Start of my unenforceabilty journey

[Joanna Connolly Solicitors]

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

[Joanna Connolly Solicitors]

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

[Joanna Connolly Solicitors]

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?
01/08/2017 - Statement of account from PRA

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!

Di

[Joanna Connolly Solicitors]

Originally posted by unicorndeva View Post
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.
1st Nov 2017 - Letter from Arrow confirming that they are unable to provide a copy agreement and that they will no longer be chasing the debt!

5/12/2017 Letter from Arrow defaulting the account.

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.

Di

[Joanna Connolly Solicitors]

Re: 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!

Sept 2018 - Several statements of account have been sent since last up dated.[/QUOTE]


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

[Joanna Connolly Solicitors]

Sorry for all the updates, I just wanted to put all the accounts in one place again.

No need to say sorry. We like updates

Di

[unicorndeva]

Sorry for all the updates, I just wanted to put all the accounts in one place again.

[unicorndeva]

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!

August 2018 - Still the same, just updating

[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

[unicorndeva]

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).

August 2017 - SARS requested

[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

[unicorndeva]

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.

Sorry this is a duplicate post and I cant see how to delete it!!!

[unicorndeva]

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.

08/08/2018 - Statement of account received

[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.

August 2017 - Statement of account received

[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