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Sorry for all the updates, I just wanted to put all the accounts in one place again.
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Sept 2018 - Several statements of account have been sent since last up dated.[/QUOTE]Originally posted by unicorndeva View PostRe: Start of my unenforceabilty journey
Owned by Natwest, managed by Wescot
Bank loan and overdraft (combined by creditor for the DMP)
Loan commenced in July 2007, overdraft bank account commenced in the 1980's
£18800 outstanding
Last full payment in 2010/11
Being paid on a DMP
Defaulted
CCA request sent end of Feb 2017. Wescot wrote back advising us to request it from Natwest direct.
New CCA request sent 15th May 2017
23rd Oct 2017 - Letter from NatWest admitting the debt is unenforceable but asking us to pay anyway. I'll guard this with my life!
When you say NatWest "combined" your bank loan and overdraft do you mean that they effectively closed one or other or even both of the accounts and gave the new account a new reference number?
When you sent your s 77-79 CCA Request to NatWest did you put the loan account number or the bank account number or the DMP reference number on your request?
I ask in order to establish which of the two accounts is being considered as unenforceable by NatWest. Hopefully the answer will be both accounts due to a possible error by the bank.
Keep that letter safe in case they assign the account to a debt purchaser at a later date.
Di
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Originally posted by unicorndeva View Post
So nothing more from Arrow since December last year. That's good to hear
I don't know why they wrote to tell you that they had defaulted the account because the account should have been defaulted and terminated before it was assigned to them.
Perhaps that's why they have given up on this one.
DiComment
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Originally posted by unicorndeva View Post
Yes, just file that one away for now and post up each time you hear from PRA.
Whatever happens don't tell them about the wrong address on the reconstituted credit agreement (Ts & Cs) in case they make an effort to find the correct address and reconstitute another one!
DiComment
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Originally posted by unicorndeva View Post
When was this account assigned to Link, and when did you send the CCA Request to them (or did you send it to MBNA before the assignment?)?
DiComment
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Originally posted by unicorndeva View Post
When you say "both defaulted" do you mean there were two current accounts or do you mean that there was one joint account and both/each of you were defaulted?
DiComment
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Originally posted by Diana Mayhew View Post
When you say NatWest "combined" your bank loan and overdraft do you mean that they effectively closed one or other or even both of the accounts and gave the new account a new reference number?
When you sent your s 77-79 CCA Request to NatWest did you put the loan account number or the bank account number or the DMP reference number on your request?
I ask in order to establish which of the two accounts is being considered as unenforceable by NatWest. Hopefully the answer will be both accounts due to a possible error by the bank.
Keep that letter safe in case they assign the account to a debt purchaser at a later date.
Di
[/QUOTE]
We have 3 account numbers: 1 for the loan, 1 for the overdraft and a third combining the two... this is why I think they have told us it's unenforceable.Comment
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Originally posted by unicorndeva View Post
That sounds like good news to me considering the size of the debt!
When was this account assigned to Cabot and how long was that before you sent your CCA Request to them in February 2017?
In some instances a debt purchaser can return the debt to the original creditor within a defined time limit. The original creditor may then decide to assign it to someone else.
Hopefully that won't happen but you did ask the question so I thought I should answer it
DiComment
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Owned by Barclays
Overdraft
Unsure of start date
£670
Last full payments were in 2010/11
Being paid on a DMP
Both defaulted and may not be on our credit file (will have to check).
August 2017 - SARS requested
When you say "both defaulted" do you mean there were two current accounts or do you mean that there was one joint account and both/each of you were defaulted?
Di
There was one joint account and one account in my name. Both were defaulted and are off our credit files now.
These are strange ones as I was going to send the cca for bank accounts request but, as I haven't heard anything since the SARS request was sent I thought I'd leave it. Is that the right thing to do?
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Owned by Link originally MBNA
Credit card
Started 2006
£7900 outstanding
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).
CCA returned and checked by Niddy - UE
Owned by Link
09/09/2018 - Several chasing letters have been sent sincle last updated
When was this account assigned to Link, and when did you send the CCA Request to them (or did you send it to MBNA before the assignment?)?
Di
Link have had this one for years... since we started our DMP. The CCA request was sent to Link last February.Comment
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Owned by Cabot original creditor NRAM
Bank Loan
Commenced 2005
£13400 outstanding
Last full payments were in 2010/11
Being paid on a DMP
Defaulted
CCA request Feb 2017
Letter from Cabot saying 'Northern Rock are unlikely to be able to provide the requested documentation. Therefore, I can confirm that Cabot have taken the decision to no longer pursue collection on this account. However the debt still remains.'
Does this mean they will sell it on and if so what do I do?
24/5/17 - Unenforceable letter received
That sounds like good news to me considering the size of the debt!
When was this account assigned to Cabot and how long was that before you sent your CCA Request to them in February 2017?
In some instances a debt purchaser can return the debt to the original creditor within a defined time limit. The original creditor may then decide to assign it to someone else.
Hopefully that won't happen but you did ask the question so I thought I should answer it
Di
Cabot have owned this one for years, since we started our DMP which was in 2011 (I think but will have to check).Comment
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Di, and everyone else on this forum, thank you so much for all your help with these debts. I cannot say enough what it means to meOriginally posted by Diana Mayhew View Post
No need to say sorry. We like updates
Di
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wned by Link, originally Barclaycard
Credit card
Unsure of start date
£1000
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).
CCA requested Feb 2017
15/06/17 Letter from Link returning a CCA from Barclaycard which is actually just the T's and C's (no agreement), but it has two different addresses on. Sent to Niddy for checking.
29/06/17 Niddy says it's UE
5/9/2018 - Several chasing letters from Link this year
12/09/18 - Another chasing letter.Comment
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good job your running fasterOriginally posted by unicorndeva View Postwned by Link, originally Barclaycard
Credit card
Unsure of start date
£1000
Last full payments were in 2010/11
Being paid on a DMP
Defaulted and may not be on our credit file (will have to check).
CCA requested Feb 2017
15/06/17 Letter from Link returning a CCA from Barclaycard which is actually just the T's and C's (no agreement), but it has two different addresses on. Sent to Niddy for checking.
29/06/17 Niddy says it's UE
5/9/2018 - Several chasing letters from Link this year
12/09/18 - Another chasing letter.
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