Start of my diary

[Timewilltell]

Hang on in there Strepsi, they may try to make the run in a little bit more entertaining!! But it’s only a joy ride!

[Still Waving]

Check all your paperwork, and make absolutely sure of the SB date. You don't want to fall on the run up to the line. As you have probably been told, there are various factors which determine the actual SB date. Any application for credit could alert creditors, so you need to be absolutely sure about this. Creditors will likely chase you anyway, but they are toothless if you are definitely SB.

So definitely double-check SB dates (they are likely to be different for each account you had) AND as previously mentioned, check your CRF for any adverse entries which could compromise your attempt to get credit.

[Strepsi]

It's the excitement that kills you!!!

When it gets so close to SB. You haven't received anything close to threatening letters, other than general letters from DCA's.

What type of thing could happen to make things difficult.

I know and I believe I have mentioned it before. But will use these two as an example. My wife and I have have an account each with NatWest they are now owned by Cabot UK.

I have previously mentioned that both these accounts have never been CCA'd, I wouldn't be doing this unless I was advised to.

In my simple mind, I see that they are close to running out of time. Can they really get all there ducks in order between now and the middle of February at the very latest. Considering that we haven't sent a CCA request.

Really hope that makes sense...?

Can't help but get giddy, been such a long time!

[Still Waving]

Statute Barred in February.

I know that this question has been asked many times.

But surely I am safe to get or apply for a CC now, need to start building my score again. Looking to remortgage later in year.

Regards

Hi

I think what you need to do first is to make sure that all the adverse entries have fallen off your status reports with all the CRAs (after February).

[Strepsi]

Statute Barred in February.

I know that this question has been asked many times.

But surely I am safe to get or apply for a CC now, need to start building my score again. Looking to remortgage later in year.

Regards

[Roger]

To clarify I have no intention of sending a S.78 and I will ask for advice.

But I really can't help but feel much more optimistic than back in 2016.

YES reaching that 6 years plus one month! Watching the Credit Reports and seeing Debts dropping off!
Also Tactics have changed over the years! Read the Diaries and you can see the change in Tactics!
When I/We started it looked like climbing Everest!! But the Diary plus personal notes gives you growing confidence in being the master of your Debts rather than being the DCA's whipping BOY!
Good Diaries help to make good decisions and knowledge empowers!

[Strepsi]

Requesting S.78 CCA? Its become a tactical issue !!!
The DCA's fire off Claims BUT without being capable of evidencing the claim!

Being so near DO NOTHING WITHOUT FIRST ASKING FOR ADVICE!

To clarify I have no intention of sending a S.78 and I will ask for advice.

But I really can't help but feel much more optimistic than back in 2016.

[Roger]

I am keeping my head down.

I can't help but feel optimistic about two accounts which are high value (one mine one my wife) that are both Nat West they are both owned by Cabot.

???????At this moment in time I haven't sent a CCA request on either. I have no intention of CCA'ing as I feel that the CCA is my joker. (However I could be completely mistaken).

Requesting S.78 CCA? Its become a tactical issue !!!
The DCA's fire off Claims BUT without being capable of evidencing the claim!

Being so near DO NOTHING WITHOUT FIRST ASKING FOR ADVICE!

[Strepsi]

Obviously Silence BUT watch and don't take your eyes off of the DCA's !
You will probably find a flurry of activity as you close in on the 6 years ironically this is a good insight into their mindset!
That their Calculations on Statute Bar are the same as yours!!
This is what taking control means getting into the mindset and thinking of the Enemy and anticipating their Tricks!
When they react as expected PAT yourself on the BACK!

I am keeping my head down.

I can't help but feel optimistic about two accounts which are high value (one mine one my wife) that are both Nat West they are both owned by Cabot.

???????At this moment in time I haven't sent a CCA request on either. I have no intention of CCA'ing as I feel that the CCA is my joker. (However I could be completely mistaken).

[Roger]

Obviously Silence BUT watch and don't take your eyes off of the DCA's !
You will probably find a flurry of activity as you close in on the 6 years ironically this is a good insight into their mindset!
That their Calculations on Statute Bar are the same as yours!!
This is what taking control means getting into the mindset and thinking of the Enemy and anticipating their Tricks!
When they react as expected PAT yourself on the BACK!

[Strepsi]

February for me too as we started this journey at the same time. I have one of mine with joanna too and it's gone very quiet.

I am now feeling quietly optimistic, however not sure I should be?!

It has been a long 6 years...

I am sure you know that you are in safe hands with Jo, Colin and rest of her team. Best of luck.

