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:
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"
Update Apr 2017 from Santander "We are writing to tell you that we plan to advise credit reference agencies that you have defaulted on your account because of your arrears balance. We will do this in 28 days time if you have not repaid your outstanding balance or been in touch with us so we can come to an agreement to repay this amount in full"
Update Apr 2017 from Santander "Notice of Sum in Arrears", "your account is now 2 payments in arrears. Please contact us as soon as possible"
Update Apr 2017 from Santander "Notice of Default Sums - Default Charge due to late monthly payment = £12.00. Balance Transfer Interest charged = £40.00"
Update May 2017 from Santander "Notice of Default Sums - Default Charge due to late monthly payment = £12.00. Balance Transfer Interest charged = £40.00"

Another Notice of Default Sums arriving from santander. Should I be sending anything back or just wait patiently until the account defaults?

[Pixie]

Re: sebaab's diary

Just wait.

[sebaab]

Re: sebaab's diary

Just wait.

Thanks Pixie. I will sit tight

[sebaab]

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"

M&S now passed this on to Fredrickson International

[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"
Update Apr 2017 from Santander "We are writing to tell you that we plan to advise credit reference agencies that you have defaulted on your account because of your arrears balance. We will do this in 28 days time if you have not repaid your outstanding balance or been in touch with us so we can come to an agreement to repay this amount in full"
Update Apr 2017 from Santander "Notice of Sum in Arrears", "your account is now 2 payments in arrears. Please contact us as soon as possible"
Update Apr 2017 from Santander "Notice of Default Sums - Default Charge due to late monthly payment = £12.00. Balance Transfer Interest charged = £40.00"
Update May 2017 from Santander "Notice of Default Sums - Default Charge due to late monthly payment = £12.00. Balance Transfer Interest charged = £40.00"
Update June 2017 from Wescot Credit Services "(In bold lettering) Our enquiries have indicated you are resident at the address above but we have not yet agreed a solution for this account with you", "It is essential that you contact us urgently to take control of this issue" .....blah blah nothing important.

Wescot have now taken on this Santander account. I'll ignore for now and see what happens next

[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"
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"

Letter from Fredrickson International. I will ignore this one as it doesn't contain anything important/ threatening.

[sebaab]

Re: 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 time after a long period of inactivity. A non threatening letter arrives offering a settlement figure of approx 40% of the balance. No thanks PRA I think I'll ignore you again.

[Spud]

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

[sebaab]

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

Will do, cheers. Luckily for me it looks like they can't fulfill my CCA request

[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: 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"

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?

[Still Waving]

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?

I think I would be tempted to wait and see which option they settle for.

(Is this the first letter received since last December ??)

[nightwatch]

I would ignore for now, rare any one calls, they will most probably phone you,

[sebaab]

I think I would be tempted to wait and see which option they settle for.

(Is this the first letter received since last December ??)

I've had a few letters saying the same - "please contact us or we will continue to contact you" sort of thing.

[sebaab]

I would ignore for now, rare any one calls, they will most probably phone you,

Thanks. I will ignore it for now

[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: 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"

Cabot Financial have now taken over this debt and sent out a standard reduced balance offer. I'll pass thanks Cabot