Let the fun commence - 6 year journey starts here!

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

DEBT #2

• Type of account: Barclaycard
• Date commenced: February 2008
• Approx balance: £6,900
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status Account: Defaulted June 2017.(Barclay card didn't default before selling onto Link!
• Account owner : Link Financial
• CCA received: Yes, a reconstituted agreement, but with no prescribed terms or signed agreement.

CCA request made early March 2017. Letter received from Link saying 'will revert back to OC to get this info'. Nothing received yet.

25th April 2017: Still no response regarding CCA request.
12th May 2017: CCA receievd. Looks like it is missing prescribed terms, but will upload it in the next few days to get it checked.
19th May 2017: CCA scanned to the team
19th May 2017: Super speedy response from Niddy who states that there is no signed agreement so for now
27th May 2017: Arrears letter/notice received from LINK. Used £1 postal CCA request payment as payment towards debt!
24th June 2017: Default notice received from Link for arrears
28th September 2017: Demand to pay the arrears letter received. I have 7 days
22nd October 2017: Statement of account letter received.

2018

14th February 2018: Text msgs from Link asking me to contact them, If i do not they will take further action.
28th April 2018: Statement of arrears letter sent with arrears notice.
24th May 2018: Letter received from Link saying that " even though we are entitled to the full balance we are giving you the opportunity to pay by monthly instalments" The letter then has a direct debit box at the bottom!
25th June 2018: Letter from Link saying " we haven't wrote to you in a while as we needed to validate your address, and what are your intentions regarding payment of this debt". Weird that they needed to validate my address! Ignored
10th August 2018: LET US HELP YOU GET BACK ON TRACK letter received from Link. Also states that the debt was previously owned by Asset Link (no5) and is now being serviced by Link Financial!
5th September 2018: Letter from Link saying "we have tried to contact you and we are sure you intend to pay back this debt, please contact us'
12th October 2018: Arrears letter sent from Link
18th November 218: Letter from BARCLAYCARD saying i am owed money and i have to contact them, but right at the bottom is says 'as your account has been sold to Link financial we have asked them to reduce your balance' Buggers!!

2019

10th January 2019: Letter from Link saying they have not heard from me but are willing to let me pay off the date in monthly installments. Please fill in the direct debit mandate and send back to them.
18th Feb 2019: Harrassment by telephone letter sent to link after numerous calls
2nd May 2019: Statement of arrears letter sent from Link
27th October 2019: Statement of arrears letter sent from Link

2020

11th March 2020: Link send letter ' we have not written to you for a while as we had to locate your address, please contact us...'
29th March 2020: Statement of account received from Link
27th April 2020: 'Let us help you get back on track' letter received.
9th June 2020: Letter asking to organise a time to talk to you.... we know debt can be a worrying time etc etc....
25th June 2020: Let us help you get back on track' letter received.
27th September 2020: Statement of account letter sent.

2021

28th March 2021: Statement of account sent.

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Ok, let me know if I am doing this all wrong! I am a newb so go easy on me ?

Debt #1

• Type of account: Credit Card MBNA (formerly Virgin)
• Date commenced: July 2006
• Approx balance: £9,300
• Date last paid: last Full payment made via DMP in January 2017. Reduced payment in February. Missed payment in March.
• Are you on arrangement or not paying: Currently not paying
• Status: Account Defaulted November 2016 NOW STATUTE BARRED FEB 2023
• Account owner : PRA group
• CCA received: Yes, includes signed agreement but not all terms and conditions are included in the document. It asks me to click on a link to view.

CCA request sent to PRA early March 2017. Nothing received yet; no phone calls, just a letter saying we have received the request and will seek the info.

I did phone PRA group once a few months back (on the advice of Stepchange!!) before i had researched all this, and i may have admitted this debt (i cannot recall all the convo) SC told me to call them to tell them i will be missing a payment! I know now, that calling them was a rookie error. Hopefully i haven't stiffed myself here if this ever were to reach court!

April 13th 2017: Letter received from PRA group supposedly fulfilling their obligations regarding my CCA. It has reams of statements from MBNA, and a 2 page agreement with some tick boxes... I was hoping they would spend about 6 months trying to find this info, as it was a pre 2007 card! ?
April 18th 2017: CCA scanned to Niddy and the crew ? awaiting confirmation on whether enforceable or not. Niddy thinks it looks ok as there is a tick box signature. Spoke to Di who said the T&Cs were on a click link, and that they should all be contained in same document.
May 24th 2017: Phone-call from PRA chasing up. Told them i will not give any personal info over the phone.Write to me!
May 31st 2017: Letter received advising I need to contact them in 7 days to arrange a 'mutually acceptable agreement'
May 31st 2017: Letter received on the same day advising that i can have a one-off discounted payment of about £1000 less.
5th June 2017: Phone-call from PRA Group. Failed security. Asked me to call them regarding letter
6th June 2017: Phone-call from PRA Group. Ignored. Actually, I hung up.
12th June2017: Phone call to house phone and mobile. Started to cause issues at home!
13th June 2017: Phone call to house and mobile!
14th June 2017: Phone call to house and mobile.
5th July 2017: Another ' could you settle your account?' letter received. 'We want to make sure you are getting the help you need to manage your debts' Pffft!
17th August 2017: Arrears letter from PRA saying they could add fees and interest on. Also a letter included saying i could settle my account!
19th September 2017: Another letter from PRA offering me a discount. Will ignore.
27th November 2017: Another letter from PRA offering me a discount. A little bit more off this time. Ignored.

