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

[JLC]

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

Virgin MBNA

• Type of account Credit Card
• Date commenced (ideally before Apr 2007) Feb 07
• Approx balance £1859.47 (I have paid £1396.38)
• 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) Moorgate

CCA's on 1st Feb to DCA and PPI to MBNA on same date. No response yet.

22/2/16 - response from Moorgate dated 19/2/16. Lots of crappy paperwork. Looking at it, I don't think its enforceable (not sure I should say why on here), but have uploaded it to get it checked in the private area.
23/2/16 - Niddy confirms irredeemably as all MBNA Virgin cards pre 04/07 are. Just snuck in with this one! Sit tight and wait for next letter then use missing PT's letter.

14/3/16 letter dated 9/3/16 received from Moorgate (pretty much the same as Saturdays ones)

There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:

a) Your account being placed with our internal Recoveries Department, or

b) Your account being placed with an external debt collection agency for recovery activity.

We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah

the letter goes on, but its just a load of crap

4/5/16 - letter received from Moorgate dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah

Update - letter received from moorgate

[JLC]

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

Marks & Spencer Card (started off as a chargecard)

• Type of account Credit Card/charge card
• Date commenced (ideally before Apr 2007) 8th April 1998
• Approx balance £4138.01 (I have paid £3115)
• 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 anymore sin 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) Idem Servicing

8/2/16 - received a letter telling me they are looking at my complaint for PPI (from M&S)
8/2/16 - received a letter from Idem telling me they were looking to get my CCA and I should hear from them in 12 working days from the date of the letter (4th Feb, although they signed for it on the 2nd Feb)

22/2/16 - received a letter from Idem servicing dated 19th Feb which refers to my HSBC account but includes my application form for a store card from M&S. Account ref refers to M&S.

22/2/16 - another letter received same day different envelope referencing M&S account stating that they are unable to supply a copy of the credit agreement and acknowledge that until they do the agreement cannot be enforced. However, the balance of the account is still outstanding and we will continue to persue this debt which will include registering any arrears and defaults with the CRAs. The balance on your account is £4077.80 remains due and payable and we will continue to contact you to discuss your repayment proposals. You are free to take whatever action you consider appropriate, but we will not be releasing you from any obligation under the agreement. Yours sincerely Ian Folley Case Handler/Conciliator

23/2/16 - Niddy confirms . Sit tight and wait for next letter then use missing PT's letter

12/3/16 - letter received from Idem Servicing:

There is currently no agreed payment arrangement in place for your account. Unless we are able to rectify this within the next seven days, your account will be reviewed for further action, which could result in either:

a) Your account being placed with our internal Recoveries Department, or

b) Your account being placed with an external debt collection agency for recovery activity.

We want to work with you to secure a long term, mutually acceptable payment arrangement, therefore please contact our office on blah blah blah

the letter goes on, but its just a load of crap

14/5/16 - letter received from Idem servicing dated 11 May 2016.
We recently wrote to you to advise that your account is being managed within our recoveries department and that it was important for you to make contact with our office. As yet we still have not been able to speak with you to discuss your circumstances and establish an ongoing arrangement for your account. This matter is now urgent. Please contact our office on 0800375797 and our experienced staff will be happy to discuss this with you. Blah blah blah

update - letter received from idem.

[JLC]

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 Conditions.

22/4/16 - statement received from barclaycard. £45.60 interest and £12 'other charge' added.

11/5/16 - default notice received from barclaycard dated 5 May 2016.

Finally received a default notice from Barclaycard, even though I haven't been paying the contracted payments since March 2011.

[JLC]

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.

21/4/16 - Letter received from Fredrickon dated 18th April 2016.

"Capital One (Europe) plc have instructed us to contact you regarding the above account and all communications should now be with us. We would like to work with you to clear the outstanding balance. Please contact us to discuss your account and financial position so we can help you agree and affordable payment plan. You can get in touch with one of our team members on .......... For your convenience we offer a variety of payment methods. Full details are set out on the reverse of this letter. You can also access your account online at www.fredpay.com to make payment, see answers to FAQ's and send and received secure messages. It is important that you contact us as soon as possible to avoid further letters and phone calls regarding your account."

