time to sort this mess out

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Halifax Loan
Date Commenced - ?
Approx Balance - 6577
Date last paid - ?
Arrangement or not paying – DMP
Status – Assigned
Account owner – Cabot

03/03/16 – CCA Request sent
04/03/16 – CCA request signed for
26/03/16 - recieved letter saying they have requested the documents and could take upto 40days.

letter recieved saying that they can't provide me with the documents I requested and that the account is on hold, they acknowledge that the account is unenforceable until such a time they produce the documents then kindly ask me to contact them to arrange payment.
letter filed

[Pixie]

Re: time to sort this mess out

It should really have been sent in 2007 as you missed 7 consecutive payments.

[Jaffacake]

Re: time to sort this mess out

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?

so finally litttlewoods have sent me a default notice which will take effect on 22/08/2016 if I don't pay the full balance(only been paying this on a dmp for over 10 years). so do I sit tight for now or is there something I need to send?
thanks in advance.

[Roger]

Re: time to sort this mess out

Hi thanks for the info, I have filed everything I have recieved since sending out my cca requests and so far the only letters I get are asking me politely to contact them but that may change as its only been 3 months.

Three Wise Monkeys ( See no DCA's, Hear (phone) no DCA's, Speak to No DCA's)
All the Best Roger

[Jaffacake]

Re: time to sort this mess out

Hi thanks for the info, I have filed everything I have recieved since sending out my cca requests and so far the only letters I get are asking me politely to contact them but that may change as its only been 3 months.

[Never-In-Doubt]

Re: time to sort this mess out

Yep. Don't chuck things away - just don't reply to everything.

Always keep a copy of letters received. Harassment is still valid as an argument in its own right

[Pat]

Re: time to sort this mess out

Just a suggestion, I know people say bin, use as toilet paper etc but in reality I would keep every letter/email they send . You never know when they might be useful

ESPECIALLY if there is any sort of admission on them as to unenforceability.

I have every email/letter regarding anything to do with my debts all safely stored as hard copy and backed up in the cloud

[nanna58]

Re: time to sort this mess out

Block it anyway petal x

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – lloyds TSB CC
Date Commenced - 1999
Approx Balance - 2928
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2008
Account owner – Cabot

03/03/16 – CCA request sent
04/03/16 – CCA request signed for
26/03/16 - recieved letter saying they have requested documents and it could take upto 40days.
26/06/16 - letter saying thankyou for paying in the past but can you contact them so I can clear the balance.
06/07/16 - missed phone call voicemail left asking me to contact them about a personal matter
07/07/16 - missed phone call voicemail left asking me to contact them about a personal matter
08/07/16 - missed phone call voicemail left asking me to contact them about a personal matter

seems they have my mobile number from somewhere but I never answer numbers I don't know anyway so if it carries on I will just block the number.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – lloyds TSB CC
Date Commenced - 1999
Approx Balance - 2928
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2008
Account owner – Cabot

03/03/16 – CCA request sent
04/03/16 – CCA request signed for
26/03/16 - recieved letter saying they have requested documents and it could take upto 40days.
26/06/16 - letter saying thankyou for paying in the past but can you contact them so I can clear the balance.

normal chasing letter wanting me to contact them so I can pay off the debt, will ignore for now as they still haven't complied with my cca request.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – lloyds tsb loan
Date Commenced - 2004
Approx Balance - 1874
Date last paid - ?
Arrangement or not paying – DMP
Status – Defaulted 2008
Account owner – PRA Group

25/02/16 – full and final settlement of20% sent
09/03/16 – offer rejected offered 20%discount
11/03/16 – CCA request sent
14/03/16 – CCA request signed for
18/03/16 - letter received from PRA group acknowledging cca request, they have requested the relevant documents and suspended collection on account until further notice- they have also returned the £1 postal order.
26/06//16 - they have sent some computer printouts but no other info at this time, they also say they will not contact me again until they have the rest of the info.

they sent what they have received so far as per my cca request, all they have sent so far are some computer printouts of what looks like statements covering from 2004-2008.the final page shows debt cleared money owed =0.00 but I guess that's when Lloyds sold the debt on.

[Never-In-Doubt]

Re: time to sort this mess out

Don't worry. They're not exactly hardball....

Keep us updated

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Mint CC
Date Commenced - 2004
Approx Balance - £1266
Date last paid - ?
Arrangement or not paying – DMP- last payment 03/16
Status –
Account owner –Royal Bank Of Scotland managed by Moorcroft

03/03/16 – CCA Request sent
07/03/16 – CCA request sent back toldto send to royal bank of Scotland as they are the owners of account.
11/03/16 – CCA Request sent to Royal bank of Scotland
15/03/16 – CCA request signed for
06/04/16 - Received copy of agreement and terms&conditions ( niddy says )

07/05/16 - letter recieved from moorcroft asking for a proposal of payment or possible further debt recovery action may happen.
11/06/16 - letter received saying there agent has been unable to contact me so they have passed my details onto a new dca called Allied international credit(uk) ltd.
09/12/16 - letter from Mint saying there agent has been unable to contact me so have now passed it to Westcot Credit Services trading as Wescot. And that they will contact me within 14days.

latest update on this one been very quiet apart from the normal contact us or we may do this or may do that that, then this one drops on my doormat today so will wait and see what this allied international are about.

[SA Gold]

Re: time to sort this mess out

Jaffacake - i just wanted to pop in and say a very belated all the best with this. As you can see this is very much a waiting game, and the members here are the best to support you.
Cheers
SA

[The Tech Clerk]

Re: time to sort this mess out

More decorative paper ? Toilet comes to mind xx let us know if they send owt else , as they say they could POSSIBLY take action
xx

Handy Hint!!!!!!!!!!!!!!!!!!

Use Both Sides Before Flushing!