sebaab's diary

[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:
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"
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"
22 Feb 2017 Checked Royal Mail and CCA Request Letter hasn't been delivered yet (Posted 1st class signed for on 10th Feb)
24 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
25 Feb 2017 from Santander Notice of default sums. Late payment charge and Interest on balance transfer added to debt

OK well I didn't have to wait long to see where this was going with Santander. They realise I'm not paying now so are starting to add charges and interest to the debt.

[Susie]

Re: sebaab's diary

Not long then they will default it and hopefully sell it on to do the merrygoround of DCA's

[sebaab]

Re: sebaab's diary

Not long then they will default it and hopefully sell it on to do the merrygoround of DCA's

My thoughts exactly Susie

[sebaab]

Re: sebaab's diary

Power to the people!

[Pixie]

Re: sebaab's diary

Love your avatar - used to love watching Citizen Smith.

[nanna58]

Re: sebaab's diary

Great avvy x

[sebaab]

Re: sebaab's diary

Love your avatar - used to love watching Citizen Smith.

Great avvy x

Thanks. Wolfie, leader of The Tooting Popular Front. So bloody funny

[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

Wolfie says: M&S have sent me a credit agreement. I'll send it to Niddy for evaluation

[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

Niddy says enforcable so will wait this one out

[Pixie]

Re: sebaab's diary

Each debt is different but my M&S card was enforceable (taken out early 2007). I replied to any letters that came as if it were UE and it became SB last year

[Spud]

Re: sebaab's diary

Each debt is different but my M&S card was enforceable (taken out early 2007). I replied to any letters that came as if it were UE and it became SB last year

The proof in the pudding....if ever it was needed - Many people have continued on with the U/E route and been successful

What have you got to lose?

[nanna58]

Re: sebaab's diary

Good to know Pixie x you could bluff it out sebaab nowt to loose.x

[sebaab]

Re: sebaab's diary

Each debt is different but my M&S card was enforceable (taken out early 2007). I replied to any letters that came as if it were UE and it became SB last year

Thanks Pixie I will follow your lead with fingers crossed and who knows I might be lucky LOL

The proof in the pudding....if ever it was needed - Many people have continued on with the U/E route and been successful

What have you got to lose?

Yes that would be nice. As you say nothing to loose and everything to gain.

Good to know Pixie x you could bluff it out sebaab nowt to loose.x

Thanks Nanna I agree that bluffing is the way to go! It's not easy emotionally but hope luck is on my side

[Roger]

Re: sebaab's diary

I notice that this is still with M&S (Moorcroft are acting as their Agent).
Time to learn to be silent (How do Moorcroft know its NOT UE?)
They are NOT threatening anything are they!

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"

I would simply await their next letter!!

[sebaab]

Re: sebaab's diary

I notice that this is still with M&S (Moorcroft are acting as their Agent).
Time to learn to be silent (How do Moorcroft know its NOT UE?)
They are NOT threatening anything are they!

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"

I would simply await their next letter!!

That's a very good point Roger. Maybe they do not communicate back and forth to each other too well. We can but hope...