Amazon)
Date commenced 18/09/2006
Approx balance £8300 (now £9046.99)
Date last paid August 2012
Status Defaulted
Account owner Halifax (now with 1st Credit)

24/12/12 Letter recieved from Albion Collections asking for full payment.
07/01/13 Letter recieved from Albion Collections asking for full payment.
16/01/13 Letter recieved from Albion Collections asking for full payment.
28/01/13 Letter recieved from Albion Collections asking for full payment.
10/02/13 CCA request sent to Albion Collections.
17/02/13 Reply received from Halifax enclosing reconstituted agreement and original signed application form.
12/04/13 Niddy deems as Enforceable and Missing Prescribed Terms Letter Sent to iQor Recovery Services
18/04/13 Letter received from GPB Solicitors threatening legal action.
21/05/13 Letter received from GPB Solicitors threatening legal action.
26/05/13 Threat-o-Gram Letter before Action sent to GPB Solicitors.
08/06/13 Letter received from GPB Solicitors stating they will be in touch following further client instructions.
26/06/13 Letter received from Akinika (formerly iQor) threatening doorstep collection.
16/08/13 Letter received from Halifax stating they are transferring the debt to CapQuest.
19/08/13 Letter received from CapQuest asking me to contact them.
26/08/13 Called CapQuest and informed them that my agreement was in dispute and told I had to resend CCA request (with the fee) to them - letter sent.
11/09/13 Letter received from CapQuest saying account on hold.
18/09/13 Another copy of CCA received from Halifax.
08/11/13 Letter received from CapQuest stating account is still on hold.
29/11/13 Letter received from CapQuest (with Credit Card Statements enclosed) stating the I should have now received CCA request.
22/12/13 Missing Prescribed Terms Letter Sent to CapQuest.
22/12/13 Harassment by Telephone Letter Sent to CapQuest.
23/12/13 Letter received from HBOS saying Wescot are now dealing with the debt.
09/01/14 Letter received from CapQuest saying they are no longer handling the debt.
05/12/14 Letter received from HBOS saying 1st Credit are now handling the debt.
05/12/14 Letter received from 1st Credit saying they are handling the debt.
19/12/14 Letter from 1st Credit asking me to contact them.
29/12/14 Letter from 1st Credit saying I can pay over a period of time.
08/01/15 Letter from 1st Credit asking me if I am experiencing financial difficulties.
19/01/15 Letter from 1st Credit asking me to contact them.
28/01/15 Letter from 1st Credit urging me to engage with them.
09/02/15 Letter from 1st Credit offering to write off 25% of the debt if I pay the remainder over 60 months,
09/06/15 Letter from 1st Credit offering a "Special Low Discount Opportunity" of 50% if I pay now.
06/07/15 Statement received from 1st Credit.
08/09/15 Letter from 1st Credit offering me a 65% discount and warning me of potential escalation in collections activity.

**dwj2112** · 19 December 2012, 00:16

Re: dwj2112's UE Diary

DEBT 5:HBOS 3
Type of account Halifax Credit Card (formerly Intelligent Finance)
Date commenced 07/03/2007
Approx balance £4,700 (balance now £4939.57)
Date last paid August 2012
Status Defaulted
Account owner Halifax (now with 1st Credit)

24/12/12 Letter recieved from Albion Collections asking for full payment.
07/01/13 Letter recieved from Albion Collections asking for full payment.
16/01/13 Letter recieved from Albion Collections asking for full payment.
28/01/13 Letter recieved from Albion Collections asking for full payment.
30/01/13 CCA request sent to Albion Collections.
13/02/13 Reply received from Halifax enclosing reconstituted agreement and original signed application form.
12/04/13 Missing Prescribed Terms Letter Sent to Wescot Credit Services
20/04/13 Response received from Wescot Credit Services stating they will put my account on hold while they investigate further.
30/09/13 Last of several letters from Wescot thanking me for my patience while the account is on hold.
01/11/13 Letter from Halifax saying they are passing the account over to Akinika,
06/11/13 Standard letter from Akinika asking me to contact them.
13/11/13 Standard letter from Akinika asking me to contact them.
21/11/13 Letter from Akinika offering me a discount to settle my balance.
06/12/13 Letter from Akinika threatening legal action if they don't receive payment within 10 days.
22/12/13 Harassment by Telephone Letter Sent to Akinika.
24/12/13 Letter received from Wright Hassall Solicitors advising that they may issue a CCJ against me.
28/01/14 Letter from Akinika threatening a d Doorstep visit.
04/06/14 Letter received from HBOS saying that Firstsource Solutions are now handling the debt.
04/06/14 Letter received from Firstsource Solutions saying they are now handling the delinquent debt.
04/09/14 Statement received from HBOS.
05/12/14 Letter received from HBOS saying 1st Credit are now handling the debt.
05/12/14 Letter received from 1st Credit saying they are handling the debt.
19/12/14 Letter from 1st Credit asking me to contact them.
29/12/14 Letter from 1st Credit saying I can pay over a period of time.
08/01/15 Letter from 1st Credit asking me if I am experiencing financial difficulties.
19/01/15 Letter from 1st Credit asking me to contact them.
28/01/15 Letter from 1st Credit urging me to engage with them.
09/02/15 Letter from 1st Credit offering to write off 25% of the debt if I pay the remainder over 60 months,
09/06/15 Letter from 1st Credit offering a "Special Low Discount Opportunity" of 50% if I pay now.
08/09/15 Letter from 1st Credit offering me a 65% discount and warning me of potential escalation in collections activity.
04/11/15 Statement received from 1st Credit.

