Invisible Man's UE diary

[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

Sept 25th Letter from Moriarty Law threatening to issue proceedings if I don't pay up within 14 days. Prove it letter sent.

[InvisibleMan]

Post Office

[InvisibleMan]

Yes, that makes sense, and it isn't really worth arguing about with them.

thanks
IM

[Joanna Connolly Solicitors]

^ ^ ^ Actually that may not be a bad thing when you think about it.

If the SAR package is delivered to your local Barclays' branch for collection on presentation of your ID (signed Passport or Driving Licence) then they won't have had sight of your signature before preparing the information.

This means there can be no possibility of them copying your signature onto documents if they haven't already got it on file.

I'm not suggesting that they would I hasten to add, but it's something that consumers worry about.

Di

[InvisibleMan]

Re: Invisible Man's UE diary

BARCLAYS (LOAN)

Unsecured loan
Date commenced: 2008
Balance approx: £20,000
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

"Pre-approved" online loan given when I was a Barclays customer

2009
July s.87 Default Notice served by Barclays
2016
account assigned to PRA. Letter received from Barclays informing change of ownership
2017
January Stopped payments
May chase letter received offering discount Ignored
June 8th sec.77-79 CCA request sent
June 14th Letter from PRA stating account on hold Ignored
June 16th SAR sent to Barclays
June 30th Letter from Barclays re the SAR, asking me to nominate a branch for them to despatch the SAR docs to, and that I will need to provide ID (passport, driving licence etc) in order to collect them. Apparently this is because I have changed address. Why can't they just post them to me?

UPDATE

[InvisibleMan]

Re: Invisible Man's UE diary

SAINSBURYS BANK 1

Credit card
Date commenced: 2008
Approx balance: £3000
Date last full payment: 2009
Currently not paying
Status in arrears, defaulted 2009
Account owner: Arrow Global
DCA: Moorcroft

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

2009
April DMP started
Aug S87 default notice served
Oct 31st Notice of intended litigation from Moorcroft
2010
Jan 7th Send letter to Moorcroft requesting docs under CPR
Jan 22nd Moorcroft reply stating they are in the process of obtaining a copy of the consumer credit agreement.
Feb 15th Moorcroft letter enclosing "requested documentation". All it contains is copy statements, but no agreement. The agreement was never supplied.
2017
Jan Stop DMP payments
Mar 17th Moorcroft send settlement offer. ignored
June 15th Letter from Moorcroft stating they are trying to contact me. Ignored
June 16th Receive statement of account from - wait for it - Arrow Global, also informing me that the account was assigned to them in April 2013, and that Moorcroft are managing the account on their behalf.
Nice of them to tell me the account was assigned 4 years ago, as I've never previously received any notice of this I have never sent a SAR or CCA request.
22nd June s.77-79 CCA request sent to Arrow Global
22nd JuneSAR sent to Sainsburys
30th JuneLetter from Sainsburys re the SAR, asking me to sign on the dotted line (literally) and return to them, so they can "complete their security checks". Methinks I'm not giving them my signature (SAR letter was typed signature). Can they refuse to comply without it?

UPDATE

[InvisibleMan]

Read this > https://www.citizensadvice.org.uk/de...nagement-plan/

Di

No mention of cancelling because you've chosen the AAD way!

[InvisibleMan]

If you've no intention in resuscitating your DMP through them then I would cancel it in writing according to the Ts & Cs of your agreement.

Were you paying the DMP provider for their services?

Di

I didn't pay, it was one of the credit industry funded ones. I will send them my resignation

[Joanna Connolly Solicitors]

Well I haven't made any payments to them for around 6 months now, but neither have I contacted them to inform them that I'm not using them. Do you think I should? I definitely won't be returning to them, the work of the devil indeed

If you've no intention in resuscitating your DMP through them then I would cancel it in writing according to the Ts & Cs of your agreement.

Until you officially de-hire them it could be argued that they are still your 'agent' in legal terms which means your creditors could send statutory Notices (DN or Notice of Sums in Arrears etc) to them and not you and you may not know when that happens.

Were you paying the DMP provider for their services?

When you get back your SAR response check it through to see what's been going on behind your back. If you think they have not done a good job then you may be able to challenge the fees you've paid.

Read this > https://www.citizensadvice.org.uk/de...nagement-plan/

(Were they FCA registered because they should be?)

Di

[InvisibleMan]

I note you now refer to them as your "ex" DMP provider

Di

Well I haven't made any payments to them for around 6 months now, but neither have I contacted them to inform them that I'm not using them. Do you think I should? I definitely won't be returning to them, the work of the devil indeed

[Joanna Connolly Solicitors]

SAR sent to ex DMP provider

I note you now refer to them as your "ex" DMP provider

Di

[InvisibleMan]

SAR sent to ex DMP provider

[InvisibleMan]

You've got off to a good start !

That's four unenforceable credit agreements already

Di

Lol I won't get carried away but I must admit I'm feeling quite chipper at the moment. It's great to begin to take back control of a situation that for so long has seemed hopeless. I've got just 2 more accounts to add to the diary - both vehicle related. The support on the forum is unbelievable.

[Joanna Connolly Solicitors]

I sent various agreements for UE checking

You've got off to a good start !

That's four unenforceable credit agreements already

Di

[InvisibleMan]

BARCLAYS (OVERDRAFT)

Overdraft on personal current account
Date account commenced: c.1993
Approx balance: £2,500
Date last full payment: 2009
Currently not paying
Status: defaulted 2009; a/c Terminated 2009
Account owner: Barclays
dca: Arvato Financial Solutions

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

Essentially, the current account had an authorised overdraft of £1,600, plus a 'reserve' of £1,000 (I was seen as a very good customer up to that point). When my finances hit the rocks, I used it all up.

2009
April DMP started. Barclays wrote to say they rejected the DMP offer, but nonetheless accepted it....

June Termination notice from Barclays.

2017

June 16thSAR to Barclays

June 22ndLetter from Barclays that Arvato Financial Solutions is managing the account on behalf of Barclays. Ignored

June 22nd chase letter from Arvato. Ignored

July 12th Letter from Arvato offering discount to settle account. Ignored