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Johng27 - My diary

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  • Johng27 - My diary

    I have been a member of the forum for a few weeks now and I would like to thank everyone who has given excellent support and guidance in my initial findings phase.

    I started a thread at http://forums.all-about-debt.co.uk/s...about-UE-route but am now going to actually consolidate and put in the diary section in order to add more structure and avoid confusion.

    My debt problems started around 2006 when I was self employed. The business was relatively large and successful but the economy started to dip and impacted it significantly. I then went through a phase of struggling to keep it going (and people employed) but eventually had to bite the bullet and accept things were in a mess. Throughout the period, I had amassed a serious amount of credit cards and debt around 160K but always tried to pay on time. Eventually, I could only afford minimum payments and all cards became maxed out.

    Around 2007, I decided to ask Spectrum to administer a Debt Management Plan. Over time my available income reduced but I still managed to make payments. I went back into full time employment around 2008.

    Last year, I decided that I need to do something about the debt as it would take about 80 years to pay off and was not sustainable as I could not live until I was 130 years old !!

    I have had great advise from Niddy around unenforceability on a number of CCA's.

    So here starts my official diary.........

  • #2
    Re: Johng27 - My diary

    Good luck with your journey
    When you have nothing you have nothing to lose

    Comment


    • #3
      Re: Johng27 - My diary

      Debt 1 - Lloyds Banking Group Trustcard

      Type of account -
      Credit card

      Date commenced 20th February 1989
      Approx balance - 8317.68
      Date last paid - 20th June on self administered DMP
      Are you on arrangement or not paying - No longer paying
      Status - Default served 3 years ago on the account
      Account owner Lloyds Banking Group (OC)

      Numerous requests sent for CCA by recorded delivery. Continued to pay but stopped due to absence of response.

      19th August 2016 from Lloyds - Please find copy of agreement, please give us your bank details and we will pay you 75 due to complaint FILED
      19th Sept 2016 from Lloyds - Your repayment plan is in arrears and we need to discuss with you FILED
      30th Sept 2016 from Niddy Hi it's
      19th Sept 2016 from Lloyds - Your repayment plan is still in arrears and w eneed to discuss this urgently. If we are unable to reach an agreement with you, we may commence further action and seek assistance in contacting you from one of our designated third parties. FILED

      Last edited by Johng27; 29th October 2016, 13:19.

      Comment


      • #4
        Re: Johng27 - My diary

        Originally posted by Johng27 View Post
        Debt 1 - Lloyds Banking Group Trustcard

        Type of account -
        Credit card

        Date commenced 20th February 1989
        Approx balance - 8317.68
        Date last paid - 20th June on self administered DMP
        Are you on arrangement or not paying - No longer paying
        Status - Default served 3 years ago on the account
        Account owner Lloyds Banking Group (OC)

        Numerous requests sent for CCA by recorded delivery. Continued to pay but stopped due to absence of response.

        19th August 2016 from Lloyds - Please find copy of agreement, please give us your bank details and we will pay you 75 due to complaint FILED
        19th Sept 2016 from Lloyds - Your repayment plan is in arrears and we need to discuss with you FILED
        30th Sept 2016 from Niddy Hi it's

        So I have a clarification question if I may ? Niddy said take the money offer of 75 and run !! On the letter they have asked me to provide them with bank details so that they can deposit the funds. If I write to them and give them the information, am I opening myself up to admitting liability for the debt in any way ? Or do i just send a letter and say regarding your letter etc...please deposit funds in etc...

        Comment


        • #5
          Re: Johng27 - My diary

          Debt 2 - Lombard Credit Card

          Type of account
          - Credit Card agreement

          Date commenced
          8th April 2002

          Approx balance - 6044.36
          Date last paid - 8th September 2016
          Are you on arrangement or not paying - Arrangement to pay
          Status - Default gone off credit file
          Account owner Lombard Direct (OC) - Westcott now collecting

          Confirmed by Niddy as enforceable however I am going to act dumb and see how far it goes

          6th October 2016 received from Wescot - Our records show we have not received payment IGNORED
          10th October 2016 Phone call and voicemail received from Wescot - IGNORED
          11th October 2016 Phone call and voicemail received from Wescot - IGNORED
          12th October 2016 Phone call and voicemail received from Wescot - IGNORED
          13th October 2016 Phone call and voicemail received from Wescot - IGNORED
          14th October 2016 Phone call and voicemail received from Wescot - IGNORED
          16th October 2016 Phone call and voicemail received from Wescot - IGNORED

          15th October 2016 from Wescot - We wrote to you on 5th October (err your letter dates 6th !!)... Please contact us urgently IGNORED
          Last edited by Johng27; 16th October 2016, 14:30.

