Originally posted by sebaab
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Originally posted by Still Waving View Post
Hi
email it to Niddy - webmaster@all-about-debt.co.uk - Head it Sebaab's CCA and include a link to this thread in the email.
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Originally posted by sebaab View Post
In response to my CCA request way back in Feb 2017 they've now sent me some paperwork. Can I send it to you for evaluation please Niddy?
email it to Niddy - webmaster@all-about-debt.co.uk - Head it Sebaab's CCA and include a link to this thread in the email.
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Originally posted by sebaab View PostRe: sebaab's diary
Debt 4
Type: Credit Card (Barclaycard)
Start Date: 2008
Balance: 5.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: not paying
Status: default
Account Owner: PRA Group UK
Key:
sent
received
other information
Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
20 Jan 2017 from PRA Group "Your account is being managed by our investigations and Litigation Department to look at your outstanding debt for possible litigation recovery." "If we do not hear from you within 14 days we will move to the next stage"
8 Feb 2017 from PRA Group "This is a letter before claim as required by the Practice on Pre-Action Protocols, to give you notice of PRA Group's intention to issue court proceedings against you" Gives details of the "written agreement" that I entered into.
Feb 2017 CCA request sent to PRA Group
Update Feb '17 Letter from PRA Group "Dear Mr (Incorrect Surname!)", "I've requested the required information. Until this is received I have placed your account on hold", "I will contact you as soon as possible"
Update Sept '17 Letter from PRA Group A basic account summary. Also a discounted settlement offer.
Update Jan '18 Letter from PRA Group "We have enclosed copy documents as requested. Enclosed: Short Form Cancellation, Historic Terms and Conditions, Varied Terms and Conditions"
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Originally posted by sebaab View PostRe: sebaab's diary
Debt 8
Type: Credit Card (Natwest)
Start Date: 2010
Balance: 3k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: not paying
Status: default
Account Owner: Wescot Credit Services
Key:
sent
received
other information
Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
24 Dec 2016 from Wescot Credit Services Ltd "contact us directly to discuss your situation"
Feb 2017 CCA request sent to Wescot
Feb 2017 letter from Wescot "Following your recent request for a copy of the signed agreement , our client has requested you write to the following address and state in your covering letter that this is section 77/78 request and enclose a £1.00 postal order or cheque payable to our client (******address of client here*****), trusting the above clarifies the situation"
Nov 2017 letter from Cabot Financial "Our offer to you. We are prepared to reduce the balance to help you become free blah blah. If you'd like to contact us blah blah"
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Originally posted by sebaab View PostRe: sebaab's diary
Debt 7
Type: Credit Card (RBS)
Start Date: 2010
Balance: 1.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: not paying
Status: default
Account Owner: Wescot Credit Services
Key:
sent
received
other information
Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
24 Dec 2016 from Wescot Credit Services Ltd "contact us directly to discuss your situation"
Feb 2017 CCA request sent to Wescot
Feb 2017 letter from Wescot "Following your recent request for a copy of the signed agreement , our client has requested you write to the following address and state in your covering letter that this is section 77/78 request and enclose a £1.00 postal order or cheque payable to our client (******address of client here*****), trusting the above clarifies the situation"
Nov 2017 letter from Cabot Financial "Our offer to you. We are prepared to reduce the balance to help you become free blah blah. If you'd like to contact us blah blah"
- 1 like
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Originally posted by Still Waving View Post
I think I would be tempted to wait and see which option they settle for.
(Is this the first letter received since last December ??)
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I would ignore for now, rare any one calls, they will most probably phone you,
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Originally posted by sebaab View Post
OK, so Moorcroft are now hinting at a home visit by one of their reps. Shall I continue to ignore them or send them a template letter?
(Is this the first letter received since last December ??)
