Invisible Man's UE diary

[InvisibleMan]

[QUOTE=InvisibleMan;n1519110][QUOTE=InvisibleMan;n1376888]Re: Invisible Man's UE diary

HALIFAX (BANK of SCOTLAND)

Credit card
Date commenced: 2002
Balance approx: £4,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: PRA

Key:
Red text = creditor action
blue text = my action
green text = comment


2009
Sept S.87 default notice served by Halifax
2010
Feb 1st SAR sent to Halifax
Feb 19th Reply from Halifax. Includes Recon copy of 'agreement', which appears to be just T&Cs (See my comment at bottom of post). State they will send original agreement under separate cover. Warning about not using the services of a claims management company!
Mar 1st Send letter to Halifax pointing out I made a subject access request, not S.78, therefore I want a copy of the original agreement. They did not respond to this letter
Mar 6th Letter from Halifax admitting they are unable to provide a copy of the original agreement
2013
July 8th Letter from Halifax stating account assigned to Activ Kapital
July 8th Letter from Aktiv Kapital stating they have purchased account from LLoyds(!?). Since then it has always been referred to as a Lloyds account
2014
Nov letter received saying Activ Kapital has changed name to PRA Group
2015
Jan letter received saying account assigned to PRA No notice of assignment received
2017
Jan Stopped payments
May letter received demanding payment Ignored
June letter before claim received from PRA investigation & litigation dept. Letter demands response within x days or court proceedings will be issued
June 6th S.77-79 & LBA request letters sent to PRA
June 14th Letter recvd from PRA in response to CCA request stating account on hold whilst they obtain requested information.
June16th Letter recvd from PRA asking me to complete and return income & expenditure. Ignored
June 18th Agreement sent to to Niddy

Apart from the recon 'agreement' Halifax sent me above in response to SAR, I also have what I believe may be an original, similar, document when opening the account. However, they have very different content. Both sent to Niddy

June 25th Niddy says the 'agreements' are just random terms, so are Advised to send missing PTs template if they pursue it

August 2018 - over a year later - letter received from PRA in response to my S.77-79 & LBA request, enclosing a 'copy' of alleged agreement. Ignored.
November 2018 Letter before Claim received from PRA dated November, requiring response deadline later in December
December 2018 Agreement sent to Niddy
December 12th Niddy says the latest agreement is illegible and missing terms, so is

[InvisibleMan]

Nice to hear from you again Invisible man

Can you just confirm something please?

In November 2018 you state that you have received a letter before claim from PRA?

Could you describe the letter without giving personal details ( I want to guage if this is a formal letter before claim ) AND tell me If you have replied and if not the date this needs to be replied to........

Is there a series of boxes that you need to tick in answer to questions etc?

Thanks Spud,

their letter to me states "This is a letter before claim" and is signed by Taobane Lahila, head of investigations and litigation. It refers to them giving me notice of their intention to issue court proceedings against me. I haven't replied. The date for response is a week from now. There is a reply form with tick boxes etc.

Cheers
IM

[Spud]

Nice to hear from you again Invisible man

Can you just confirm something please?

In November 2018 you state that you have received a letter before claim from PRA?

Could you describe the letter without giving personal details ( I want to guage if this is a formal letter before claim ) AND tell me If you have replied and if not the date this needs to be replied to........

Is there a series of boxes that you need to tick in answer to questions etc?

[InvisibleMan]

I've been recovering from a bad car accident the last few weeks and hadn't opened post. Sod's law, this is what I found today. I will send agreement to Niddy now. Any suggestions how to respond gratefully received.

[InvisibleMan]

[QUOTE=InvisibleMan;n1376888]Re: Invisible Man's UE diary

HALIFAX (BANK of SCOTLAND)

Credit card
Date commenced: 2002
Balance approx: £4,000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: PRA

Key:
Red text = creditor action
blue text = my action
green text = comment


2009
Sept S.87 default notice served by Halifax
2010
Feb 1st SAR sent to Halifax
Feb 19th Reply from Halifax. Includes Recon copy of 'agreement', which appears to be just T&Cs (See my comment at bottom of post). State they will send original agreement under separate cover. Warning about not using the services of a claims management company!
Mar 1st Send letter to Halifax pointing out I made a subject access request, not S.78, therefore I want a copy of the original agreement. They did not respond to this letter
Mar 6th Letter from Halifax admitting they are unable to provide a copy of the original agreement
2013
July 8th Letter from Halifax stating account assigned to Activ Kapital
July 8th Letter from Aktiv Kapital stating they have purchased account from LLoyds(!?). Since then it has always been referred to as a Lloyds account
2014
Nov letter received saying Activ Kapital has changed name to PRA Group
2015
Jan letter received saying account assigned to PRA No notice of assignment received
2017
Jan Stopped payments
May letter received demanding payment Ignored
June letter before claim received from PRA investigation & litigation dept. Letter demands response within x days or court proceedings will be issued
June 6th S.77-79 & LBA request letters sent to PRA
June 14th Letter recvd from PRA in response to CCA request stating account on hold whilst they obtain requested information.
June16th Letter recvd from PRA asking me to complete and return income & expenditure. Ignored
June 18th Agreement sent to to Niddy

