Start of my unenforceabilty journey

[unicorndeva]

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.
05/09/17 - PRA sent statement of account

26/10/2018 - Letter received asking if I could settle my account, offering a pitiful reduction. They have deemed this account as unenforceable so I'm pretty sure I won't settle my account!!!

[unicorndeva]

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.

08/08/18 - Statement of account received

09/08/2018 - Account summary received.

28/09/2018 - A 'could you settle your account' letter received offering a pitiful reduction in the ammount owed.

This is one of the accounts which we keep getting phone calls for... we don't take the calls so not sure exactly which account they're chasing althougfh we have never received a copy agreement and they said on 31/5/17 the account is on hold until the documentation is received.

[Joanna Connolly Solicitors]

28/09/18 Letter from PRA asking us to call them to arrange settlement of the account. We have also had many phone calls to the house phone, my phone and my husbands phone all one after the other. In my letter to them last year I told them I do not give them permission to phone... are they breaching some law by phoning?

If you were paying Egg in 2010 is it possible that this account may have been bought by Barclaycard in May 2011 when they purchased Egg's credit card portfolio?

When was this debt assigned (sold) to PRA and did you receive a Notice of Assignment from PRA which said who they had purchased it from?

These changes aren't always obvious when you're in a DMP.

I see that PRA have not complied with your s77-79 CCA Request sent in February 2017. Is that still the case?

Is this ex-Egg account in your name or your husbands name? If you've both been receiving telephone calls could those be in relation to another debt in a joint name (if there is one) which PRA may have recently purchased which could explain the sudden flurry of phone calls?

I believe this forum has a template letter you can send to stop telephone harassment.

Di

[unicorndeva]

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.

08/08/18 - Statement of account received

28/09/18 Letter from PRA asking us to call them to arrange settlement of the account. We have also had many phone calls to the house phone, my phone and my husbands phone all one after the other. In my letter to them last year I told them I do not give them permission to phone... are they breaching some law by phoning?

[nightwatch]

they do take a break after a while it's their way of letting you know they care x

[unicorndeva]

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

09/09/2018 - Several chasing letters have been sent since last updated

15/09/18 - Another chasing letter (sigh!)

[unicorndeva]

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

13/09/18 And another chasing letter

[nightwatch]

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.

good job your running faster

[unicorndeva]

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.

[unicorndeva]

No need to say sorry. We like updates

Di

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 me

[unicorndeva]

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).

[unicorndeva]

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.

[unicorndeva]

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?

[Joanna Connolly Solicitors]

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

[unicorndeva]

Sept 2018 - Several statements of account have been sent since last up dated.

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.