time to sort this mess out

[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.
12/08/16 - Default notice letter received will take effect on 22/08/16.
2017 - CCA request sent to Lowell after they purchased the account.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – lloyds tsb loan
Date Commenced - 2004
Approx Balance - £1851.56
Date last paid - 04/2016
Arrangement or not paying – DMP
Status – Defaulted 2008
Account owner – PRA Group

Account was on a DMP with Lloyds for a number of years before going to Aktiv Capital( I cant find a default letter or transfer of debt for this account)
whilst with Aktiv Capital it was still being paid through a DMP
2014- Aktiv changed name to PRA Group (uk) ltd
25/02/16 – full and final settlement of20% sent
09/03/16 –My offer rejected but they offered a 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.
09/18 - recieved a response regarding cca request, looks enforceable after documents were looked at by Niddy
13/10/18 - letter received about the account being investigated by there litigation department and for me to contact them within 14 days before moving to the next stage.

[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
30/08/16 - letter asking me to fill in a income and expenditure form.
02/02/17 - another chasing letter saying that I've not contacted them still.
03/04/17 - letter saying there getting fedilite to make a door step visit to get me back in touch with Cabot.
27/04/17 - first letter from fidelite today asking me to contact them within 7days(letter dated 21/04/17) or they will make a personal visit to my house.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – Lloyds TSBoverdraft
Date Commenced - 1999
Approx Balance - £898
Date last paid - ?
Arrangement or not paying – Last paid 03/16
Status – Default 2009
Account owner – PRA Group

03/03/16 – full and final settlementsent of 20% of balance
09/0/16 – offer rejected offered 20%discount
21/03/16 - Bank Account CCA Sent
24/03/16- letter received saying they have requested documents and account is on hold until further notice.
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.




- - - Updated - - -

TYPE OF ACCOUNT – Mint CC
Date Commenced - ?
Approx Balance - £1214.28
Date last paid - ?
Arrangement or not paying – Last paid 03/16
Status – default
Account owner – Mint

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 unenforceable)
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.
28/12/16 - welcome letter from wescot asking me to contact them.
05/01/17 - letter from wescot saying they know I live at my address and to contact them or they will continue to call/text and send letters on behalf of royal bank of Scotland.
12/01/2017 - letter from wescot regarding reduced settlement
28/01/2017 - normal chasing letter
09/02/2017 - letter from 2f- confirmation of residency
26/06/2020 - Debt sold to Cabot finacial (uk) limited

[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.

[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.

[Spud]

Re: time to sort this mess out

There is a lot of work there Jaffa

Do you still have any of the old paperwork for any of these accounts at all....Now is the time to rummage through the back of "that" drawer in the kitchen.....I know you have one....We all do

You can get copies but the original is always best and can sometimes be the "jewel" that wins the day

Looking forward to when ( IF) you receive your CCA replies.....

[Jaffacake]

Re: time to sort this mess out

Hi spud I only have one original statement from 2008 for littlewoods and the letter from court for the ccj, when I split from the ex she decided all my stuff needed burning and would rack up the bills in my name but that was over 10years ago. The only other letters I have are from when the creditors debt collectors tracked me down.

[Spud]

Re: time to sort this mess out

No probs

Just keep what you have and try to find if there are any others that you may have, Even if its just old statements etc

A Tesco say....Every little helps

[mike'y]

Re: time to sort this mess out

Hi Jaffacake and welcome to this forum. You really have arrived at the best place to find help, advice and friendly people. They're real fighters on here.:-)

[Jaffacake]

Re: time to sort this mess out

Hi all just after a little advice regarding paper work, as I don't have much in the sense of original documents is it worth sending sar requests?

[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

After sorting through paper work I have found a letter from a ppi company that was working on behalf of the dmp I was with, it states that they requested information from Lloyds but Lloyds were having issues locating my account.

[Spud]

Re: time to sort this mess out

it states that they requested information from Lloyds but Lloyds were having issues locating my account.

What a shame......I am very sorry to hear that

[Spud]

Re: time to sort this mess out

Hi all just after a little advice regarding paper work, as I don't have much in the sense of original documents is it worth sending sar requests?

SAR requests have their place and time but I wouldn't recommend you do them just yet. Sometimes the correct timing of an SAR request can be helpful.

See what you get back from your CCA requests first

When I said about old documents, I didn't mean tear the house apart, just a check of those places you squirrel away your documents etc. Don't worry too much about them

First step is getting your CCA replys back

[nightwatch]

Re: time to sort this mess out

Lloyds often have problems finding paperwork, it took them years to finally admit they couldn't find hubby's CCA,