My Journey with DMP's CCA's and PPI's

[JLC]

Re: My Journey with DMP's CCA's and PPI's

update to post #3

Letter received dated 7th April 2016

I am writing to inform you that we have instructed Fredrickson International Ltd to act on our behalf to arrange repayment of your capital one account.

Fredrickson International Ltd will be able to help you find the right solution to repay your outstanding balance.

Fredrickson International Ltd will be in contact with your shortly, however you can contact the, anytime to discuss your account.

(Fredericksons address and phone number)

All contact and payments regarding your account should now be with Frederickson International Ltd. If you have an existing Standing Order or Direct Debit you will need to cancel it and arrange payments with Frederickson International Ltd.

(is this good or bad?)

[JLC]

Re: My Journey with DMP's CCA's and PPI's

So this morning there has been two phone calls from Fredericksons. I haven't spoke to them. I could really do with some advice regarding my recent posts, especially on the Barclaycard CCA. Thanks.

[The Tech Clerk]

Re: My Journey with DMP's CCA's and PPI's

RED/Hampton/Lowell - Support Group could diary this group, read and you will get an idea of the way they operate in the past!

[JLC]

Re: My Journey with DMP's CCA's and PPI's

So should I send Fredericksons a SWID letter and a stop phoning me one?

[JLC]

Re: My Journey with DMP's CCA's and PPI's

update to post #3

14/4/16 - send SWID letter and telephone harrasment letter.

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Another phone call from Fredricksons this morning at 9.15am. Told then not to call this number again and hung up. Hopefully they will get my harassment template letter soon.

[cymruambyth]

Re: My Journey with DMP's CCA's and PPI's

It takes a few days to get through the system, but does work.

[lookingforward]

Re: My Journey with DMP's CCA's and PPI's

Yes you are correct regards defaults, one default per account. It's the SB issue I was more worried about - had there been no DMP you'd be a few grand better off and the debts would all be approaching SB (Statute of Limitation)....

I know this is an old post but for anyone reading this it is so true, I would have saved £10k and been SB years ago (also further to post #25 I'm going to have a look at what my DMP advised me )

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Had a very long conversation with Plan B about my accounts today (sorry for talking for so long). All is good and going well.

Sending a SAR request to Co-op and to Vincent Bond (my DMP) for information regarding my accounts and correspondence that Vincent Bond did between creditors.

Nothing else to report! Really appreciate you taking the time to talk to me today Plan B. I shall chill a bit more now and will wait for Advice!!

[PlanB]

Re: My Journey with DMP's CCA's and PPI's

Barclaycard

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) 2006
• Approx balance £3268.75 (I have paid £2440.78)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying - not paid since Jan 16
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Barclaycard

I haven't CCA'd Barclaycard yet. I PPI's them, but have no PPI with them.

10/2/16 - CCA request posted.

29/3/16 - CCA received, sent to Niddy to look at.

Letter received from Barclaycard dated 29/3/16. We have been trying to contact you for several months, but haven't been able to reach a suitable repayment arrangement with you. As your account it still overdue, we need to let you know what will happen if you don't make a payment or get in touch with us. It then goes on about issuing a default notice.

Spoke to Plan B today about this account and there are a few discrepancies on both the forms supplied and credit file. Still waiting for Niddy to return, but pretty much look unenforceable. Also missing PT's.

Barclaycard had misunderstood your s.78 Request to be a SAR.

What they've sent you is two CCAs. One from an account which you paid off and closed some years ago, and the other a CCA dated 2006 which comes as a pleasant surprise because you thought it was opened in 2009 (CRA file report). You now have a better chance of this debt being UE than before.

I never mentioned missing prescribed terms, what's missing are the Ts & Cs (at the moment).

Post up any letters you get from Barclaycard or anyone else before your reply to them. It will probably do the rounds of several DCAs before being sold to a debt purchaser.

Plan B x

[PlanB]

Re: My Journey with DMP's CCA's and PPI's

Originally MBNA card (Barclaycard)

• Type of account Business Credit Card
• Date commenced (ideally before Apr 2007) June 09
• Approx balance £792.41 (I have paid £595.46)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying Not paying since Jan 16
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) MKDP

I have CCA's MKDP on 1st February - yet to get a response.

29/2/16 - Letter from Robinson Way dated 24/2/16.
We have received notification from your authorised representative that you are no longer dealing with them and ask you to kindly complete the enclosed financial statement, including and offer of repayment based on your affordability.

We will place your account on hold for 30 days whilst we wait for your response. If you require help or advice, dealing with your financial difficulties, there are several organisations that offer free impartial advice.

You can also contact our trained debt specialist on 0161 743 2573 or contact us via email at contactus@robinson-way.com or via our website at www.robway.co.uk.