          Comment


          • #6
            Re: Johng27 - My diary

            Debt 3 - MBNA

            Type of account - Credit Card agreement
            Date commenced
            23rd November 1999

            Approx balance - 11732.93
            Date last paid - 15th September 2016
            Are you on arrangement or not paying - Arrangement to pay
            Status - Default gone off credit file
            Account owner PRA Group


            Confirmed by Niddy as . Stopping payment and await their next move
            Last edited by Johng27; 8th October 2016, 13:01.

            Comment


            • #7
              Re: Johng27 - My diary

              Debt 4 - Lloyds Banking Group Mastercard
              Type of account - Credit Card agreement
              Date commenced
              23rd November 1999

              Approx balance -
              3075.66

              Date last paid
              - 12th July 2016

              Are you on arrangement or not paying
              - Arrangement to pay

              Status
              - Default on credit file with 3 years to run

              Account owner
              Lloyds Banking Group (OC)


              4th October 2016 -I have sent a Niddy special stating non compliance of CCA request (This has been a year since original request) I thought I would expose the fact that they clearly have not got a copy.
              12th October 2016 received from LLoyds - Request for payment again IGNORED
              Last edited by Johng27; 16th October 2016, 14:17.

              Comment


              • #8
                Re: Johng27 - My diary

                Debt 5 - Barclaycard

                Type of account - Credit Card agreement
                Date commenced
                22nd March 2000

                Approx balance -
                15895.53

                Date last paid
                - 15th September 2016

                Are you on arrangement or not paying
                - Was on arrangement to pay but stopped paying

                Status
                - Default gone off credit file

                Account owner
                Debt Managers Limited

                Confirmed by Niddy as . Stopping payment and await their next move

                8th October 2016 letter from Debt Manager Services LTD - Unfortunately according to our records we have not received payment. Please contact us FILED
                18th October 2016 letter from Debt Manager Services LTD -
                Unfortunately according to our records we have not received payment. Please contact us FILED
                Last edited by Johng27; 29th October 2016, 13:27.

                Comment


                • #9
                  Re: Johng27 - My diary

                  Debt 6 - Mint Credit Card

                  Type of account - Credit Card agreement
                  Date commenced
                  1st May 2003

                  Approx balance -
                  7411.33

                  Date last paid
                  - 8th September 2016

                  Are you on arrangement or not paying
                  - Was on arrangement to pay but stopped paying

                  Status
                  - Default gone off credit file

                  Account owner
                  Westcott (DCA)

                  Confirmed by Niddy as . Stopping payment and await their next move

                  Comment


                  • #10
                    Re: Johng27 - My diary

                    Debt 7 - Capital One

                    Type of account - Credit Card agreement
                    Date commenced
                    1999

                    Approx balance -
                    2372.27

                    Date last paid
                    - 8th September 2016

                    Are you on arrangement or not paying
                    - Was on arrangement to pay but stopped paying

                    Status
                    - Default gone off credit file

                    Account owner
                    Capital One

                    Confirmed by Niddy as . Stopping payment and await their next move

                    Comment


                    • #11
                      Re: Johng27 - My diary

                      Debt 8 - Barclaycard

                      Type of account - Credit Card agreement
                      Date commenced
                      2001

                      Approx balance -
                      11137.01

                      Date last paid
                      - 15th September 2016

                      Are you on arrangement or not paying
                      - Was on arrangement to pay but stopped paying

                      Status
                      - Default gone off credit file

                      Account owner
                      Capquest

                      2nd October 2016 - Reminder sent from template section to Capquest stating non compliance of request since August 15
                      8th October 2016 letter from Capquest - We have passed your request for documentation to the relevant department. FILED
                      15th October 2016 letter from Capquest -
                      Thank you for your repayment plan (not any more I'm afraid) FILED

                      Last edited by Johng27; 16th October 2016, 14:43.

