DNW's UE Diary

[stuckinarut]

springs to mind. bye bye Cabot

[DNW]

Re: DNW's UE Diary


*** STRUCK OUT ***


Barclay Loan

Name - Barclays
Type of account - Loan
Date commenced - July 2009
Approx balance - £15,000
Date last paid - Mar-11 
Arrangement/not paying - Token Payment
Status - Default 
Account owner - DCA (CDCS)

Key:
Them
Me
Other


Activity

1. 05/04/2011 DD Cancelled letter received
2. 11/05/2011 Missed payment letter received
3. 04/06/2011 Two missed payments letter received
4. 15/06/2011 Default notice received from Barlcays
5. 15/06/2011 Refused to accept £1/month offer, debt to be passed to Recovery Dept.
6. 05/07/2011 Arrears notice
7. 23/07/2011 CDCS letter - account has now transferred to them and all comms to be directed to CDCS
8. 01/08/2011 My letter - no change in circumstances, don't phone, don't visit sent to CDCS
9. 17/08/2011 CCA Request sent
10. UPDATE 03/09/11 CCA received and sent to Niddy
11. 03/09/11
12. 10/12/11 - Arrears Notice received
13. 11/10/12 - Arrears Notice received
14. 08/03/13 - Arrears Notice received
15. 01/07/13 - Statement received
16. 12/08/13 - Arrears Notice received
17. 09/01/14 - Arrears Notice received
18. 07/06/14 - Arrears Notice received
19. 01/07/14 - Annual statement received
20. 08/08/14 - Please contact us to arrange further/higher payment (filed)
21. 11/08/14 - We made an error with your interest and are reducing the balance by £0.00
22. 2014-2019 - Only statements & arrears notices received
23. 20/11/19 - Statement received
24. 22/11/19 - We're going to transfer your account to PRA
25. 07/12/19 - NOA - Loan account sold to PRA Group (UK) Limited
26. 07/12/19 - Welcome to PRA Group, carry on making agreed payments but to us now instead of Barclays
27. 05/02/20 - Sent SAR to Barclays
28. 05/02/20 - Stopped token payments
29. 27/02/20 - Received SAR documents
30. 23/09/20 - Received from PRA - 30 days to contact them else they'll consider my account for 'next stage'.
31. 24/10/20 - Received from PRA - Letter before claim
32. 03/12/20 - Received from PRA - Statement of Account
33. 21/05/21 - Received from PRA Group - Notice of arrears
34. 04/06/21 - Received from PRA - Letter before claim
35. 20/07/21 - Claim received
36. 25/07/21 - Joanna Connolly Solicitors instructed
37. 01/12/21 - Claim struck out

*** STRUCK OUT ***
01/12/21 - Claim struck out

Just a little update to this, a seemingly enforceable loan 10 years ago - I'm here to show that if you are able to wait it out and play the long game, patience pays off.

I couldn't be happier with the service received from the JCS team, every (very reasonable) penny spent was worthwhile as they took the stress, hassle and legalities out of mine and into their own very experienced and successful hands.

Thank you to AAD, JCS and everyone who has encouraged me to keep playing this game of poker

[Sam Audley]

Hi DNW,

We are glad that we were able to assist you and that we got the result you were hoping for.

Please do not hesitate to contact us again, should you require any advice.

Many thanks
Sam

[Still Waving]

A VERY good win for you and team JCS. Well done to all.