**dwj2112** · 19 December 2012, 00:21

Re: dwj2112's UE Diary

DEBT 6

Type of account Opus Credit Card (formerly Citicard)
Date commenced 17/04/2007
Approx balance £4,028.69
Date last paid August 2012
Status File Closed
Account owner Lowell Portfolio I Ltd.

03/06/13 Letter received from Lowell Portfolio I Ltd. asking for urgent contact regarding payment.
08/06/13 CCA request sent to Lowell Portfolio I Ltd.
13/06/13 Letter received from Lowell asking me to get in touch.
18/06/13 Letter received from Lowell stating they are in the process of locating my CCA.
19/06/13 Letter received from Lowell stating they are in the process of locating my CCA.
28/06/13 Letter received from Lowell stating they are trying to retrieve my CCA.
08/07/13 Letter received from Lowell stating they are still trying to retrieve my CCA.
05/08/13 Letter received from Lowell stating they can't find my CCA and are closing my file (unless the CCA comes to light at some point in the future)!
24/12/13 Letter received from Lowell stating that as "a gesture of goodwill and strictly without admission of liability" they are prepared to close the account and write-off any outstanding balance.
YIPPEE!!

**dwj2112** · 19 December 2012, 00:23

Re: dwj2112's UE Diary

DEBT 7
Type of account Barclaycard Credit Card (formerly Egg)
Date commenced 27/05/2005
Approx balance £4,950
Date last paid August 2012
Arrangement £1.00 per month
Status Defaulted
Account owner Barclaycard (Now with Robinson Way)

14/07/14 Letter received from MK Rapid Recoveries asking me to contact them.
28/07/14 Reminder received from MK Rapid Recoveries.
12/08/14 Letter received from MK Rapid Recoveries threatening further action.
01/09/14 Final Notice received from MK Rapid Recoveries.
17/09/14 Letter from MK Rapid Recoveries saying they will pass my debt to Keynes Collections.
24/09/14 Notice of Intended Legal Action received from Keynes Collections.
16/09/15 Statement received from MKDP LLP.
12/10/15 Letter received from Hoist Portfolio holding 2 Limited saying they now own the debt.
12/10/15 Letter received from Robinson Way saying they are acting on behalf of Hoist Portfolio.
26/10/15 Letter received from Robinson Way asking me to contact them.
11/11/15 Reminder received from Robinson Way.

**dwj2112** · 19 December 2012, 00:24

Re: dwj2112's UE Diary

DEBT 8
Type of account MBNA Credit Card
Date commenced 30/07/2004
Approx balance £9,987.18
Date last paid August 2012
Status Dismissed (Decree Absolvitor)
Account owner Now with Aktiv Kapital

08/03/13 Letter received from MBNA confirming credit agreement has been terminated.
11/04/13 Letter received from MBNA confirming that ownership of debt transferred to Aktiv Kapital.
01/05/13 Letter receeved from Aktiv Capital asking for contact or payment.
05/05/13 CCA Request Sent to Aktiv Capital.
08/05/13 Letter received from Aktiv Capital stating account is now on hold.
05/06/13 CCA received from Aktiv Capital.
08/06/13 Letter received from Aktiv Capital stating account is still on hold!!
05/07/13 Niddy tells me CCA is Unenforceable
08/07/13 Letter received from Aktiv Capital stating account is still on hold!!
18/07/13 Letter received from Aktiv Capital enclosing several years of credit card statements and request for payment.
16/10/13 Missing Prescribed Terms Letter sent to Aktiv.
22/01/14 Letter received from Aktiv Capital stating they are still awaiting information from MBNA to resolve my query.
22/04/14 Letter received from Aktiv Capital asking me when I left my previous address.
22/08/14 Letter received from Aktiv Capital enclosing a list of all my credit card transactions saying that this should resolve my query.
08/12/14 Letter received from PRA group informing me that Aktiv Capital have now changed their name to PRA.
18/12/14 Letter received from PRA group saying they are pleased that they were able to talk to me (they didn't) about my finances and now requesting payment.
12/01/15 Letter received from PRA group offering a 25% discount to settle my account.
16/01/15 Letter received from PRA group saying my account has now been assigned to them!!!
13/02/15 Another letter received offering the 25% discount.
11/03/15 Letter received from PRA group saying I need to contact them to prevent them moving to the next stage.
23/04/15 Letter received from Brodies Solicitors saying I must contact them within 14 days to avoid further action.
11/08/15 Citation received from the Sheriff Court.
31/08/15 Notice to Defend lodged by my Solicitor with the court.
06/11/15 PRA group have dropped the action provided I pay legal costs. Solicitor has gone back to them asking them to cover legal costs too.
16/11/15 Received and accepted PRA's offer to contribute £960 towards costs.

**Never-In-Doubt** · 19 December 2012, 01:07

Re: dwj2112's UE Diary