thetinman UE Diary

[Deepie]

Re: thetinman diaries

Type of account. Credit Card

Date commenced. 97

Approx balance. 2,600

Date last paid. oct 2009

paying £1 token payment

Status (default)

Account owner. cap 1

cca sent & recived, niddy says

Wait to see which letter to send back Niddy will advice

[roomtobreathe]

Re: thetinman diaries

Some good results there! May the rest be like that.

[thetinman]

Re: thetinman diaries

grattan

Type of account (mail order cat)

Approx balance. 800

Date last paid. oct 2009

Not paying

Status (in arrears)

Account owner. grattan

cca sent, letter sent back no cca

[thetinman]

Re: thetinman diaries

Littlewoods

Type of account (mail order cat)

Date commenced. 97

Date last paid. oct 2009

Not paying

Status (in arrears)

Account owner. shop direct

cca sent, letter sent back saying no cca but please keep paying

Sept 11: cca received
Sept 11: Final Response - Unenforceability (General) sent
dec 11: default notice .
Feb 12: sold account to arrow global
Feb 12: letter asking for payment from Fredrickson
Feb 12: sent letter to Freds CCA Query - Letter Previously Confirming No CCA
Mar 12: received letter from Freds
April 12: received letter from Freds about home visit.
April 12: sending them Harassment & Threat of Doorstep-Visit
May 12: letter from freds solicitors.
May 12: sending sold while in dispute.
Sept 14: letter from arrow new solicitors agents
Sept 14: letter from reston
Oct 14: sent cca request to reston
Oct 14: reply from restons wont accept cca request
Oct 14: sent cca request to Arrow
Oct 14: reply from arrow dont agree they are creditor, but will suspend all collection activity while they try and get cca, return £1 postal order
Sept 15: Arrow have sent a copy of the sept 11 cca.

[thetinman]

Re: thetinman diaries

northern rock

Type of account (loan)

Date commenced. 2004

Date last paid. sept: 2013

paying £1 token payment stopped in 2013

Status (in arrears)

Account owner. northern rock

got this over the internet in 2004, they sent me a agreement in 2004 which I signed and it is the only original agreement I have a copy of which I kept for some sad reason, dont think its worth a cca check.

Nov:2013 debt sold letter, Marlin europe v limited new owners.
Dec 2013: sent cca request
Jan 2014: recevied cca, niddy says unenforceable, because there are no prescribed terms on the agreement.
Feb 2014: letter from marlin, referring to mortimer clarke solicitors to review and determine if legal action should commence.
feb 2014: sent them cca query missing prescribed terms.
March 2015:marlin new name letter.
Aug 2015: received same cca.
Aug 2015: sent them cca query missing prescribed terms again.
Sept 2015: received same cca sent to niddy to check. niddy says unenforceable.
Oct 2015: received letter saying account to be reviewed to see whether we should commence legal action.
Dec 2015: received letter from Mc solicitors saying make payment arrangements within 14 days or they will start court action.
Dec 2015: sent solicitors letter before action.
Dec 2015: received letter from Mc solicitors action on hold while they request documentation from there client.
Nov 2016: I received a letter from mc solicitors saying we have reviewed the file ( after 12 months ) and sent me a set of copy documents ( same as last year ), credit agreement, terms & conditions, statement of account, notice of assignment, saying that there client feels that this satisfy the cca request made last year, and is clear evidence i am liable for the outstanding debt, they go on to say i have 14 days to put forward repayment proposals, and if i do not give a responce our client has instructed us to apply for a county court cliam.

[thetinman]

Re: thetinman diaries

mbna

Type of account (credit card)

Date commenced. 2000

Date last paid. oct 2009

not paying

Status (default)

Account owner. mbna

cca sent, letter sent back saying cant find cca so

[thetinman]

Re: thetinman diaries

Cahoot

Type of account (flexi loan)

Date commenced (2001)

Date last paid (oct 2009)

paying. was £1 token payment/ not paying now

Status (default)

Account owner. santander

dont think its worth cca this because it was opened over internet and I dont think I was ever sent a cca to sign.
Sept 11: sent cca request.
Sept 11: received cca.
Oct 11: sent Missing terms letter.

[thetinman]

Re: thetinman diaries

Barclaycard 2

Type of account (credit card)

Date commenced. 2001

Date last paid. oct 2009

paying. was £1 token payment/not paying now

Status (default)

Account owner. barclaycard

cca sent, letter sent back saying will send soon
Oct 11: received cca .
Oct 11: sent t&c received letter.
Dec 11: Big red default notice off mercers
Jan 12: letter from Barclays account sold pay link.
Feb 12: letter from link you have missed payments please pay
Feb 12: sent sold while in dispute letter.
May 12: link sent a default notice.

[thetinman]

Re: thetinman diaries

Barclaycard 1

Type of account (credit card)

Date commenced. 2001

Date last paid. oct 2009

paying. was £1 token payment/ not paying now

Status (default)

Account owner. barclaycard

Aug 11: cca sent, letter sent back saying will send soon
Dec 11: Big red default notice off mercers.
Jan 12: letter off Barclays Account sold, send payment to link.
Feb 12: letter from link you have missed payments please pay
Feb 12: sent sold while in dispute letter.
May 12: received letter from link with cca, have sent to niddy for advice.
May 12: Niddy says its so I am sending missing terms letter.

[thetinman]

Re: thetinman diaries

Capitol One

Type of account. Credit Card

Date commenced. 97


Date last paid. oct 2009

paying. was £1 token payment/not paying now

Status (default)

Account owner. cap 1

cca sent & received, niddy says

Aug 11: sent missing prescribed terms letter to cap 1
Aug 11: capquest letter, our client cap 1 have referred us to manage your account, goes on to say we may visit you or start litigation
sept 11: capquest letter, prior to the start of legal proceedings checks find no ccj at address, please contact us or forward to court.
Sept 11: Account Sold whilst in Dispute letter sent.
Oct 11: Received letter from cap one in answer to missing prescribed terms letter.
NOV 11: Received LBA From capquest sent back Threat by Creditor - Threat-o-Gram Letter Before Action.
Dec 11: letter off capquest, they are closing the account on their system.
July 12: two letters off feds, one saying hello we are collecting for cap one, and then next day letter before action 7 days pay up or else
July 12: sent Account Sold whilst in Dispute letter.
July 12: received letter saying they had complied with section 78 request.

[thetinman]

hi all im new to all this I got into debt after losing my job on health grounds a few years ago, I used all my savings making payments to cccs on a dmp, when the savings run out I decided I had to feed my family instead of paying my dmp so left it to pay token payments to all.