sebaab's diary

[nanna58]

Re: sebaab's diary

Let us know when any thing threatening comes x

[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: not paying
Status: up to date
Account Owner: (Was SCL Collections) Now Santander
Key:
sent
received
other information

Start of Diary:
Oct 2016 DMP direct debit cancelled. Payments stopped
Dec 2106 from Santander "Notice of Sums in Arrears"
Jan 2017 from Santander "Please make a payment", "We may be charging you fees for missing payments"
Jan 2017 from Santander "Notice of Default Sums"
Jan 2017 from Santander "Please call us urgently"
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"
Feb 2017 CCA request sent to Santander
Feb 2017 Letter From Santander "As you have not made a payment to clear the arrears, we now need you to clear the full balance outstanding of £x,xxx. Please make a payment by ringing us on xxxxxxxx"
Feb 2017 Checked Royal Mail and CCA Request Letter hasn't been delivered yet (Posted 1st class signed for on 10th Feb)
Feb 2017 from Santander (in response to my CCA request) "please find enclosed a copy of your Credit Agreement, T&C's & Statement of Account" Niddy says
Feb 2017 from Santander Late payment charge and Interest on balance transfer added to debt
Uddate March 2017 from Santander "The above debt is still outstanding. If you do not make payment a default will be recorded on your account. Please call us"
Update March 2017 from Santander Notice of default sums. "We've charged for missed payments" + Balance transfer interest has been added to the total. "You have failed to make a minimum payment"
Update Apr 2017 from Santander "We may register a default if your arrears are not repaid. As you've not cleared the outstanding amount on your credit card, we have sent you a Default Notice served under section 87(1) of the Consumer Credit Act 1974 which you will receive in the next few days. As well as the Default Notice, you will also receive another letter confirming that if this amount isn't repaid within 28 days of the date on the letter, we will be advising credit reference agencies that you have defaulted on your account. This default will remain on your credit file for 6 years and may impact you getting credit in the future. It's also possible that your account may be passed to a debt management company who will manage it on our behalf. However, should this happen, we will always let you know in advance. Please note that once the default is registered with the credit reference agencies we'll close your account and any payment we receive afterwards will be used to reduce the outstanding amount."
Update Apr 2017 from Santander "This is a default notice served under Section 87(1) of the Consumer Credit Act 1974", "Provision of Agreement Breached", "Failure to pay overdue amount"

Ok this is the 2nd update on this debt today. Just received my default notice. I reckon they'll pass it on now to a DCA

[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: not paying
Status: up to date
Account Owner: (Was SCL Collections) Now Santander
Key:
sent
received
other information

Start of Diary:
Oct 2016 DMP direct debit cancelled. Payments stopped
Dec 2106 from Santander "Notice of Sums in Arrears"
Jan 2017 from Santander "Please make a payment", "We may be charging you fees for missing payments"
Jan 2017 from Santander "Notice of Default Sums"
Jan 2017 from Santander "Please call us urgently"
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"
Feb 2017 CCA request sent to Santander
Feb 2017 Letter From Santander "As you have not made a payment to clear the arrears, we now need you to clear the full balance outstanding of £x,xxx. Please make a payment by ringing us on xxxxxxxx"
Feb 2017 Checked Royal Mail and CCA Request Letter hasn't been delivered yet (Posted 1st class signed for on 10th Feb)
Feb 2017 from Santander (in response to my CCA request) "please find enclosed a copy of your Credit Agreement, T&C's & Statement of Account" Niddy says
Feb 2017 from Santander Late payment charge and Interest on balance transfer added to debt
Uddate March 2017 from Santander "The above debt is still outstanding. If you do not make payment a default will be recorded on your account. Please call us"
Update March 2017 from Santander Notice of default sums. "We've charged for missed payments" + Balance transfer interest has been added to the total. "You have failed to make a minimum payment"
Update Apr 2017 from Santander "We may register a default if your arrears are not repaid. As you've not cleared the outstanding amount on your credit card, we have sent you a Default Notice served under section 87(1) of the Consumer Credit Act 1974 which you will receive in the next few days. As well as the Default Notice, you will also receive another letter confirming that if this amount isn't repaid within 28 days of the date on the letter, we will be advising credit reference agencies that you have defaulted on your account. This default will remain on your credit file for 6 years and may impact you getting credit in the future. It's also possible that your account may be passed to a debt management company who will manage it on our behalf. However, should this happen, we will always let you know in advance. Please note that once the default is registered with the credit reference agencies we'll close your account and any payment we receive afterwards will be used to reduce the outstanding amount."

