time to sort this mess out

[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

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.

[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

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

[cymruambyth]

Re: time to sort this mess out

That's great news, keep the letter safe!

[Never-In-Doubt]

Re: time to sort this mess out

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

awesome. Keep it safe (as advised) - and do not contact them.

[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.

The above letter was skiing me to fill in a income and expenditure form and if I did they would knock £50 off, there so generous

[Deepie]

Re: time to sort this mess out

The above letter was skiing me to fill in a income and expenditure form and if I did they would knock £50 off, there so generous

I wouldn't if it were me ...........

[Jaffacake]

Re: time to sort this mess out

I'm just ignoring it like all the rest as only one of them have sent any reply to my cca requests and that is unenforceable as it stands.

[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.

just received a letter today from Lowell Portfolio saying they purchased this debt on 02/09/16 and that I should contact them to settle this debt, when littlewoods sent my SAR request back they only sent computer printouts of statement but no signed agreement. what is my next move?

[MrsD]

Re: time to sort this mess out

wait and see what comes next, don't contact them at all at the moment,

[Jaffacake]

Re: time to sort this mess out

just received a letter today from Lowell Portfolio saying they purchased this debt on 02/09/16 and that I should contact them to settle this debt, when littlewoods sent my SAR request back they only sent computer printouts of statement but no signed pagreement. what is my next move?

so had a few normal chasing letters from Lowell asking me to contact them regarding the debt which I have just filed then received a letter today from them saying that they are considering legal action depending on the info they find on my credit file and if I don't want this to happen to contact them, should I now send a cca request as I have never sent one since they bought the account or do I sit tight?
Thanks in advance

[MrsD]

Re: time to sort this mess out

send the cca to lowell

[Pat]

Re: time to sort this mess out

As you have already sent a cca to the previous creditor just write to lowell saying that you sent a cca request to x on y date and they have not been able to comply.

That should be enough to get it sent back

I wouldn't want to send a 2nd request and give them a chance to get it right

[Jaffacake]

Re: time to sort this mess out

I never needed up sending a cca request to little woods just a sar request and then they only sent computer printouts, I will send a cca request Monday and get that ball rolling