DevilDogs UE Diary

[DevilDog]

Here is my UE diary

I defaulted on most accounts Jan/Feb 10 and have been paying reduced amounts through a DMP from Dec 09 to April 11.

[DevilDog]

Re: DevilDogs UE Diary

M&S Money - Credit Card
Pre2007 - Started 2003
Balance: £2820
Last full payment: before Feb 10, Currently not paying
Defaulted Feb 10, Account still with M&S Money

April: Stopped paying reduced amount through DMP
June: Recieved 'contact us' letter and started having phone calls, IGNORED
August: Recieved letter from Rockwell, Replied with 'Account in dispute' letter, they replied with account on hold

[DevilDog]

Re: DevilDogs UE Diary

BarclayCard - Credit Card
Started June 2007 (according to credit file but I think this is wrong)
Balance: £1800
Last full payment: before Jan 10, Currently not paying
Currently on 'AP' , Account still with BarclayCard

April: Stopped paying reduced amount through DMP
August: Recieved Default Notice from Mercers, IGNORED

[DevilDog]

Re: DevilDogs UE Diary

M&S Money - Loan
Started March 2007
Balance: £10,000
Last full payment: before Jan 10, Currently not paying
Defaulted Jan 10, Account still with M&S Money

April: Stopped paying reduced amount through DMP
August: Recieved letter from Morecroft, Replied with 'Account sold in dispute' letter, they replied with account on hold

[DevilDog]

Re: DevilDogs UE Diary

Barclays - Loan
Started March 2007
Balance: £11,700
Last full payment: before Jan 10, Currently not paying
Defaulted Jan 10, Account still with Barclays

April: Stopped paying reduced amount through DMP
September: Recieved 2 letters from CDCS, replied with CCA request
Recieved CCA - sent to Niddy for checking

[DevilDog]

Re: DevilDogs UE Diary

Santander (Previously A&L) - Loan
Started March 2009
Balance: £12400
Last full payment: before Feb 10, Currently not paying
Defaulted Feb 10, Account still with Santander

April: Stopped paying reduced amount through DMP

[Never-In-Doubt]

Re: DevilDogs UE Diary

I'll update this in the early hours of the morning for you. Please email cca's for moment as per :--->. Should I stop the DMP to improve my FF chances - allaboutFORUMS

[Never-In-Doubt]

Re: DevilDogs UE Diary

Hiya

Ok, have you issued CCA Requests to all the lenders as detailed above?

[DevilDog]

Re: DevilDogs UE Diary

I have recieved a letter from Rockwell regarding the M&S credit card;

"We have been instructed by M&S to contact you regarding the above account which remains unpaid.

Your debt is now overdue and we require this to be paid in full to these offices within the next ten days otherwise we will take immediate action.

If you are unable to pay the debt in full within the timescale specified please call us on the above phone number immediately to discuss other possible options. etc"

Before going on my DMP in 2010 i CCA'd M&S and this was what they sent;
http://s640.photobucket.com/albums/u...credit%20card/

What should I do next - do I CCA Rockwell?

Thanks

[Deepie]

Re: DevilDogs UE Diary

I have recieved a letter from Rockwell regarding the M&S credit card;

"We have been instructed by M&S to contact you regarding the above account which remains unpaid.

Your debt is now overdue and we require this to be paid in full to these offices within the next ten days otherwise we will take immediate action.

If you are unable to pay the debt in full within the timescale specified please call us on the above phone number immediately to discuss other possible options. etc"

Before going on my DMP in 2010 i CCA'd M&S and this was what they sent;
http://s640.photobucket.com/albums/u...credit%20card/

What should I do next - do I CCA Rockwell?

Thanks

Send this and see what comes back Account Sold whilst in Dispute

[DevilDog]

Re: DevilDogs UE Diary

Thanks in2deep, should I send that one even though I never put the account in dispute - I just went on to do a DMP.

Is the account unenforceable as it stands?

[Deepie]

Re: DevilDogs UE Diary

Thanks in2deep, should I send that one even though I never put the account in dispute - I just went on to do a DMP.

Is the account unenforceable as it stands?

Yes just send that , The letter puts the account in dispute. Just see what they send back

[DevilDog]

Re: DevilDogs UE Diary

Ok, that letter sent to Rockwell so we will see what they send back.

I have recieved a more threatening letter from Morecroft re my M&S Loan;

"We have been instructed by M&S to collect your overdue debt of £X

It is a legal requirement to send a notice of intended litigation before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you.

To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 days or contact made with this office immediately .... with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 24/08/11, a claim may be issued by solicitors instructed to act on behalf of our client without further notice.

We would draw your attention that if Judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available to our client and an application for one of these may be considered.

etc. etc."

(Their bold and underlined lol)

What do I do about this one? As far as I know this one is enforceable, I will see if I can find the CCA they sent me.

I know its all ifs and mays but I do worry lol - how will I know if the debt has been sold on or if these DCA's are just posturing for the OC - when should I start negociating a F&F?

Thanks

[Never-In-Doubt]

Re: DevilDogs UE Diary

Send this back for now - see what comes next: Threat by Creditor - To Commence Litigation

[Deepie]

Re: DevilDogs UE Diary

Ok, that letter sent to Rockwell so we will see what they send back.

I have recieved a more threatening letter from Morecroft re my M&S Loan;

"We have been instructed by M&S to collect your overdue debt of £X

It is a legal requirement to send a notice of intended litigation before legal proceedings in the County Court are issued. We believe that this letter fulfils this requirement even if it is not actually read by you.

To prevent our recommending to our client that solicitors commence legal proceedings, it is essential that you settle this debt without delay. Payment should be submitted in full within 7 days or contact made with this office immediately .... with your payment offer. Both our client and we do not wish to take this action but if agreement cannot be reached by 24/08/11, a claim may be issued by solicitors instructed to act on behalf of our client without further notice.

We would draw your attention that if Judgement and an order for repayment in full is obtained and remains unpaid, a range of court enforcement options are available to our client and an application for one of these may be considered.

etc. etc."

(Their bold and underlined lol)

What do I do about this one? As far as I know this one is enforceable, I will see if I can find the CCA they sent me.

I know its all ifs and mays but I do worry lol - how will I know if the debt has been sold on or if these DCA's are just posturing for the OC - when should I start negociating a F&F?

Thanks

Send this to Moorcroft > Threat by Creditor - To Commence Litigation
I've got 6/7 of the same letter here if you want to see them