fwil's diary

[MrsD]

Re: fwil's diary

OK I'd wait and see what comes from the CCA and if you have stopped paying the rest I would also send CCAs, no harm in seeing what is what with those as well. Remember, knowledge is king in these things.

Why is one not defaulted if you have been on a DMP? How long has the DMP been running?

[fwil]

Re: fwil's diary

Thanks MrsD, have edited my first post with more detail

[MrsD]

Re: fwil's diary

welcome to AAD

nothing to say that anything post 2007 has been correctly executed.

who's credit card is it? and is it still with the original lender?

I would hold off "doing" any DMP for the moment, is it self-regulated or are you with a company or charity?

Sorry for all the questions but it helps us to have a fuller picture of what is going on.

Are you sending CCAs for all of your debts? and have they all been defaulted?

[fwil]

Updated Tesco 17/1/18

Background: My DMP of 2 years ended due to missing payments, planning to go self-regulated DMP if all debts (approx 15k) are enforceable.

• Type of account Tesco credit card
• Date commenced 6/1999
• Approx balance £4500
• Date last paid July 2012
• Are you on arrangement or not paying not paid not paid since last DMP payment in March 2015
• Status Default since December 2012
• Account owner Tesco

AUGUST 2015
- Received letter requesting immediate payment of full amount.
SEPTEMBER 2015
3rd: Sent CCA query letter
10th: Phonecalls from Tesco, voicemails left requesting contact by phone
14th: Received letter advising they may pass to DCA as no payment arranged.
15th: Received letter dated 10th requesting matching signature
21st: Received letter dated 17th advising may place with an external DCA, pay full amount immediately or arrange repayment plan
OCTOBER 2015
10th: Received letter dated 6th offering full and final settlement 20% less than balance within 10 days. or likely to be passed to DCA "may visit your home"
NOVEMBER 2015
14th: Letter from Moorcroft saying Tesco they are acting as collection agent.
25th: Letter from Moorcroft saying to contact within 7 days or they will recommend Tesco consider further action.
...
AUGUST 2016
1st: Moorcroft passed back to Tesco after Sold While in Dispute sent
15th: Tesco passed to RobWay
NOV 2016
8th: RobWay offered balance reduction
....
FEB 2017
Back with Tesco, passed to Wesco
MAR 2017
Wesco offered balance reduction
....
JAN 2018
Tesco: We have assigned to L0well. Includes intro letter from L0well asing for call to discuss.


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• Type of account Co-operative Bank / Smile Loan
• Date commenced 2008
• Approx balance £6000
• Date last paid 2013
• Are you on arrangement or not paying not paid not paid since last DMP payment in March 2015
• Status '6 months' going back 2 years!

• Account owner Co-op

SEPTEMBER 2015
3rd: Sent CCA request
11th:Received CCA, uploaded to secure thread.
16th:

OCTOBER 2015
8th: Received letter dated 5th - "We have not yet received a response, please contact us"
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