[JLC]

February for me too as we started this journey at the same time. I have one of mine with joanna too and it's gone very quiet.

[Strepsi]

Originally posted by Strepsi View Post

• 8 October 2018, 12:22
  Originally posted by Warwick65 View Post
  Just to say, if you have sent it via RM signed for and they have not updated the website- in the past I have complained and received proof of delivery along with 6 first class stamps
  
  I am not in favour of sending a 2nd request unless it benefits you - for example after two of my debts had been sold I sent new CCA requests which they couldn't satisfy (thank you cabot) and there was another 3K sorted
  
  I know debt is hard work, I lost many many hours of sleep over it in the past but it does get easier and frankly what is the worst that can happen? They can not get blood out of a stone
  The other morning received a reply from Lowell advising that they have received my request for CCA. They are going to contact Creation, curious as what they will send me...as SAR was a little vague.

  ---

  
  
  Creation 9/07/2016
  
  Your agreement has now been referred to Moorcroft Debt Recovery for collection for the collection of the overdue amount. Any further payment or contact regarding your agreement show now be made to...
  
  Moorcoft 13/7/2016
  
  Your account detail have been passed to us by Creation Financial Services, outstanding balance £4900
  
  Moorcroft Debt 19/10/2016
  
  Please find text from letter.
  'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.
  
  Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.
  
  We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.
  
  We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.
  
  What do you think?
  Creation 8/3/2017
  I am disappointed to note that we have still not heard from you regarding payment of debt...
  
  Creation 13/10/2017
  We have been attempting to contact you for sometime to discuss this debt without success...
  
  Creation 24/10/2017
  Despite our efforts to contact you and assist you in clearing the above debt, by means of a repayment ...we therefore have no alternative but to sell this account to a debt purchaser.
  
  You have 10 days from the date of this letter...
  
  Creation Consumer Services Ltd 19/01/2018
  We are writing to notify you that Creation Financial Services Ltd sold your account to Lowell Portfolio I Ltd on 27/12/2017. The total balance sold was £4800
  
  Lowell Portfolio I Ltd 19/01/2018
  We are Lowell Portfolio I Ltd, a specialist debt purchaser, which buys accounts from various organisations...The letter is intended to give you formal notice that your outstanding Asda account with Creation Financial Services Ltd was sold to Lowell Portfolio I Ltd on 27/12/2017. Lowell Portfolio I Ltd has instructed Lowell Financial Ltd to manage your account.
  
  [I] Since then I haven't received any letters that directly relate to this debt, only letters that relate to three debts that they own.
  Thank you for posting the full history which makes things a lot easier to follow
  
  Unless I've misunderstood, you received a letter from Moorcroft in October 2016 which states that Creation Finance admit that they don't have your credit agreement.
  
  Was that letter sent in response to a formal s 77-79 CCA Request ?
  
  I'm pleased that Lowells haven't written to you since but if they do write post on your thread and it may make sense to reply letting them know the account is currently unenforceable (have you kept that Moorcroft letter?).
  
  
  Hi Di,
  
  Yes I still have the letter and documents, you haven't misunderstood and it was through a CCA request.
  
  Cheers
  
  I was wondering if someone could give some advice on this also. Cheers
  
  
  Just received Data Access Report, I have forwarded some information for Niddy to take a look. I have never received this type of information, what should I be looking out for?
  
  Should I send CCA Lowell regarding this debt, I feel the information (SAR) received was a little vague from Creation.
  
  5th September
  
  Prelegal Assessment Letter received from Lowell.
  
  Having assessed our options we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.
  
  Please call us by -/9/2018
  
  Best course of action?
  
  
  Bit of a query, I sent a CCA request 'signed for' on Friday of last week, at the moment when I check the post office track and trace it just states that it has been posted.
  
  Where does this leave me, Lowell wanted a reply from me this week otherwise they will commence with legal proceedings!
  
  
  Letter received from Lowell
  
  We refer to your recent request under section 77/78 of the consumer credit act 1974 for a copy of the documentation for this former Creation Financial Services Ltd Account. We have requested a copy of the documentation but have not received as yet.
  
  This account remains on hold while we wait...
  
  Judging what I saw from my SAR, will be interested what turns up!?
  Last edited by Strepsi; 12 November 2018, 14:12.

  ---

  
  Creation CC
  Amount £4250
  Account Opened -/12/2013
  Default April 2016 (Finally...)
  
  Creation /07/2016
  
  Your agreement has now been referred to Moorcroft Debt Recovery for collection for the collection of the overdue amount. Any further payment or contact regarding your agreement show now be made to...
  
