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  • #16
    Re: Johng27 - My diary

    Debt 12 - Egg

    Type of account - Credit Card agreement
    Date commenced
    2000

    Approx balance -
    £11357.97

    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 partners credit file

    Account owner
    PRA Group

    8th October 2016 - CCA request sent to PRA Group and payments stopped

    Comment


    • #17
      Re: Johng27 - My diary
      Debt 13 - Capital One

      Type of account - Credit Card agreement
      Date commenced
      1999

      Approx balance -
      £5016.81

      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
      Capital One

      8th October 2016 - CCA request sent to Capital One and payments stopped

      21st October 2016 - CCA Recon received with default notice. Sent to Niddy to check.

      Last edited by Johng27; 21 October 2016, 17:38.

      Comment


      • #18
        Re: Johng27 - My diary

        Debt 14 - Lloyds Joint Current account overdraft

        Type of account - Overdraft
        Date commenced
        1999

        Approx balance -
        £5708.05

        Date last paid
        - 8th August 2016

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

        Status
        - Default

        Account owner
        Lloyds Banking Group

        8th October 2016 - Niddy special letter sent for overdrafts in respect to Consumer credit changes 2010

        Comment


        • #19
          Re: Johng27 - My diary

          Debt 15 - Lloyds Single current account overdraft

          Type of account - Overdraft
          Date commenced 2001
          Approx balance - £3084.79
          Date last paid - 8th September 2016
          Are you on arrangement or not paying - Was on arrangement to pay but stopped paying
          Status - Default
          Account owner Moorcroft Debt Recovery

          8th October 2016 - Niddy special letter sent for overdrafts in respect to Consumer credit changes 2010
          29th March 2017 - Statement of account LLoyds showing last payment on 15/09/16
          Last edited by Johng27; 28 June 2020, 13:59.

          Comment


          • #20
            Re: Johng27 - My diary

            Wishing you the very best of luck
            Fight the good fight and we will prevail
            Proud to be a member of the AAD community

            Comment


            • #21
              Re: Johng27 - My diary

              It would be great to see why a lot of your debts are deemed unenforceable

              Comment


              • #22
                Re: Johng27 - My diary

                lots of reasons why a debt can be unenforceable, no two are usually the same, but mostly the creditors have messed up somewhere.

                Comment


                • #23
                  Re: Johng27 - My diary

                  Good luck! I started at the beginning of this year. I think you will find that the first few months will be very quiet.

                  Comment


                  • #24
                    Re: Johng27 - My diary

                    Originally posted by hra47 View Post
                    It would be great to see why a lot of your debts are deemed unenforceable
                    Hi, I think there is a mixture where some have the wrong T&C's, illegible documentation and failing S78. I leave that to Niddy and go off his judgement.

                    Comment


                    • #25
                      Re: Johng27 - My diary

                      As Mrs D says yes it can be done , also as she says let us know when you get a letter from anyone.N ever speak to them writing only, never answer the calls, you'll be fine all the best xxxxx

                      The key is to never let them know where they have gone wrong thus they can't put it right.
                      if you do it today and you like it you can always do it again tomorrow


                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment


                      • #26
                        Re: Johng27 - My diary

                        Originally posted by Johng27 View Post
                        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
                        Advice on the above credit card please. As you can see, it is unenforceable and it was pretty poor attempt at a recon. At the time of receipt which was around February 2016, I wrote back asking whether they had the original but they just come back saying that the request had been satisfied. At that point I carried on paying via DMP. Obviously sent request to Niddy last week and stopped payment when I saw it was unenforceable. Should I await something from them asking why I have stopped or should I hit them with a lack of prescribed terms letter.

                        Comment


                        • #27
                          Re: Johng27 - My diary

                          I think I would wait till one of our team chips in , hold fire till then xx
                          if you do it today and you like it you can always do it again tomorrow


                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment


                          • #28
                            Re: Johng27 - My diary

                            Yes Nanna, I am very careful with each step. Part of me is thinking of delay tactics to string it out.

                            Comment


                            • #29
                              Re: Johng27 - My diary

                              Meet you down the pub then x
                              if you do it today and you like it you can always do it again tomorrow


                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment


                              • #30
                                Re: Johng27 - My diary

                                Originally posted by Johng27 View Post
                                Advice on the above credit card please. As you can see, it is unenforceable and it was pretty poor attempt at a recon. At the time of receipt which was around February 2016, I wrote back asking whether they had the original but they just come back saying that the request had been satisfied. At that point I carried on paying via DMP. Obviously sent request to Niddy last week and stopped payment when I saw it was unenforceable. Should I await something from them asking why I have stopped or should I hit them with a lack of prescribed terms letter.
                                Hi
                                I think you should wait for them to contact you - and when they do, your action then will depend on the content of their letter (you might be able to ignore them for a while).

                                Comment

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