2018

12th January 2018: Another letter from PRA offering me a discount. I have until 2nd Feb to come back to them. Ignored.
28th February 2018: Yearly statement of account letter sent by PRA
6th April 2018: Another 'could you settle your account letter' sent by PRA.
23rd May 2018: Another 'could you settle your account letter' sent by PRA. I have until 15th June.
29th June 2018: Another 'could you settle your account' letter set by PRA. They have offered me to pay £6500 to clear the debt.
18th August 2018: Annnnd another 'could you settle your account' letter set by PRA. They have offered me to pay £6500 to clear the debt.
24th October 2018: Another 'could you settle your account' letter. Offering a £2k discount on the balance. I have till 16th November to take this up.
12th December 2018: Another 'could you settle your account' letter.

2019

21st January 2019: Another 'could you settle your account' letter.
7th March 2019: Statement sent from PRA.
28th March 2019: Email sent from PRA saying ' pay the amount below to settle your debt' The amount to pay is now about £3k.
14th June 2019: Email from PRA offering me a chance to pay discounted rate, around £3k
15th July 2019: Email from PRA offering me a discount - same amount as previously.
15th August 2019: Email from PRA offering me a discount again - £3190
17th September 2019: Email from PRA offering me a discount again - £3190
28th September 2019: Letter from PRA to old address saying 'you still have not paid us etc... contact us by 5th October or we will be passing on your account to Credit Security Ltd to deal with on our behalf'
21st October 2019: Letter from Credit security to contact them, and that they are working on behalf of PRA
5th November 2019: Letter from cabot 'NOTICE OF CONTINUED ACTION' collection activity will continue.

2020

2nd January 2020: Letter from CSL offering me a discount. Offer Valid for 3 days (discount: 4k )
17th January 2020: Letter from CSL "FINAL NOTICE" i have 10 days to respond or it will be returned to PRA who may consider further action
21st February 2020: Account summary letter received
23rd June 2020: We haven't spoken in a long time and have been given this address for you letter received
14th July 2020: A getting in touch letter, we know times are tough, if you've been affected by coronavirus etc...

2022

January 2022 - August 2022: NUMEROUS emails from PRA asking to 'get in touch' '50% discount' ' times can be tough' etc...

2023 - Occasional emails oferring 65% discounts.

2024 - Emails offering 65% discounts

[Brusselsprout]

Re: Let the fun commence - 6 year journey starts here!

Thanks for the welcome Niddy Will list debts soon...

[Never-In-Doubt]

Re: Let the fun commence - 6 year journey starts here!

Hi & welcome

All DMC's are a joke. They're funded by the banks - hence they're free. So of course they want you setting up payment plans - it keeps their CEO's in employment

keep reading & learning. You're on the leading consumer debt forum so you'll be fine

[Brusselsprout]

Hi guys and gals

After a lot of researching and googling, i have decided to make nest on AAD

I will list my debts soon, but to summarise i have 8 debts totalling around £35,000 (Eeeek!). It was £42,000 but i was diligently paying into a DMP via Stepchange for the last year. Now 3 of the larger debts have been sold to DCAs, i have decided to fight back.I didn't pay SC last month, and i had to reduce the payment the month before, so they will no doubt kick me off the DMP for not being a good boy, and paying these DCAs (or vultures!). I have sent off my CCAs to my creditors in mid March, and yet to hear from them. One is a pre 2007 MBNA (formally Virgin) card, now being managed by PRA, so hoping for some unenforceable news on that one!

I lost faith in Stepchange when i questioned them about the legitimacy of the DCAs right on my balances, and asked their advice on whether to send CCAs. They just blew me off,and didn't even want to entertain the idea. The fact i have been paying DCAs for about 6 months irritates me!! after all i have read also...Anyway, i won't rant too much, but will no doubt have more ranting to do at a later date.

It would be interesting to know the views of others on Stepchange... i feel i have wasted a year paying into this DMP!! **kicks self**

Anyway, i will study the 'how to' guide to making a diary, and will be back with my list of debts soon

Thanks

Brussel