Start of my diary

[Strepsi]

Type of Account: Halifax Overdraft – Current Account
Date Commenced: 7/9/2004
Approx Balance: £2040
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Westcot and Moorcroft

05/06/2017 Letter received from HALIFAX

As we haven't been able to agree a suitable repayment plan we've transferred your Halifax debt to dca, Moorcroft Group. We've instructed Moorcroft Group to arrange collection of outstanding amount.

[Strepsi]

Type of Account: Overdraft – Halifax Credit Card
Date Commenced: 1/11/2013
Approx Balance: £2369
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): CSL


CCA Sent then received back 12th May 2016. (Been informed via Niddy - that this is Enforceable)

Had loads of letter from Moorcroft, Halifax and Westcot.

23/5/2017 - Notice of Instruction CSL

We are a specialist DCA who have been instructed to collect the above outstanding debt owed to Halifax...

12/6/2017 - Notice of further action

We are disappointed to note that we have not received a response to our previous letter...

[Strepsi]

Type of Account: Overdraft – Tesco CC
Date Commenced: 17/10/2013
Approx Balance: £4315
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Moorcroft

5/5/2017 Reply to CCA Request

We acknowledge receipt of your letter requesting a copy of your credit agreement.

However, in line with our client's that we are obliged to follow and in order to ensure that your data remains protected, all credit agreement requests must be hand signed...we would ask that you hand sign the request and resend.

[Strepsi]

Type of Account: Overdraft – Natwest CC
Date Commenced: /9/2013
Approx Balance: £4300
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Moorcroft now Wescot - NOW Cabot UK Ltd June 2020

04/2017 Natwest
Our collection agent has been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to Wescot Credit Services (Ltd) trading as Wescot

05/2017
Wescot is a specialist DCA and we have been instructed by our client, Natwest Uk Card Services to make contact with you...


Received other letters that asking to make contact.

I am not convinced that I have CCA'd this one?!

June 2016
We have been unable to contact you or agree a suitable repayment plan therefore your account details have been passed to APEX Credit Management to act as collection agent and they will be dealing with your account.

December 2016 Wescot
Wescot is a specialist debt collection agency and we have been instructed by our client, Natwest UK Card Services to make contact with you to discuss the outstanding balance on this account and the repayment options available based on your personal circumstances..

January 2017
We have written to you on several occasions asking you to contact us about this account however to date we have not yet agreed a solution...
Last edited by Strepsi; 3 July 2017, 14:22.

**Updated 12/10/2020

Account finally assigned to a DCA June 2020 to Cabot UK Ltd. The letter states that they are the legal owners of the debt.

Since June several letters, but nothing as yet that is deemed threatening...

As it stands I still haven't CCA'd this account.

[Strepsi]

Type of Account: Barclaycard CC
Date Commenced: 14/11/2013
Approx Balance: £4990
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Asset Link

Currently being challenged in court!

[Strepsi]

Type of Account: MBNA (Virgin) CC
Date Commenced: 6/9/2005
Approx Balance: ££3216
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Virgin Money - Arrow/Capquest

6/6/2017 Virgin Money

Your account is moving to Arrow... your account has been transferred from Virgin Money to Arrow Global. This happened on the 30/5/2015...

22/6/2017 CAPQUEST
Please find attached copy of agreement from our client as requested (ONLY TOOK THEM OVER A YEAR TO FIND IT)

I have been informed via Niddy that this is UE owing to its age or some issue with MBNA/Virgin

[Strepsi]

Type of Account: Next Direct
Date Commenced: 6/5/2008
Approx Balance: £4427
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Cabot Financial

Niddy has informed me that this debt is UE

11/01/2017 NEXT
We are writing to inform you that your outstanding debt and all our rights and obligations as a creditor... have now been sold to Cabot Credit Management Group on the 9th December 2016.

21/04/2017 Cabot
Your outstanding balance - potential legal action

CCA request sent

10/05/2017 - Cabot
Thank you for your request for information under sections 77-79 of the CCA 1974.
We currently do not have this information on file. However I have requested details, which will include a copy of the credit agreement, statement of account and varied terms and conditions from the original lender.

[Joanna Connolly Solicitors]

Golly, that was a marathon posting session Strepsi!

It's been worth it because it's really helpful to see them set out like that.

I see that a couple have been diagnosed as unenforceable already

Di

[Strepsi]

Type of Account: Barclaycard CC
Date Commenced: 14/11/2013
Approx Balance: £4990
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Asset Link

Currently being challenged in court!

Had a phone call from Jo Connolly (apologies if spelt surname wrong). Letting me know we have got a result to say I am thrilled (if not relieved) is an understatement.

Thanks very much Di for the initial conversation/advice and obviously Jo and rest of her team. Of course thanks to this forum. Still along road that needs to be travelled...

[Joanna Connolly Solicitors]

Had a phone call from Jo Connolly (apologies if spelt surname wrong). Letting me know we have got a result to say I am thrilled (if not relieved) is an understatement.

Thanks very much Di for the initial conversation/advice and obviously Jo and rest of her team. Of course thanks to this forum. Still along road that needs to be travelled...

So you can cross that one off your list

Enjoy your weekend!

Di

[Strepsi]

So you can cross that one off your list

Enjoy your weekend!

Di

So can I actually get rid of the debt (letters) from my binder! Or should I keep hold for my records?

[Pat]

So can I actually get rid of the debt (letters) from my binder! Or should I keep hold for my records?

I really would keep them- just in case

[Still Waving]

So can I actually get rid of the debt (letters) from my binder! Or should I keep hold for my records?

I too would keep the case papers for the time being if it was me. Can you give any info on how the case was won?

[Strepsi]

I too would keep the case papers for the time being if it was me. Can you give any info on how the case was won?

I am not sure am able to, Di might be able to shed more light on it?

[The Tech Clerk]

keep them as like myself years down line they can be helpful!