Let the fun commence - 6 year journey starts here!

[Brusselsprout]

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

Unfortunately you cant second guess them! Wait until they send a CCA and then decide on the next steps.Whilst they haven't sent the CCA they can't enforce. Don't remind them; an enforceable agreement may also have flaws in other documents

Ok,thanks Cymruambyth

I'll sit back and wait

[Brusselsprout]

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

DEBT #4

• Type of account: Nationwide Credit card
• Date commenced: September 2012
• Approx balance: £4,200
• 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: In arrears
• Account owner : Nationwide

Sent a CCA early March 2017. No response from them. I understand this will no doubt be enforceable but just want to see what they send anyway
24th March 2017: CCA signed for at Nationwide.
25th April 2017: Still no response regarding CCA request.
May 12th 2017: Arrears letter received, and it appears to show that a partial payment of £1 has been made to the account in March. My CCA request standing order payment maybe!

Hi Guys

Received an arrears letter today from Nationwide regarding my credit card account, and it appears that they have used my £1 CCA request payment as a payment towards my account! Cheeky! Do i need to tell them that they have done this? They have still not provided my CCA request! Could this be a case of somebody at Nationwide making a simple error? or tactics?!
Cheers
Brussel

[cymruambyth]

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

Keep a record showing how they have used the £1. as above, do not tell them anything!

[nanna58]

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

Seconded keeping things up your sleeve is key x

[Brusselsprout]

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

ok, thanks guys...The letter will be stored with the other 400, i have!

[Brusselsprout]

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

Oh - really!! Well there is hope after all - will deffo send to solicitors as your odds have probably increased somewhat!

You'll get my email shortly, good luck

Hi Niddy / Guys

I was just wondering what to do with this one please. I know an email has been sent to the team, as there may be something that can be done. But I haven't had any responses as of yet, so I am currently in limbo with this one. You (Niddy) thought the CCA was good, and compliant when i sent it, but as it was a Virgin card originally, you mentioned there may be hope... I understand everyone is busy with other stuff, and I really appreciate all the help and advice I have received so far, but I am a little stuck as to what to do with this one at the moment, so any advice/update would be greatly appreciated. If I have to pay up, then fine, but I just need to know what the situation is really, so i can best plan my next course of action

Thanks
Brussel

[Pixie]

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

I'll flag your post to Niddy Brusselsprout.

[Brusselsprout]

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

I'll flag your post to Niddy Brusselsprout.

Thanks Pixie

[Never-In-Doubt]

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

I've emailed you at the time. Have you got it / checked spam folder etc?

[Brusselsprout]

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

I've emailed you at the time. Have you got it / checked spam folder etc?

Hi Niddy

Yes, i got the original email from you where you CC'd me in asking others to take a look at the CCA, but I never received a response from that email from Di or Jo advising on the CCA. I cannot see anything in my spam/junk folder either...
Thanks
Brussel

[Never-In-Doubt]

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

Hi Niddy

Yes, i got the original email from you where you CC'd me in asking others to take a look at the CCA, but I never received a response from that email from Di or Jo advising on the CCA. I cannot see anything in my spam/junk folder either...
Thanks
Brussel

Have you had a claim come in? I would chase them direct - ie send an email

[Joanna Connolly Solicitors]

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

i got the original email from you where you CC'd me in asking others to take a look at the CCA, but I never received a response from that email from Di or Jo advising on the CCA.

Your email has been received along with the 28 page attachment - albeit most of those were blank

Can you clarify when (what date) this account was assigned by MBNA to PRA?

When did you last make the full contractual (minimum monthly amount) payment?

I can see from your thread that you made payments via a DMP until January 2017 but were they agreed (ATP) or reduced payments (less than the contractual minimum payment) ?

You've not posted any further updates on your thread so is it safe to assume you've not received a Letter Before Claim/Action or anything else from PRA since you were sent those documents in April?

Call me on the office number in my signature on Thursday or Friday.

Di

[Brusselsprout]

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

Thanks Nidddy

Hi Diana

Thanks for coming back to me... Yes, the blank pages were because i tried to send another CCA over but scanned it upside down! Sorry about that! The blanks were separate to the PRA one though.

Last full contractual minimum payment to MBNA was back in December 2015. I have been on a DMP since January 2016.
Defaulted by MBNA in August 2016
MBNA assigned to PRA Group on the 19th December 2016.
The last payment was in January 2017, and this was an arrangement to pay (via DMP) that I originally had with MBNA, who then sold it on, and PRA accepted the arranged payment.

No claims received from PRA yet But they did call me today!

Thanks for your help
Brussel

[The Tech Clerk]

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

No claims received from PRA yet But they did call me today! Ah! Bless them!

[Brusselsprout]

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

No claims received from PRA yet But they did call me today! Ah! Bless them!

Ha, yep, bless 'em They did say they would only contact me by letter though, but i expect that is a lie, as it seemed to easy to get them to agree to that!!