sebaab's diary

[sebaab]

Re: sebaab's diary

Send CCA asap - today.

Yea they may issue a claim but to do so when in default of your s.78 request is a mistake so send CCA as soon as possible - sign it to avoid delay / a claim.

OK I will. When you say sign it, do you mean with my proper signature?

[nanna58]

Re: sebaab's diary

The CCA is sent to whom ever is chasing you, then sit back and wait ,see what they send and let us know xx

You can sign digitally , make sure you send recorded and keep the receipt as proof of posting, oh and include £1 postal order.x

[Never-In-Doubt]

Re: sebaab's diary

OK I will. When you say sign it, do you mean with my proper signature?

Slightly different but yea, pointless having them reject the request then issuing a claim so I'd sign personally.

[sebaab]

Re: sebaab's diary

Debt 4
Type: Credit Card
Start Date: 2008
Balance: 5.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: default
Account Owner: PRA Group UK (original creditor Barclaycard)
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
20 Jan 2016 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 2016 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.

9 Feb 2017 CCA request sent to PRA Group

CCA request now sent!

[PlanB]

Re: sebaab's diary

CCA request now sent!

May I ask who was the original creditor of this account opened in 2008?

It appears to be almost a year to the day since PRA sent you that LBA. Have you heard nothing whatsoever from them in all that time?

Di

[sebaab]

Re: sebaab's diary

Debt 4
Type: Credit Card
Start Date: 2008
Balance: 5.2k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
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.

9 Feb 2017 CCA request sent to PRA Group

Stupid me got the dates wrong. Now amended
Sorry for the confusion. Original creditor was Barclayacrd

[sebaab]

Re: sebaab's diary

Forgive the stupid question. Does the CCA request cover a bank account overdraft? Thanks

[Never-In-Doubt]

Re: sebaab's diary

Forgive the stupid question. Does the CCA request cover a bank account overdraft? Thanks

No, there is a different process for bank accounts -> http://forums.all-about-debt.co.uk/s...CA-Information

** do not send £1 as it is not required for bank accounts.

[sebaab]

Re: sebaab's diary

No, there is a different process for bank accounts -> http://forums.all-about-debt.co.uk/s...CA-Information

** do not send £1 as it is not required for bank accounts.

Thank you Niddy

[sebaab]

Re: sebaab's diary

Debt 1

Type: Credit Card (Barclaycard) (Formerly Egg Card)
Start Date: 1999
Balance: 4.5k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: up to date
Account Owner: Link Financial Outsourcing
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
21 Oct 2016 from Asset Link Capital "we have assigned Link Financial Outsourcing Ltd to service your account. Please continue with your regular payments"
10 Feb 2017 CCA request sent

CCA request sent yesterday

[sebaab]

Re: 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: arrangement
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"

CCA request not sent yet

[sebaab]

Re: 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: arrangement
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"
10 Feb 2017 CCA request sent

CCA request sent yesterday to Moorcroft

[sebaab]

Re: sebaab's diary

Debt 6
Type: Credit Card (Santander)
Start Date: 2006
Balance: 2.3k
Last full Payment (min payment): Nov '12. Since then arrangement via DMP to Sept 2016
Paying by: arrangement
Status: up to date
Account Owner: (Was SCL Collections) Now Santander
Key:
sent
received
other information

Start of Diary:
11 Oct 2016 DMP direct debit cancelled. Payments stopped
23 Dec 2106 from Santander "Notice of Sums in Arrears"
10 Jan 2017 from Santander "Please make a payment", "We may be charging you fees for missing payments"
23 Jan 2017 from Santander "Notice of Default Sums"
31 Jan 2017 from Santander "Please call us urgently"
7 Feb 2017 "We need you to repay the outstanding overdue amount", "if you don't you will need to pay the whole outstanding balance instead of just the arrears"
10 Feb 2017 CCA request sent

Another of the batch of CCA requests sent on 10th Feb. This one to Santander

[sebaab]

Re: 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: arrangement
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"
10 Feb 2017 CCA request sent

CCA request sent yesterday to Wescot

- - - Updated - - -

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: arrangement
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"
10 Feb 2017 CCA request sent

CCA request sent out yesterday to Wescot

[The Tech Clerk]

Re: sebaab's diary

CCA request not sent yet

Wescot do not buy debt theyare a lame debt collector,so who are they working for??