Apart from the recon 'agreement' Halifax sent me above in response to SAR, I also have what I believe may be an original, similar, document when opening the account. However, they have very different content. Both sent to Niddy

June 25th Niddy says the 'agreements' are just random terms, so are Advised to send missing PTs template if they pursue it

August 2018 - over a year later - letter received from PRA in response to my S.77-79 & LBA request, enclosing a 'copy' of alleged agreement. Ignored.
November 2018 Letter before Claim received from PRA dated November, requiring response deadline later in December
December 2018 Agreement sent to Niddy
December 12th Niddy says the latest agreement is illegible and missing terms, so is

[Joanna Connolly Solicitors]

I can't believe it's been so long since I've posted on my diary. Huge apologies to everyone, I feel like I've let the side down! Afraid life has overtaken me in recent times but don't want to bore you all with self-pity. I haven't lost interest, and am still determined to complete my diary. The surprising thing is that, over the past months so little has happened with DCAs etc, when you would think they would be all over me. Not that I'm growing complacent. I've had a couple of encouraging results - will update diary shortly - but otherwise just chase letters. Anyways I need to get back on track with the diary, and catch up with what has been happening. Sorry again.

I see it as a good thing that you've not felt the need to update your Diary for nearly a year. No need to apologise!

However I'm keen to hear about the "encouraging results" when you're ready to share

Di

[InvisibleMan]

Thanks Spud, comforting words. I know I won't be the first, or last, to tread this path. It's great to have somewhere to come to where you know there are like minded folks. The best reason not to keep away! Thanks again mate.

[Spud]

It does kinda get lonely mid way through the UR process doesn't it?

Nobody writes any more and the calls have stopped.........Still there are worse places to be....... I'm glad its all going well on the UE front anyway

With regard to the other issues......... I hope they get resolved and as and when you get things back into gear.......You know where we all are

[InvisibleMan]

Hi Everyone,
I can't believe it's been so long since I've posted on my diary. Huge apologies to everyone, I feel like I've let the side down! Afraid life has overtaken me in recent times but don't want to bore you all with self-pity. I haven't lost interest, and am still determined to complete my diary. The surprising thing is that, over the past months so little has happened with DCAs etc, when you would think they would be all over me. Not that I'm growing complacent. I've had a couple of encouraging results - will update diary shortly - but otherwise just chase letters. Anyways I need to get back on track with the diary, and catch up with what has been happening. Sorry again.
Best wishes
Me

[Joanna Connolly Solicitors]

BT went through a phase where they automatically renewed a customer's contract for a further 12 months at the end of the initial 12 months. That was stopped by their regulator although I can't remember exactly when.

It's not a massive debt in the grand scheme of things so take the temperature of the correspondence and if they make legal threats you could ask them to prove the debt.

Di

[InvisibleMan]

Check your records to be certain it's SB.

Was it a BT broadband contract which you positively cancelled at the time you stopped paying them? Could there have been a minimum contract which you walked away from early? Last payment is not the only way to determine SB.

It's always wise to do your homework so you're ready for anything they throw at you.

Di

It was a combined Post Office phone/broadband package. The contract was for a year and I terminated after about 18 months. I don't have any paperwork so am going by memory. I've checked my online bank account and can see that I made the last payment in May 2011. All I remember is that when I closed the account I paid the outstanding bill.

Thanks Di

[Joanna Connolly Solicitors]

Am I best ignoring everything unless they get litigious? I thought about sending a Prove it letter but as it's going to be SB by now

Check your records to be certain it's SB.

Was it a BT broadband contract which you positively cancelled at the time you stopped paying them? Could there have been a minimum contract which you walked away from early? Last payment is not the only way to determine SB.

It's always wise to do your homework so you're ready for anything they throw at you.

Di

[InvisibleMan]

Someone may say differently, I wouldnt send anything untill they start to get threatening .x

Thanks Nanna, I agree

[nanna58]

Someone may say differently, I wouldnt send anything untill they start to get threatening .x

[InvisibleMan]

Post Office

Broadband account
Date commenced: 2009
Approx balance: £150
Date last full payment: 2010
Currently not paying
Status chase letters only to date
Account owner: Jefferson Capital International
DCA: Pastdue

Key:
creditor action
my action
comment

2009

opened broadband account with Post Office

2010

Closed account, paying final balance

2014

Mar Letter from Roxburghe dca, claiming I owe Post Office £150.
I reply stating I acknowledge no debt and don't know what they're talking about. Hear nothing more from them

2016

Feb Letter from Jefferson Capital International Acquisition stating 'debt' assigned to them from Post Office as of Dec 2015. Also states Pastdue credit solutions is managing the account. Enclosed with the letter is a chase letter from Past due. Both ignored.

The only account I ever had with Post Office was a broadband account, but had paid off the final balance, so have no idea what they're on about. I wasn't going to bother including it in the diary as I figured it is SB by now, even though I dispute owing them a penny. But I might as well include everything

July 21st Chase letter from Tenron Credit Management. Ignored

UPDATE

Am I best ignoring everything unless they get litigious? I thought about sending a Prove it letter but as it's going to be SB by now I can't see the point?