1/3/16 - CCA to Robinson Way

7/3/16 - response from Robinson Way noting my dispute/query. Stop all collection. Let us know if we can assist further

It's now been established that this debt has been assigned to Hoist Portfolio with Robinson Way acting as their DCA.

You sent a CCA Request to MKDP on 1st February 2016 and got no response. You didn't need to send a second CCA Request to Robinson Way on 1st March. Always check with us before you send anything to anyone.

Robinson Way's letter refers to their client as Hoist so you should have had a Notice of Assignment from Hoist. Did you?

Robinson Way's letter was their reaction to you stopping your DMP which is why they've placed the account on hold for 30 days.

Plan B x

[PlanB]

Re: My Journey with DMP's CCA's and PPI's

Paypal

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Nov 06
• Approx balance £1691.61 (I have paid £1333.07)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not paying DMP was with fee paying now with stepchange
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Arrow Global

CCA'd them on 1st Feb, nothing yet.
13/2/16 - letter from Arrow global:
Arrow global led acount xxxxxxx
ASSIGNED BY Santander (account number xxxx)

We thank you for your letter dated 12/2/16 received on 12/2/16 (my letter was dated 31st January, posted on 1st Feb) and acknowledge your request for documentation persuant to the consumer credit act 1974.

We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in obtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course.

we confirm that all collection activity will be suspended pending provision of the documents.

we return the payment of £1.00

It's now been established that this debt was sold to Arrow. Thank you for updating your diary post to reflect this. Did you receive any NOA when the account was sold?

It seems this PayPal credit card was originally provided by Santander so they will be the OC.

Arrow is currently in default of your CCA request sent on 1st Feb 2016 so don't do anything.

Plan B x

[PlanB]

Re: My Journey with DMP's CCA's and PPI's

Capital One

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Sept 2006
• Approx balance £1997.17 (I have paid £1507.17)
• Date last paid (approximate date you last made a FULL payment) last Full payment made in 2011,
• Are you on arrangement or not - not any more!
• Status (default/in arrears/up-to-date) in default since 2011
• Account owner (who is writing to you, a DCA or the lender) Capital One

Haven't CCA'd them yet. Have sent off for PPI. These are next on my list for CCA's.

10/1/16 - CCA posted
11/02/16 - PPI letter received no PPI.

11/03/16 - Scanned copy of CCA received. Will send to Niddy for viewing.

this debt is enforceable.

29/3/16. Letter received from Capital One

basically saying they hadn't received any payments from step change and have had no communication from them regarding the account. If nothing is received within 14 days of the date of this letter (letter dated 21/3/16 but received today) then they may pass on to a DCA or may choose to sell to a debt purchaser.

Letter received dated 7th April 2016

I am writing to inform you that we have instructed Fredrickson International Ltd to act on our behalf to arrange repayment of your capital one account.

Fredrickson International Ltd will be able to help you find the right solution to repay your outstanding balance.

Fredrickson International Ltd will be in contact with your shortly, however you can contact the, anytime to discuss your account.

(Fredericksons address and phone number)

All contact and payments regarding your account should now be with Frederickson International Ltd. If you have an existing Standing Order or Direct Debit you will need to cancel it and arrange payments with Frederickson International Ltd.

(is this good or bad?)

14/4/16 - send SWID letter and telephone harrasment letter.

I would have suggested that you should wait for Fredericksons to get in touch first before writing to them. You've sent them the SWID letter a bit too soon.

No real harm done but in future always ask us what to do before you do it. If you don't get a reply then bump your thread by asking again on the forum.

Plan B x

[PlanB]

Re: My Journey with DMP's CCA's and PPI's

Sending a SAR request to Co-op and to Vincent Bond (my DMP) for information regarding my accounts and correspondence that Vincent Bond did between creditors.

This is because you've already complained to the FOS about your Co-Op overdraft but didn't provide them with any evidence at the time so your complaint was not upheld.

You say the Co-Op refused to accept payments from StepChange even though they had accepted payments from your previous DMP provider. Sending the SAR(s) will clarify that for you in case you need something to prove they were not treating you fairly in the future.

Your latest letter from the Co-Op treats your latest letter to them as a complaint and says they don't uphold your complaint so you should take it to the FOS if not happy. This leaves the door open for you to make a fresh complaint but it would need to be different than your earlier complaint.

A second complaint may be rejected but it may buy you the time you need to either negotiate a repayment plan or a F & F.

I've reassured you that the worst case scenario is a "Restriction" on your home not a Charging Order as you feared since the property is in joint names with your husband.

Wait for Niddy to return to look at your OD agreement.

Plan B x

[JLC]

Re: My Journey with DMP's CCA's and PPI's

Thanks Plan B for updating. I had to pop out and collect my mum and got lost for half and hour in a town I've lived in all my life!

I think my brain has been overloaded today!