time to sort this mess out

[nanna58]

Re: time to sort this mess out

Always best to let Niddy take a look x

[Never-In-Doubt]

Re: time to sort this mess out

Replied asking if you can mail me a copy please

[Jaffacake]

Re: time to sort this mess out

Hi Niddy just sent them now with the heading - jaffacake

[Never-In-Doubt]

Re: time to sort this mess out

It's

terms 1-6 are missing. You had to have those at inception. Clearly you didn't so your agreement is unenforceable because the recons supplied are only part covering the request. Don't tell them this, but basically the PT's are not intact.

[Jaffacake]

Re: time to sort this mess out

phew looked like bad news, I know they can still put it right but its one step closer, so what would my next move be with this, sit tight or send a reply?

[Never-In-Doubt]

Re: time to sort this mess out

I would sit tight if it was me

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT - Littlewoods
Date Commenced - 1998
Approx Balance - £1907
Date last paid - ?
Arrangement or not paying – DMP- last payment march 2016
Status – in arrears
Account owner – littlewoods/NDR

I know this account is riddled withcharges as I have found a statement from 2008 and there was 2 admin charges- 13 march 2008 £5 and 26 march 2008 £5
11/03/16 – SAR request sent
14/03/16 – SAR request signed for
16/04/16 - littlewoods have sent me over 50 pages of statements but no copy of an agreement.

so received all statements they have on record but no copy of a signed agreement, as littlewoods have been marking my credit file with AP markers for the last 6 years and a 6 for the last 3 months I thought I would check how many missed payments I had. I found that I had 7 consecutive missed payments in 2007, so I'm under the impression this should have been defaulted back then and would be off my record.
so has anyone got any advice on what to do next?

[nightwatch]

Re: time to sort this mess out

I would just sit tight for now and see what comes next, Littlewoods are very rarely going to have a CCA as they always sent goods on approval, then sent an agreement for you to sign and keep hold of, I know I never sent a copy of any of mine back to them.

[nanna58]

Re: time to sort this mess out

They didn't have any of mine either , sit tight xxxx

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT - loan
Date Commenced - ?
Approx Balance - 9032
Date last paid - ?
Arrangement or not paying – DMP
Status – Assigned
Account owner – Arrow Global managedby Moorcroft

03/03/16 – CCA Request sent
04/03/16 – CCA Request signed for
07/03/16 – confirming they haverequested documents from arrow and will forward them on when they have them.Also stating that they are not seeking enforcement just asking for payment foran outstanding debt.
18/04/16 - letter recieved, acknowledge receipt of my recent request and confirm that they have closed my account with them and passed it back to Arrow Global Ltd.

they gave up pretty quick

[nightwatch]

Re: time to sort this mess out

let us know who gets it next x

[PlanB]

Re: time to sort this mess out

they gave up pretty quick

Don't you just love it when that happens.

Plan B x

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – HFC Bank plc
Date Commenced - ?
Approx Balance - 759
Date last paid - ?
Arrangement or not paying – DMP
Status – ?
Account owner – Idem servicing

26/02/16 – full and final settlementsent
07/03/16 – offer rejected wanting meto fill out a financial statement
11/03/16 – CCA Request sent
14/03/16 – CCA request received
17/03/16 – letter received sayingthey will provide info in 12 working days.
21/03/16- Letter received acknowledging request for documents they have forwarded it to HFC Bank PLC(letter dated 17/03/16)
01/04/16 - Letter received stating that they are unable to supply a copy of the agreement or statements and acknowledge that it cant be enforced.
28/04/16 - letter received stating documents issued under section 87(1) of the consumer credit act 1974 in relation to my account. And a default notice on the other side of the letter.

So first contact from them since they admitted that at this time they can't comply with my cca request so they have sent a letter chasing payment and put a default notice threat on the back of this letter( I'm under the impression they can't default a debt twice so good luck with that)
they have given me until 12 May to pay up so will sit tight for now.

[nightwatch]

Re: time to sort this mess out

you are correct.
If a default has been recorded with the CRAs for this debt then they cannot record another one, if one is still on file they may change it to show they now own it, but it must have the date that the original default was recorded
they can send you as many default notices as they like but not record them on your credit file.

[Jaffacake]

Re: time to sort this mess out

you are correct.
If a default has been recorded with the CRAs for this debt then they cannot record another one, if one is still on file they may change it to show they now own it, but it must have the date that the original default was recorded
they can send you as many default notices as they like but not record them on your credit file.

Thanks for the reply, as far as my CRA file all my debts bar 2 have come off.