sebaab's diary

[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"

Letter received from Moorcroft. I will await further correspondence

[nanna58]

Re: sebaab's diary

Let us know when they send anything xx

[sebaab]

Re: sebaab's diary

Let us know when they send anything xx

I will prob won't hear anything for a few weeks now

[nanna58]

Re: sebaab's diary

Relax drink beer x

[Pixie]

Re: sebaab's diary

Did you send anything back to Moorcroft when you received the cca? It's a good idea to send one of the replies as if it's UE

[sebaab]

Re: sebaab's diary

Did you send anything back to Moorcroft when you received the cca? It's a good idea to send one of the replies as if it's UE

Is it? Makes sense I guess. I was going to wait until their next letter. What reply do you suggest? and thanks

[Still Waving]

Re: sebaab's diary

I agree with Pixie. The CCA's for a couple of my alleged debts were deemed enforceable by Niddy. However, I have managed to blag them as UE, using the templates, for 3.5 years until they were sold on.

When the new debt purchaser started chasing, I issued new CCA requests. That was about 5 months ago, and they are still awaiting documentation from the originating creditor.

(Edit; Although waiting for another chasing letter before replying could be a good idea too. Especially as that could be in a couple of weeks. )

[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: not paying
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"
Feb 2017 CCA request sent
Update Feb '17 Letter from Link Financial "You've requested documents under section 77/88", "We purchased your debt from Barclaycard in Sept 2016", "We've requested the documents", "Can take up to 30 days"
Update March 2017 Letter from Link Financial "With reference to your section 77/78 request the original creditor has confirmed that they are unable to fulfill this. Although the agreement is unenforceable the account balance remains collectable"

Letter from Link saying this is unenforceable

[nanna58]

Re: sebaab's diary

Fantastic result , keep that letter very very safe. Congratulations ,love good news me .1 down xxxxxxxxxxx

[cymruambyth]

Re: sebaab's diary

That's great news. Keep that letter safe just in case ......... If only every CCA request resulted in the same letter!

[Susie]

Re: sebaab's diary

Congratulations, thats a lovely letter to receive

[greymatter]

Re: sebaab's diary

Brilliant news

[Still Waving]

Re: sebaab's diary

Great - you must be chuffed.

[sebaab]

Re: sebaab's diary

Thank you everyone I am well chuffed and I will keep the letter very safe. I feel very lucky to have found AAD when I did

[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 from Moorcroft. Standard letter saying they will send more letters if I don't contact them. Ignoring for now