Johng27 - My diary

[hra47]

Re: Johng27 - My diary

Thnx,fair enough and best of luck!

[Johng27]

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
15th October 2016 letter received - The documentation that was sent to you 21/12/15 fulfilled our obligation.... We do not agree with your claims that the account is unenforceable

I have not got any record of them sending this, so as far as I am concerned it has not been received. Do I ask them for a duplicate ? resend the request with a PO or ignore ? They did cash the original cheque ?

I am almost tempted to point out their incompetence as I stated on the letter my new address and referenced my old one but they still sent to old address and if it would have not been for old neighbour I would not have got it as it slipped through the redirection I have in place.

[JLC]

Re: Johng27 - My diary

I think it's pretty standard. All letters I've had have said the same thing. I just filed it away to see what happens next. You're best not writing to them unless it's a template on here or you're advised to send something.

[Johng27]

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

Question for the forum as this in enforceable, should I let them go on with calls and letters to delay ? As I am ignoring the calls does this put me in a bad light or should I send them a delete my phone number request ?

[MrsD]

Re: Johng27 - My diary

petal, you need to ignore for six years to get it to SB, so I would leave it a wee while yet, have a wee read through some of the diaries and see how other people have dealt with this kind of thing, personally I just ignored all phone calls, simply didn't answer, it will be on an automatic dialler

[The Tech Clerk]

Re: Johng27 - My diary

Wetcloths (DCA) not debt purchaser) - ignore for now, need to look out if the case escalates to a debt purchaser and hear from them or via a Solicitor letter then report back here straightaway

[nanna58]

Re: Johng27 - My diary

As others have said ignore , they are trying to get a response .x

[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.
29th October 2016
Confirmed by Niddy as

The reason for unenforceability is missing P&T's and illegible. Not a very good attempt at a recon. Do these guys ever learn ?
So do I look to send a missing PT letter in a week or two or ignore ?

[The Tech Clerk]

Re: Johng27 - My diary

RED/Hampton/Lowell - Support Group


Might be of interest

[MrsD]

Re: Johng27 - My diary

The reason for unenforceability is missing P&T's and illegible. Not a very good attempt at a recon. Do these guys ever learn ?
So do I look to send a missing PT letter in a week or two or ignore ?

just ignore for now and see what comes next, very early days

[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
21st October 2016 - Letter received from Moorcroft - To request a copy of the Consumer Credit Agreement for the account, please forward a cheque or postal order payable to LLoyds Bank and resubmit the request for the CCA. FILED

So my question is, they clearly do not know that it is a current account overdraft which does not require the £1. So any views as to next steps ?

[Roger]

Re: Johng27 - My diary

So my question is, they clearly do not know that it is a current account overdraft which does not require the £1. So any views as to next steps ?

They have acknowledge receipt of your letter and ignorance here of the Law is no excuse. This leaves them in default of your request, which considerable strengthens your position.
Unless others suggest otherwise I would simply file and wait and see what comes next!

[Pixie]

Re: Johng27 - My diary

I would just write a one liner saying that the £1 is not necessary when requesting a cca for an current account overdraft.

The cca request for ODs is experimental but it's worked for me for almost 6 years and with LTSB too.

[The Tech Clerk]

Re: Johng27 - My diary

Account owner Moorcroft Debt Recovery


No Moorcroft only collect debts on behalf of Lloyds etc they are not Debt Purchaser - I ignore them and deal with the OC in your case Lloyds

[Pixie]

Re: Johng27 - My diary

As you can see Johng27 we just give our opinions on what WE would do if we were in your situation (and we have been.) What you do is up to you; with something like this there is no right or wrong way.