                      Comment


                      • #12
                        Re: Johng27 - My diary

                        Debt 9 - MBNA

                        Type of account - Credit Card agreement
                        Date commenced
                        2001

                        Approx balance -
                        13298.33

                        Date last paid
                        - 15th September 2016

                        Are you on arrangement or not paying
                        - Was on arrangement to pay but stopped paying

                        Status
                        - Default gone off credit file

                        Account owner
                        Link Financial

                        2nd October 2016 - Reminder sent from template section to Link Financial stating non compliance of request since August 15

                        Comment


                        • #13
                          Re: Johng27 - My diary

                          Debt 10 - Halifax

                          Type of account - Credit Card agreement
                          Date commenced 2001
                          Approx balance - 13785.28
                          Date last paid - 15th September 2016
                          Are you on arrangement or not paying - Was on arrangement to pay but stopped paying
                          Status - Default on partners credit file
                          Account owner Halifax but been collected by Apex

                          28th September 2106 letter from Apex - Need to send your CCA request direct to Halifax blah blah
                          1st October 2016 - Sent a more detailed CCA request from AAD forum stating they should pass it on as part of section 175
                          8th October 2016 letter from Apex - Still need to send to Halifax as section 175 states blah blah - FILED
                          10th October 2016 - CCA request to go Halifax recorded delivery

                          26th October 2016 letter from Apex - We refer to the above account and our records confirm that a payment has recently falled due due but has not been received....... - FILED
                          9th November 2016 letter from Apex - We notice that your repayment plan remains overdue, despite our recent reminder - FILED
                          23rd November 2016 letter from Apex - We have written to you on two separate occasions regarding the payment...... we must hear from you in order toa void contact from us....
                          - FILED
                          6th December 2016 letter from Halifax - Statement of account from Halifax - FILED
                          14th December 2016 letter from Apex - HBOS has passed your account to us and requested that we contact you - FILED
                          19th December 2016 letter from Apex - Your repayment plan has failed - FILED
                          2nd January 2017 letter from Apex - We still have not received payment that was due on 15th December 2016 - FILED
                          16th January 2017 letter from Apex - We have written to you on two separate occasions regarding the payment...... we must hear from you in order toa void contact from us.... - FILED
                          27th March 2017 letter from Halifax - We are writing to notify you that we have assigned your account to Cabot.......... - FILED
                          10th April 2017 letter from Cabot - We recently sent a letter but due to an error had the wrong account number... - FILED
                          11th April 2017 letter from Cabot - We really want to help you - FILED
                          24th June 2017 letter from Cabot - We have stopped receiving your payment - FILED
                          Last edited by Johng27; 9th July 2017, 13:36.

                          Comment


                          • #14
                            Re: Johng27 - My diary

                            well done, sometimes adding it up is the hard bit.

                            let's get it sorted now, a long road but not impossible, lots of us on here have shepherded a similar amount through to SB so it definitely can be done.

                            just come back to us everytime you get a letter and someone will keep you right until you get wise to all the nasty wee tricks

                            xxx

                            Comment


                            • #15
                              Re: Johng27 - My diary

                              Debt 11 - Barclaycard

                              Type of account - Credit Card agreement
                              Date commenced
                              2001

                              Approx balance -
                              12889.02

                              Date last paid
                              - 8th September 2016

                              Are you on arrangement or not paying
                              - Was on arrangement to pay but stopped paying

                              Status
                              - Default gone off partners credit file

                              Account owner
                              Debt Managers administer it now with Arrow Global

                              30th September 2016 letter recieved from Debt Managers - We would like to offer you 40% discount. blah blah blah FILED
                              8th October 2016 - CCA request sent to Debt Managers and payment stopped
                              Last edited by Johng27; 16th October 2016, 14:49.

                              Comment

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