linnite's diary

[nightwatch]

Re: linnite's diary

Hi linnite, welcome to AAD,

why not join us in the Statute Bar later for a virtual drink and an off topic chat x

[Grassy_K]

Re: linnite's diary

Congratulations on starting out linnite, some of your debts and creditors are similar to mine. There will be highs and undoubtedly lows, good luck on your journey

[Never-In-Doubt]

Re: linnite's diary

Main thread (post 1 edited) --> http://forums.all-about-debt.co.uk/s...e-things-(DMP)

[Never-In-Doubt]

Re: linnite's diary

Well done on starting your diary linnite

Get cca requests sent off to all of them. To be able to access the cca request (and other) templates you'll need to register with the main website

You'll need a different cca request for the overdraft...send the first letter in this thread

A word of caution. Just because a debt is pre 2007 doesn't make it automatically UE but they usually are. We'll cross that bridge if/when we come to it.

When you receive the ccas back, read this this first and then upload the cca using this form

Brilliant post. Can you please copy this and add it to the UE help page that we refer to - even if it means editing my original post.

Brilliant. Thanks Pixie

[PlanB]

Re: linnite's diary

why not join us in the Statute Bar later for a virtual drink and an off topic chat x

You'll find us here http://forums.all-about-debt.co.uk/s...l=1#post420632

IF and Deepie provide good hearty and healthy breakfasts but the rest of us prefer a drop of the hard stuff after dark (if not before) http://forums.all-about-debt.co.uk/s...l=1#post420408

[Never-In-Doubt]

Re: linnite's diary

AAD website access authorised. Login when ready

[linnite]

Re: linnite's diary

Just remembered: the Egg (Barclaycard) debt is in my wife's maiden name - this might explain why it's not showing on the CRA files - but then again they have the association to the previous surname on there so it should have piped through shouldn't it?

So:

When the missus writes the CCA request does she write in her married name and tell them the account is in her old name, or write in her old name, or some other approach?

Is there any advantage in them not knowing her new name, for example? They know where we live.

Many thanks

[Never-In-Doubt]

Re: linnite's diary

Just send one using her real name. See their response for now

[IF]

Re: linnite's diary

Hi, just checking if all is OK?

Best wishes
IF

[linnite]

Hi,

A real blast from the past....clearly I didn't do anything with all this at the time, just been doing a bit of digging around these last couple of days. I hope you might be prepared to give a bit of further advice. Can't believe this was nearly 4 years ago! I will edit my list of creditors above in a moment.

Instead of doing the UE 3 1/2 years ago, we arranged a massively lower DMP payment. A few months ago we went it alone and left StepChange, but I am really fed up and bored of these ancient debts. Given we remain rubbish with money we have some newer, but smaller and easier, current financial difficulites to solve, so we just don't need this old stuff in our headspace. We have just stopped all payments for a couple of months, some creditors have been straight in touch, some I have had no correspondence from for about 9 months, since we parted company with StepChange.

A few general points and questions if anyone has any time to spare...

All my creditors will have signatures from correspondence about 9 months ago, so that ship has sailed. How much of a blow is this likely to be? Is a signature usually the key thing they are missing?

I feel like I can almost tell which creditors are secure in their position and which aren't. Some letters say if we don't pay they will make lots of calls and letters - if they were secure, surely they would threaten legal action?

I was wondering...can you tell at all how likely it is to be UE based on who it was sold to? It seems logical to me, though I realise I might be wrong. Do some debts where the bank know it is UE get sold to specific debt purchasers for pennies? and then does it being sold to that debt purchaser give a clue that it is UE?

We've got debt sales to Link Financial x2, Idem x3, Hoist x2, Lowell x1.

Under the circumstances I will really appreciate some forgiveness that I never took the good advice last time, and some new help!

-linnite

[linnite]

Different from 2014 is we now have some decent equity in our home, but with a poor credit record again though, borrowing against our home for any decent sort of interest rate isn't an option.

It does probably mean we could organise to avoid CCJ as an outcome if we miscalculate though. Our last actual default was 3 years ago but we have current arrears including mortgage, all with arrangements to pay in place.

[Roger]

Its not clear from your entries whether you ever sent CCA S.78 on all or any of these Debts.
If you did perhaps you could update your Diary to show whether Niddy said these were UE or not.

Do you have the filed paper work for your Debts or Not?
Have you Paid PPI on any of these?

[linnite]

Hi Roger, no, as we were able to pay significantly less on the DMP following a review, we took that and we didn't send any CCA letters. The only PPI we ever had was Picture (claimed successfully) and Vanquis (a complaint is in but there is an auto payout coming up too).

Not sure what you mean by filed paperwork, I possibly have some original agreements somewhere, in some cases?

Thanks

[Roger]

Hi Roger, no, as we were able to pay significantly less on the DMP following a review, we took that and we didn't send any CCA letters. The only PPI we ever had was Picture (claimed successfully) and Vanquis (a complaint is in but there is an auto payout coming up too).
Not sure what you mean by filed paperwork, I possibly have some original agreements somewhere, in some cases?
Thanks

There are many reasons for UE not just the CCA ,
Statutary Notices from Creditors which are required by CCA 1974
Notices of Assignments
etc..
This is the paper work that I am referring plus hopefully the envelopes they were sent in (dated on date of receipt)
Including Correspondence to and from DCA's

By sending £1 and the CCA S 78 to the Current Owners of these Debts you could have perhaps saved thousands of pounds.
My advice would be to do this straight away (whilst this S.78 is outstanding you cannot be sued.)

As things are at the moment you could be sued for the Full Outstanding Value of these Debts even if in payment plans.

[linnite]

Thanks again Roger, yes I think I have a decent set of those notices, but no dated envelopes.

Sticking with the DMP at a reduced payment rate was a low risk lower cost option at the time, but you are right if I have been paying against unenforceable debts all this time it was money down the toilet. It's almost like you are suggesting that fighting is the low risk option - because these companies might turn nasty anyway, is that your view?