  Moorcoft 1/7/2016
  
  Your account detail have been passed to us by Creation Financial Services, outstanding balance £4700
  
  Moorcroft Debt 1/10/2016
  
  Please find text from letter.
  'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.
  
  Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.
  
  We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.
  
  We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.
  
  What do you think?
  Creation /3/2017
  I am disappointed to note that we have still not heard from you regarding payment of debt...
  
  Creation 1/10/2017
  We have been attempting to contact you for sometime to discuss this debt without success...
  
  Creation 2/10/2017
  Despite our efforts to contact you and assist you in clearing the above debt, by means of a repayment ...we therefore have no alternative but to sell this account to a debt purchaser.
  
  You have 10 days from the date of this letter...
  
  Creation Consumer Services Ltd /01/2018
  We are writing to notify you that Creation Financial Services Ltd sold your account to Lowell Portfolio I Ltd on /12/2017. The total balance sold was £4800
  
  Lowell Portfolio I Ltd 01/2018
  We are Lowell Portfolio I Ltd, a specialist debt purchaser, which buys accounts from various organisations...The letter is intended to give you formal notice that your outstanding Asda account with Creation Financial Services Ltd was sold to Lowell Portfolio I Ltd on /12/2017. Lowell Portfolio I Ltd has instructed Lowell Financial Ltd to manage your account.
  
  [I] Since then I haven't received any letters that directly relate to this debt, only letters that relate to three debts that they own.
  Thank you for posting the full history which makes things a lot easier to follow
  
  Unless I've misunderstood, you received a letter from Moorcroft in October 2016 which states that Creation Finance admit that they don't have your credit agreement.
  
  Was that letter sent in response to a formal s 77-79 CCA Request ?
  
  I'm pleased that Lowells haven't written to you since but if they do write post on your thread and it may make sense to reply letting them know the account is currently unenforceable (have you kept that Moorcroft letter?).
  
  
  Hi Di,
  
  Yes I still have the letter and documents, you haven't misunderstood and it was through a CCA request.
  
  Cheers
  
  
  I was wondering if someone could give some advice on this also. Cheers
  
  Just received Data Access Report, I have forwarded some information for Niddy to take a look. I have never received this type of information, what should I be looking out for?
  
  Should I send CCA Lowell regarding this debt, I feel the information (SAR) received was a little vague from Creation.
  
  5th September
  
  Prelegal Assessment Letter received from Lowell.
  
  Having assessed our options we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.
  
  Please call us by -/9/2018
  
  Best course of action?
  
  
  Bit of a query, I sent a CCA request 'signed for' on Friday of last week, at the moment when I check the post office track and trace it just states that it has been posted.
  
  Where does this leave me, Lowell wanted a reply from me this week otherwise they will commence with legal proceedings!
  
  
  Letter received from Lowell
  
  We refer to your recent request under section 77/78 of the consumer credit act 1974 for a copy of the documentation for this former Creation Financial Services Ltd Account. We have requested a copy of the documentation but have not received as yet.
  
  This account remains on hold while we wait...
  
  Judging what I saw from my SAR, will be interested what turns up!?
  Received information regarding my CCA request to Lowell.
  
  They have sent what appears to be a reconstituted agreement I will send to Niddy this week.
  
  When I received it, it made check other information I have received. Just want to get some thoughts whether what I noticed is important:
  
  The sold date on letter I received is different to the date on the printout (log) on my SAR.
  The defaults date do not match.
  The credit agreement start date is incorrect on statement on account.
  On the credit agreement from Creation it doesn't state a variable interest rate on information from Creation it does.
  
  It maybe meaningless, just was wondering 'how exact' their information needed to be.

UPDATED

Letter received last week.

Notice of Acting received from Overdale Solicitors...
"We are instructed to initiate legal proceedings against you unless you pay £amount...

They don't 'appear' to specify a deadline for my reply.



Updated.

Letter sent recorded delivery. I have it a signature stating that they have received it the very beginning of this month.

As yet still had no reply. Just generally, would they still be able to raise a claim if they don't reply to Box D?

Just received notification via Colin from Joanna Connolly Solicitors that Lowell have consented to their claim being dismissed.

Another one gone thanks to Jo Connolly and her team!

Meanwhile February is inching ever closer!!

[Strepsi]

Also be absolutely sure of your SB date. It may not always be the one that one thinks it is. Be sure of when each debt was officially defaulted.

All our debts have finished off Experian other than the one, which goes end of next year.

One of which is with Jo and Colin, and another that has come into my head has been stopped via the claimant, through not finding the information.

[The Tech Clerk]

date of default