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Originally posted by sebaab View PostRe: sebaab's diary
Debt 3
Type: Bank Overdraft (Natwest)
Start Date: 1991 (opened account)
Balance: 2.7k
Last full Payment (interest payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: not paying
Status: default
Account Owner: Wescot Credit Services
Key:
sent
received
other information
Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
24 Dec from Wescot "contact us directly to discuss your situation"
Update Sept 2017 from Moorcroft "As no agreement has been reached we are now in the process of reviewing your account to consider the steps which may be taken in relation to further debt recovery action. The options include recommending one of the following: (1)Continue in our attempts to contact you by letter and phone, (2)Instruct a local representative to arrange to call at your home address to try to re-establish contact with you"Last edited by sebaab; 28 September 2017, 14:13.
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Originally posted by Spud View PostGiven the amount of time that has passed since PRA's LBA and the length of time between letters since sending the CCA request I would do as you suggest and see what comes next
Do keep an eye on any letters they send though and flag it up if they start to threaten anything
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Given the amount of time that has passed since PRA's LBA and the length of time between letters since sending the CCA request I would do as you suggest and see what comes next
Do keep an eye on any letters they send though and flag it up if they start to threaten anything
- 2 likes
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Originally posted by sebaab View PostRe: sebaab's diary
Debt 4
Type: Credit Card (Barclaycard)
Start Date: 2008
Balance: 5.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: not paying
Status: default
Account Owner: PRA Group UK
Key:
sent
received
other information
Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
20 Jan 2017 from PRA Group "Your account is being managed by our investigations and Litigation Department to look at your outstanding debt for possible litigation recovery." "If we do not hear from you within 14 days we will move to the next stage"
8 Feb 2017 from PRA Group "This is a letter before claim as required by the Practice on Pre-Action Protocols, to give you notice of PRA Group's intention to issue court proceedings against you" Gives details of the "written agreement" that I entered into.
Feb 2017 CCA request sent to PRA Group
Update Feb '17 Letter from PRA Group "Dear Mr (Incorrect Surname!)", "I've requested the required information. Until this is received I have placed your account on hold", "I will contact you as soon as possible"
Update Sept '17 Letter from PRA Group A basic account summary. Also a discounted settlement offer.
- 5 likes
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Originally posted by sebaab View PostRe: sebaab's diary
Debt 5
Type: Credit Card (M&S)
Start Date: 2006
Balance: 2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: not paying
Status: default
Account Owner: M&S
Key:
sent
received
other information
Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
4 December 2016 Received letter from M&S Credit Card "we've been trying to contact you" and "We can give you a 40% reduction if you pay us a full and final settlement amount
5 Jan 2017 from M&S "we've now asked Moorcroft Debt Recovery Ltd to take responsibility for your account"
8 Jan 2017 from Moorcroft "Your account has been passed to us. Please contact us to pay"
24 Jan 2017 from Moorcroft "We've been unable to make contact with you"
8 Feb 2017 from Moorcroft "Monthly installment offer. Please call if you wish to take advantage of the offer"
Feb 2017 CCA request sent to Moorcroft
Update Feb '17: Letter received from Moorcroft "We have requested the relevant documentation from our client and will forward it to you when it is received", "We must also stress that we are not seeking to enforce an agreement and have only asked that payment is made towards a debt that is outstanding by way of an affordable payment plan"
Update March 2017 from M&S They have sent me a credit agreement. Will send to Niddy This one is
Update March 2017 from Moorcroft 'As we have complied with your request we will commence collection methods in 2 weeks"
Update March 2017 from Moorcroft "We haven't been able to make contact with you so will continue with debt collection. This may include us or another agency writing to you"
Update Apr 2017 from Moorcroft "monthly Installment Offer"
Update May 2017 from Moorcroft "Discount Offer", "We may be able to offer you a discount from your outstanding balance", "Phone us immediately"
Update June 2017 from M&S "We are writing to inform you that we have asked Fredrickson International to take responsibilty for your account. They will contact you in due course"
Update June 2017 from Fredrickson "M&S Bank have instructed us to contact you regarding the above acccount and all communication should now be with us. Please contact us to discuss your account"
- 1 like
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