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

[Susiebling365]

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

Certainly good news , it looks so simple set out like that , but I know it must of been traumatic at times. but how lovely to have the shackles hacked off...

Well done...

[Jaffacake]

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

Nice result

[JLC]

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

Certainly good news , it looks so simple set out like that , but I know it must of been traumatic at times. but how lovely to have the shackles hacked off...

Well done...

the only debt I had that worried me was my co op overdraft (I also have a mortgage with them). I could have faught it, but settled with them last year. The credit cards don't seem to worry me because there is proof that they can 'go away'. I'm over the moon with this. One year in and one less to worry about!

[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.

03/6/16 - letter received from Robinson Way dated 28/5/16 basically the same as the one received on 20/4/16.

15/7/16 - another letter telling me they are still continuing a seek and update.

11/2/17 - letter today received from Hoist dated 7/2/17 saying

"we refer to the query you raised previously in relation to this account and apologise for the delay in getting back to you, we appreciate this may have been some time ago.

As we are unable to resolve your query in a satisfactory manner, we have taken the decision to write off the account and cease all collections activity with immediate effect.

We can therefore confirm that any entry on your credit file in respect of this account has been deleted. We trust this is a satisfactory resolution for you and thank you for your patience in this matter".

just double checked the account number and its this one it relates to. It's still possible that they will do the same with the other one. Still a good result though.

[Pixie]

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

Yay, great news

[greymatter]

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

Brilliant news

[JLC]

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

Not heard anything about my debts that are in here, but I got a letter from moorcroft today telling me that I owe O2 £14.66 and that I need to pay it within seven days.

The last letter I had from O2 (which I didn't keep) was in January telling me that I had a credit of £2.06p or something. Should I do anything? Surely moorcroft have already spent more than £14 on administering the debt!

[Still Waving]

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

Can't see them trying to take you to court for £14.66.

Are O2 still adding monthly charges under a contract?

[JLC]

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

No. I'm now with giff gaff. I got a letter from O2 last week and called to query it but because I no longer have any numbers with them, there isn't an account.

[nightwatch]

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

I would Just (impolitely) inform Morcomics that they have the wrong person, as you do not have an account with O2.

[nanna58]

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

Moorcroft have always been clever (not) xxxxx

[JLC]

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

It's been extremely quiet. Not had any correspondence from anyone since December 30th. Not even from Cabot! I'm not complaining - they are probably just luring me into a false sense of security!

[cymruambyth]

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

Long may your peace last!

[Susiebling365]

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

Moorcroft have always been clever (not) xxxxx

I ll second that, though I had a credit card once with Virgin and it was at 0, I kept it open just in case, Few months later I got a statement for a tenner, !!! apparently they had kept adding some administration fee, which then gained interest etc etc . ... they re all **** really can t think of a word vile enough

[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

9/6/16 - letter received from Moorgate dated 6th June 2016
We are increasingly concerned that we have not been able to speak to you about your account.

We are keen to speak to you in order to understand your situation, so that we can place you on the most appropriate payment arrangement.

Failure to make contact with us may result in the following;
1) a representative may be instructed to visit your property
2) your account may be placed with an external DCA
3) our litigation department may instigate court proceedings

Please contact us as a matter of urgency on 0800 375 796 and our experienced team will be happy to help you. blah blah blah

16/7/2016 - letter from Moorgate dated 13 July 2016

We have attempted to contact you on a number of occasions to discuss the outstanding balance on your account. Please contact us on 0800 375 797 within seven days of the date of this letter. Our office hours are (blah blah). In the event that we do not receive contact from you we will appoint and external company, fidelite credit management ltd, to visit your property. The purpose of the visit is to regain contact with you so we can discuss your current financial situation and agree and appropriate payment plan, in accordance with your ability to pay. IF you are experiencing any difficulties there are a number of organisations who can help you (blah blah).

30/7/16 - letter from Fidelite Credit Management dated 27/7/16. Account been passed to them. If I do not contact Idem, it may result in a visit. Blah Blah Blah

7/10/16 - letter from Moorgate informing me that they still haven't received my income and expenditure form.

21/10/17 - letter received from Moorgate telling me they still haven't heard from me.

31/10/16 - letter received from moorgate dated 27th October 2016.

Despite our numerous attempts to contact you we have not had a response from you or an indication of willingness from you to resolve this matter.
Further to our last correspondence we have reviewed your account and determined that further action is necessary. Therefore, we are instructing our litigation department to begin legal proceedings, to obtain a monetary judgement.
This course of action could also lead to the following enforcement options being initiated
*obtaining and attachment/arrestment of earnings order
*obtaining a charging/inhibition order against your property (where you are a homeowner)
The litigation department will be in with you in due course to advise you of the next steps. All costs incurred following the commencement of successful litigation action will be payable by you.
We can withdraw this instruction if you contact our offices within five days of the date of this letter and make satisfactory arrangements regarding your account.
Blah blah blah

12/11/16 - letter received from Moorgate dated 9/11/16
You were recently issued a letter advising that we will be instructing our litigation department to commence legal proceedings in order to obtain a monetary judgement.

upon further review of your account we have decided that this action will not be undertaken at this time, however we would encourage you to contact us to agree an ongoing solution.

10/12/16 - statement of account received.

7/12/17 - letter from Moorgate dated 4th January 2017 advising me that idem had purchased my account which they (Moorgate) had been administering on behalf of britannica recoveries acting in the name of Britannia mortlake before being sold to Cabot credit management. My account was transferred on 16th November 2016.

19/1/17 - letter from Cabot dated 13/1/17 reminding me that they had bought the debt and ask me to contact them.

5/5/17 - letter from Cabot dated 30/4/17 telling me the balance is waiting to be paid and that I need to repay the amount and that there are options to choose from. Income/expenditure form enclosed with SAE to return it!

Letter received from Cabot. I might send SWID just to keep them busy!