Ok so it looks like they are finally going to default this account. I haven't contacted them apart from the CCA request. I guess I'll be receiving a letter soon from a DCA about this account. I'm pretty happy with this result

[sebaab]

Re: sebaab's diary

You be learning you be x

learning from the best!

[nanna58]

Re: sebaab's diary

You be learning you be x

[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: 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"

Monthly installment offer received from Moorcroft. No thanks.

[sebaab]

Re: sebaab's diary

Debt 2
Type: Credit Card (Barclaycard)
Start Date: 2005
Balance: 800
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
Apr 2017 Letter From PRA Group "Could you settle your account?", "You can pay by installments or make a one off discounted payment" (discounted by 10%)

PRA have finally contacted me. I don't think I'll take up their offer

[sebaab]

Re: sebaab's diary

It would be closed when its defaulted. Barclaycard added a couple of months of interest onto mine before they sold it, but mine was UE, do I sent SWID (in December) and haven't heard anything since. I'd also had a threatening letter from Howard Cohen so I sent them and LBA, but probably didn't need to do that as Robinson Way put the account on hold.

Thank you. I don't think it's defaulted yet but by the looks of things probably will soon. Will sit tight for now.

[sebaab]

Re: sebaab's diary

Just keep ALL correspondence (with envelopes if possible) together.
We obviously don't know the actual terms of the Agreement all we know is that Santander called for the full outstanding balance in February.

Niddy has looked at the s.78 and there is nothing to be gained with further correspondence with Santander at this moment.
Seems to me that silence is the better approach at this time.

Others may have different opinions.

Thanks Roger seems like a good idea

[Roger]

Re: sebaab's diary

With respect to the Santander account how would I know if it's been closed? Thanks for your input by the way

Just keep ALL correspondence (with envelopes if possible) together.
We obviously don't know the actual terms of the Agreement all we know is that Santander called for the full outstanding balance in February.

Niddy has looked at the s.78 and there is nothing to be gained with further correspondence with Santander at this moment.
Seems to me that silence is the better approach at this time.

Others may have different opinions.

[JLC]

Re: sebaab's diary

It would be closed when its defaulted. Barclaycard added a couple of months of interest onto mine before they sold it, but mine was UE, do I sent SWID (in December) and haven't heard anything since. I'd also had a threatening letter from Howard Cohen so I sent them and LBA, but probably didn't need to do that as Robinson Way put the account on hold.

[sebaab]

Re: sebaab's diary

With respect to the Santander account how would I know if it's been closed? Thanks for your input by the way

[Still Waving]

Re: sebaab's diary

If an account goes into default (ie repayments are not kept up) they are entitled to demand repayment of the full alleged debt. However they have since added further charges and interest, which suggests that the account has not been closed off.

[Roger]

Re: sebaab's diary

Hi Roger
I disagree - it seems to me they are saying pay the arrears (ie overdue payments on the DMP), or else you will become immediately liable to pay the entire amount owing.
But I don't think they have closed the account (yet).

I would simply take them at their words this clearly says "..we now need you to clear the full balance outstanding of £x,xxx. Please make a payment by ringing us on xxxxxxxx"
Without knowing the terms on the agreement I wouldn't know about other charges etc.. But the FULL BALANCE OUTSTANDING has been called for and this isn't the arrears or normal payments.

Others might have other suggestions, but if it was me I wouldn't reply or have contact again with Santander.

[Still Waving]

Re: sebaab's diary

Hi Roger

I disagree - it seems to me they are saying pay the arrears (ie overdue payments on the DMP), or else you will become immediately liable to pay the entire amount owing.

But I don't think they have closed the account (yet).