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RhodriMawr's UE Journey

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  • RhodriMawr's UE Journey

    Barclaycard Visa
    Type of Account - Credit Card
    Date Commenced – Approx 1996
    Approx Balance - £7,514.06
    Date Last Paid - > 9 Years Ago
    Arrangement – The Debt Charity Formerly Known as CCCS

    Status – Last Payment February 2017
    Account Owner – Cabot Financial Europe
    2017
    March 21st– CCA Request sent
    Last edited by RhodriMawr; 25th April 2017, 20:35.

  • #2
    Re: RhodriMawr's UE Journey

    First National Tricity Finance
    Type of Account
    Date Commenced – Approx 2002
    Approx Balance - £1848:10
    Date Last Paid - > 9 Years Ago
    Arrangement – The Debt Charity Formerly Known as CCCS
    Status – Last Payment February 2017
    Account Owner – PRA Group
    2017
    March 21st -S77 Agreement Request Sent
    April 1st – Reply stating that due to the age of the debt no paperwork could be supplied and the debt is unenforceable, however collection activity will continue.

    Comment


    • #3
      Re: RhodriMawr's UE Journey

      Type of Account - Monument Credit Card
      Date Commenced – Approx 2003
      Approx Balance - £2088
      Date Last Paid - > 9 Years Ago
      Arrangement – The Debt Charity Formerly Known as CCCS
      Status – Last Payment February 2017
      Account Owner – NCO Arrow
      2017
      March 21st – CCA request sent
      April 3rd - Reply from NCO Arrow stating that they are not the creditor as envisaged by the Consumer Credit Act 1974 but will process my request with the creditor while suspending collection activity.
      April 6th – Letter from NCO Resolve asking me to contact them urgently as I have missed two payments and outlining further actions that may be taken (ignored).
      April 20th - Letter from NCO Resolve warning that if I fail to repay the amounts due they will take steps to terminate my loan agreement and register a default with the Credit Reference Agencies.




      Last edited by RhodriMawr; 25th April 2017, 20:13.

      Comment


      • #4
        Re: RhodriMawr's UE Journey

        Barclaycard Mastercard
        Type of Account - Credit Card
        Date Commenced – Approx 1998
        Approx Balance - £4710
        Date Last Paid - > 9 Years Ago
        Arrangement – The Debt Charity Formerly Known as CCCS
        Status – Last Payment February 2017
        Account Owner – Cabot Financial Europe
        2017
        March 21st– CCA Request sent

        Comment


        • #5
          Re: RhodriMawr's UE Journey

          Type of Account – RBS Mint Credit Card
          Date Commenced – Approx 2000
          Approx Balance - £6863
          Date Last Paid - > 9 Years Ago
          Arrangement – The Debt Charity Formerly Known as CCCS
          Status – Last Payment February 2017
          Account Owner – Westcot Credit Services (Acting on Behalf of RBS)
          2017
          March 21st – CCA Request Sent.

          April 26th - Letter received from RBS stating that the card agreement had been misfiled and they have been unable to locate. The debt is currently unenforceable.
          Last edited by RhodriMawr; 27th April 2017, 21:07.

          Comment


          • #6
            Re: RhodriMawr's UE Journey

            RBS
            Type of Account – Direct Line Credit Card
            Date Commenced – Approx 2000
            Approx Balance - £3290
            Date Last Paid - > 9 Years Ago
            Arrangement – The Debt Charity Formerly Known as CCCS
            Status – Last Payment February 2017
            Account Owner – Westcot Credit Services (Acting on Behalf of RBS)
            2017
            March 21st – CCA Request Sent.

            April 26th - Letter received from RBS stating that the card agreement had been misfiled and they have been unable to locate. The debt is currently unenforceable.
            Last edited by RhodriMawr; 29th April 2017, 10:19.

            Comment


            • #7
              Re: RhodriMawr's UE Journey

              RBS
              Type of Account – Inactive Creditor (Possibly a Nat West Credit Card)
              Date Commenced – Approx 2000
              Approx Balance - £3601
              Date Last Paid - > 9 Years Ago
              Arrangement – The Debt Charity Formerly Known as CCCS
              Status – Last Payment February 2017
              Account Owner – Westcot Credit Services (Acting on Behalf of RBS)
              2017
              March 21st – CCA Request Sent to Wescot.
              Last edited by RhodriMawr; 30th April 2017, 13:26.

              Comment


              • #8
                Re: RhodriMawr's UE Journey

                Robinson Way
                Type of Account – Tesco Credit Card
                Date Commenced – Approx 2000
                Approx Balance - £6854
                Date Last Paid - > 9 Years Ago
                Arrangement – The Debt Charity Formerly Known as CCCS
                Status – Last Payment February 2017
                Account Owner – Robinson Way
                2017
                March 21st – CCA Request Sent.

                Comment


                • #9
                  Re: RhodriMawr's UE Journey

                  Robinson Way
                  Type of Account – Lloyds TSB Credit Card
                  Date Commenced – Approx 2000
                  Approx Balance - £4324
                  Date Last Paid - > 9 Years Ago
                  Arrangement – The Debt Charity Formerly Known as CCCS
                  Status – Last Payment February 2017
                  Account Owner – Robinson Way
                  2017
                  March 21st – CCA Request Sent.

                  April27th - Letter received from RW dated April 22nd stating that they have been informed by their client that the CCA request had been actioned and the relevant documents posted to me. Nothing received so far.
                  Last edited by RhodriMawr; 27th April 2017, 21:00.

                  Comment


                  • #10
                    Re: RhodriMawr's UE Journey

                    Type of Account – Lombard Direct CC
                    Date Commenced – November 1999
                    Approx Balance - £197
                    Date Last Paid - > 9 Years Ago
                    Arrangement – The Debt Charity Formerly Known as CCCS
                    Status – Last Payment February 2017
                    Account Owner – Westcot (Acting for RBS)
                    2017
                    March 21st – CCA Request Sent.
                    Last edited by RhodriMawr; 30th April 2017, 13:15.

                    Comment


                    • #11
                      Re: RhodriMawr's UE Journey
                      Capital One
                      Type of Account
                      Date Commenced – Approx 2000
                      Approx Balance - £1848:10
                      Date Last Paid - > 9 Years Ago
                      Arrangement – The Debt Charity Formerly Known as CCCS
                      Status – Last Payment February 2017
                      Account Owner – Capital One

                      21/03/2017 CCA request sent

                      07/04/2017 - Reply received with reconstituted copy of the original agreement which included my signature. Sent to Niddy replied as "Looks Dodgy" no further actions taken so far.

                      Last edited by RhodriMawr; 17th June 2017, 15:53.

                      Comment


                      • #12
                        Re: RhodriMawr's UE Journey

                        That's good to see, at present they are all UE because CCAs haven't been supplied within 12+2 days. You will need to review when you receive any agreements as they can supply them at any time.
                        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                        Comment


                        • #13
                          Re: RhodriMawr's UE Journey

                          Thanks, early days but long may it continue

                          Comment


                          • #14
                            Re: RhodriMawr's UE Journey

                            April 26th - Letter received from RBS stating that the card agreement had been misfiled and they have been unable to locate. The debt is currently unenforceable.

                            Comment


                            • #15
                              Re: RhodriMawr's UE Journey

                              you keep those letters very safe. mark on the envelope when they were received, then if anyone starts getting heavy they can be used to slow things down
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                              Comment

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