Johng27 - My diary

[Johng27]

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

[Johng27]

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.

[Johng27]

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

[Johng27]

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

[Slickfm]

Re: Johng27 - My diary

Wishing you the very best of luck

[hra47]

Re: Johng27 - My diary

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

[MrsD]

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.

[JLC]

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.

[Johng27]

Re: Johng27 - My diary

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.

[nanna58]

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.

[Johng27]

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

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.

[nanna58]

Re: Johng27 - My diary

I think I would wait till one of our team chips in , hold fire till then xx

[Johng27]

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.

[nanna58]

Re: Johng27 - My diary

Meet you down the pub then x

[Still Waving]

Re: Johng27 - My diary

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).