29/4/16 - statement of activity dated 25/4/16 received from Capital one.

30/4/16 - letter dated 28th April 16 received from Fredrickson
we write in response to your recent communication and note the content. We apologise for the phone calls made to you previously and confirm all numbers have been removed from our system and all future correspondence will be in writing where appropriate. We are sorry for any distress, confusion or inconvienience this may have caused you as this was not our intention. We have referred this matter to our client and we will revert to you in due course.

3/5/16 - letter from Fredrickson dated 29th April 16 received. Exactly the same as the one above!

I think Fredrickson's have lost the plot. I received the same letter twice, both dated a day apart.

[MrsD]

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

just file it and wait and see what happens next

[JLC]

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.

21/4/16 - Letter received from Fredrickon dated 18th April 2016.

"Capital One (Europe) plc have instructed us to contact you regarding the above account and all communications should now be with us. We would like to work with you to clear the outstanding balance. Please contact us to discuss your account and financial position so we can help you agree and affordable payment plan. You can get in touch with one of our team members on .......... For your convenience we offer a variety of payment methods. Full details are set out on the reverse of this letter. You can also access your account online at www.fredpay.com to make payment, see answers to FAQ's and send and received secure messages. It is important that you contact us as soon as possible to avoid further letters and phone calls regarding your account."

29/4/16 - statement of activity dated 25/4/16 received from Capital one.

30/4/16 - letter dated 28th April 16 received from Fredrickson
we write in response to your recent communication and note the content. We apologise for the phone calls made to you previously and confirm all numbers have been removed from our system and all future correspondence will be in writing where appropriate. We are sorry for any distress, confusion or inconvienience this may have caused you as this was not our intention. We have referred this matter to our client and we will revert to you in due course.

letter received from Fredrickson

[JLC]

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

Last week I sent an SAR to my old DMP company. Despite only giving them my address on the letter (I never give a phone number), they rang me to ask if everything was OK or if I had any problems with the service. I just told them I wanted everything they had in relation to me and my account including translation from phone calls including when I set the account up. He then followed up with an email. They must have got my contact details from my account. Why can't they just do what you ask them to do!

[JLC]

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 Conditions.

22/4/16 - statement received from barclaycard. £45.60 interest and £12 'other charge' added.

barclaycard have started adding interest and charges on again.

[nightwatch]

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

just wait and see what comes next, your letter will have crossed with this one.

[JLC]

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.

21/4/16 - Letter received from Fredrickon dated 18th April 2016.

"Capital One (Europe) plc have instructed us to contact you regarding the above account and all communications should now be with us. We would like to work with you to clear the outstanding balance. Please contact us to discuss your account and financial position so we can help you agree and affordable payment plan. You can get in touch with one of our team members on .......... For your convenience we offer a variety of payment methods. Full details are set out on the reverse of this letter. You can also access your account online at www.fredpay.com to make payment, see answers to FAQ's and send and received secure messages. It is important that you contact us as soon as possible to avoid further letters and phone calls regarding your account."

Letter received from Fredrickson.

[nanna58]

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

Goody xx

[nightwatch]

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

Good, chillax, just sit back and wait for what is sent next xx

[JLC]

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.

20/4/16 - letter from Robinson Way dated 14/4/16

please note we have not yet received a response from the original creditor (aww shame!)

This note is to let you know that we are continuing to seek an update and we will let you know the response as soon as we can. Action on your account has been temporarily stopped whilst we await a resolution.

Thank you for your patience.

Letter received today telling me they have no information for me.

[JLC]

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

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

The Coop actually refused to discuss my DMP with my original Debt Management Company and refused any offer of payment from me as well as the DM company. What I hope to establish is what letter the DMC sent to Coop originally.

[JLC]

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

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

Not to self: must understand the difference between PT's and T&C's