Start of my unenforceabilty journey

[unicorndeva]

Re: Start of my unenforceabilty journey

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

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by PRA Group original creditor, Egg
Credit card
Unsure of start date
£6100
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 request Feb 2017

Letter from PRA group saying they're still awaiting requested info and the account is on hold until they receive it.
10/06/17 Letter from PRA group enclosing a credit agreement from Barclaycard/Egg which is actually just the T's and C's (no copy agreement attached) and it is also for the incorrect person - same name as my OH but a completely different address in a town that neither of us have ever visited let alone lived in. PRA group have deemed it unenforceable until further info is received... do I just file away?

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by PRA Group, original creditor, Egg
Credit card
Unsure of start date
£5900
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 request sent Feb 2017

31/05/17 Letter from PRA Group saying they are still awaiting the requested documentation and the account is on hold until they receive it.

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by PRA Group, original creditor, Egg
Credit cards
Unsure of start date
££5700
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).

CCA request sent Feb 2017

31/05/17 Letter from PRA Group saying they are still awaiting the requested documentation and the account is on hold until they receive it.

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by Link, original creditor MBNA
Credit card
1994
£2450
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).

15/05/2017 CCA returned and checked by Niddy as UE

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by RBS Mint, managed by Wescot
Credit card
Unsure of start date
£2200
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 in Feb Wescot wrote back asking us to write to original creditor. New CCA request sent 15/5/2017

07/06/17 Agreement received. Sent to Niddy for checking.

12/06/17 Sadly, Niddy says it's enforceable

[unicorndeva]

Re: Start of my unenforceabilty journey

PRA Group, originally Barclaycard
Credit card
Unsure of start date
£1866.78
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).

CCA request sent Feb 2017

01/05/17 Letter from PRA Group saying they are still awaiting the requested documentation and the account is on hold until they receive it.
03/06/17 Letter from PRA Group enclosing a letter from Barclaycard saying there's a reconstituted copy of the credit agreement including terms attached (but it only looks like the terms are attached and those terms give one address for me on one part and another address for me on another part). PRA Group have said they currently deem the account as unenforceable and then give the usual blurb about how they still have the right to chase it etc.

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by NCO-Arrow/Capquest, originally Empire stores
Catalogue
Started in 1998
£1900
Last full payments were in 2010/11
Being paid on a DMP
Shown by Arrow as being satisfactory???

CCA request Feb 201
23/5/17 Letter from Arrow saying they're still awaiting the requested info.

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by Cabot, originally Sainsbury's bank
Credit card
Unsure of start date
£1180
Last full payments were in 2010/11
Being paid on a DMP
Defaulted

CCA requested Feb 17
Letter from Cabot saying they have not been able to provide the requested information within the relevant time period and that the credit agreement is currently unenforceable...yay! I'll just file this away!

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned 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.

[unicorndeva]

Re: Start of my unenforceabilty journey

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).

[unicorndeva]

Re: Start of my unenforceabilty journey

Owned by Barclays
Overdraft
Unsure of start date
£320
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).

[unicorndeva]

Re: Start of my unenforceabilty journey

Hope I've done this correctly?

[The Tech Clerk]

Re: Start of my unenforceabilty journey

14 different debts/// or am I seeing double? case of failure to check out applicants file and debts listed by some of these creditors?

[Pixie]

Re: Start of my unenforceabilty journey

14 debts isn't unusual.

Thank you for setting out your debts individually unicorndeva. It might be an idea to go back and edit your posts to put the original creditor at the top of each post (as in my diary) as it will make them easier to refer to.