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  • #1

    Red88's UE Diary

    Hello, I have added a link to my original post, so you can see what has brought us here.

    Original Post

    Legend:

    sent
    received
    other information



    Total Debt £18,926
    Last edited by Red88; 17 November 2015, 20:09.
    Tags: account, accounts, advice, arrangement, arrears, assets, barclaycard, barclays, capital, card, cca, credit, credit card, creditors, dca, debt, debt advice, default, default notice, direct debit, egg, ffa, finance, financial, free, help, ico, idem, isa, list, loan, mbna, money, paid, pensioner, sar, size, statements, telegraph, ue diary, world
  • #2
    Re: Red88's UE Diary

    MBNA / EGG (Unsure who the original lender is)

    • Type of account: Credit Card
    • Date commenced: 08/10/1998
    • Approx balance: £3,504
    • Date last paid (approximate date you last made a FULL payment): ~2009
    • Are you on arrangement or not paying: Currently paying on arrangement
    • Status (default/in arrears/up-to-date): Status shows up-to-date although listed as part of a DMP on CreditExpert
    • Account owner (who is writing to you, a DCA or the lender): Idem Capital Securities Ltd
    Last edited by Red88; 18 November 2015, 20:26.

    Comment

    • #3
      Re: Red88's UE Diary

      MBNA / EGG (Unsure who the original lender is)

      • Type of account: Credit Card
      • Date commenced: 10/08/2001
      • Approx balance: £2,042
      • Date last paid (approximate date you last made a FULL payment): ~2009
      • Are you on arrangement or not paying: Currently paying on arrangement
      • Status (default/in arrears/up-to-date): Status shows up-to-date although listed as part of a DMP on CreditExpert
      • Account owner (who is writing to you, a DCA or the lender): Idem Capital Securities Ltd


      Last edited by Red88; 18 November 2015, 20:28.

      Comment

      • #4
        Re: Red88's UE Diary

        MBNA / EGG (Unsure who the original lender is)


        • Type of account: Credit Card
        • Date commenced: 10/10/2001
        • Approx balance: £1,531
        • Date last paid (approximate date you last made a FULL payment): ~2009
        • Are you on arrangement or not paying: Currently paying on arrangement
        • Status (default/in arrears/up-to-date): Status shows up-to-date although listed as part of a DMP on CreditExpert
        • Account owner (who is writing to you, a DCA or the lender): Idem Capital Securities Ltd

        Last edited by Red88; 18 November 2015, 20:28.

        Comment

        • #5
          Re: Red88's UE Diary

          MBNA / EGG (Unsure who the original lender is)


          • Type of account: Credit Card
          • Date commenced: UNKNOWN - Debt Not showing up on credit report
          • Approx balance: £2,269
          • Date last paid (approximate date you last made a FULL payment): ~2009
          • Are you on arrangement or not paying: Currently paying on arrangement
          • Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
          • Account owner (who is writing to you, a DCA or the lender): Wescot Credit Services

          Last edited by Red88; 18 November 2015, 20:28.

          Comment

          • #6
            Re: Red88's UE Diary

            Barclaycard


            • Type of account: Credit Card
            • Date commenced: UNKNOWN - Debt Not showing up on credit report
            • Approx balance: £3,237
            • Date last paid (approximate date you last made a FULL payment): ~2009
            • Are you on arrangement or not paying: Currently paying on arrangement
            • Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
            • Account owner (who is writing to you, a DCA or the lender): Barclaycard


            Last edited by Red88; 16 November 2015, 21:18.

            Comment

            • #7
              Re: Red88's UE Diary

              Barclays Bank Plc


              • Type of account: Loan
              • Date commenced: 17/01/2006
              • Approx balance: £3,700
              • Date last paid (approximate date you last made a FULL payment): ~2009
              • Are you on arrangement or not paying: Currently paying on arrangement
              • Status (default/in arrears/up-to-date): Default
              • Account owner (who is writing to you, a DCA or the lender): Barclays Bank Plc

              Comment

              • #8
                Re: Red88's UE Diary

                Unsure who the original lender is, suspect Barclays Current Account Overdraft


                • Type of account: UNKNOWN - Suspect this is an overdraft
                • Date commenced: UNKNOWN - Debt Not showing up on credit report
                • Approx balance: £526
                • Date last paid (approximate date you last made a FULL payment): ~2009
                • Are you on arrangement or not paying: Currently paying on arrangement
                • Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
                • Account owner (who is writing to you, a DCA or the lender): Central Debt Collection Services


                Last edited by Red88; 18 November 2015, 20:29.

                Comment

                • #9
                  Re: Red88's UE Diary

                  Capital One


                  • Type of account: Credit Card
                  • Date commenced: UNKNOWN - Debt Not showing up on credit report
                  • Approx balance: £959
                  • Date last paid (approximate date you last made a FULL payment): ~2009
                  • Are you on arrangement or not paying: Currently paying on arrangement
                  • Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
                  • Account owner (who is writing to you, a DCA or the lender): Capital One

                  Comment

                  • #10
                    Re: Red88's UE Diary

                    Royal Bank of Scotland


                    • Type of account: Credit Card
                    • Date commenced: UNKNOWN - Debt Not showing up on credit report
                    • Approx balance: £242
                    • Date last paid (approximate date you last made a FULL payment): ~2009
                    • Are you on arrangement or not paying: Currently paying on arrangement
                    • Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
                    • Account owner (who is writing to you, a DCA or the lender): Royal Bank of Scotland

                    Comment

                    • #11
                      Re: Red88's UE Diary

                      Originally posted by Red88 View Post
                      Capital One


                      • Type of account: Credit Card
                      • Date commenced: UNKNOWN - Debt Not showing up on credit report
                      • Approx balance: £959
                      • Date last paid (approximate date you last made a FULL payment): ~2009
                      • Are you on arrangement or not paying: Currently paying on arrangement
                      • Status (default/in arrears/up-to-date): UNKNOWN - Debt Not showing up on credit report
                      • Account owner (who is writing to you, a DCA or the lender): Capital One


                      RED/Hampton/Lowell - Support Group
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #12
                        Re: Red88's UE Diary

                        Its always best not to ring or speak to creditors ever, everything in writing always good luck xx
                        if you do it today and you like it you can always do it again tomorrow

                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment

                        • #13
                          Re: Red88's UE Diary

                          good morning Red, welcome to AAD, May your journey with us be a good one, we are all here to help xxx
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #14
                            Re: Red88's UE Diary

                            the DMP providers should have records of what has happened with all of these debts

                            I would possibly SAR them to get it all

                            I would stop the direct debit or whatever they take the money with

                            Then I think I would wait for a couple of months, paying nothing and see what happens

                            then we can deal with everything from there on

                            If you've managed to log in to their portal, there must be a statement of account there, there must be a note of what they are paying to who, and there must be a notes on what they have agreed with you over the last six years. They are a disgrace and should be ashamed but they won't be cos the only thing they will be interested in is the money.

                            I wouldn't worry too much about losing your house, we won't let that happen and we can deal with this all, I have great doubts if anyone will ever think about court, I will be interested to see if anyone of them even write to you after you cancel the DMP. if they do, we'll send a prove it letter then a CCA request. Most of these are going to be so old that I doubt if the creditors will even have any paperwork.

                            Chin up just don't pay the shysters anymore money.

                            Comment

                            • #15
                              Re: Red88's UE Diary

                              4 MBNA accounts? Really?

                              Egg went to Barclays so unsure where MBNA comes into things or even where Egg comes into things.

                              -> http://www.telegraph.co.uk/finance/n...rd-assets.html
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                              Comment

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