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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.
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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.Last edited by thetinman; 27 July 2012, 09:25. -
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.
Last edited by thetinman; 5 June 2012, 13:27.Comment
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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.Last edited by thetinman; 5 June 2012, 13:27.Comment
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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.Last edited by thetinman; 5 June 2012, 13:28.Comment
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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
Last edited by thetinman; 5 June 2012, 13:28.Comment
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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.
Last edited by thetinman; 24 February 2017, 18:10.Comment
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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.Last edited by thetinman; 21 September 2015, 07:38.Comment
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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
Last edited by thetinman; 5 June 2012, 13:29.Comment
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Re: thetinman diaries
Some good results there! May the rest be like that.Comment
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Re: thetinman diaries
Originally posted by thetinman View PostType 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
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: thetinman diaries
Yes it is worth sending a CCA requestOriginally posted by thetinman View Post
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: thetinman diaries
Originally posted by thetinman View Postmbna
Type of account (credit card)
Date commenced. 2000
Approx balance. 4,000
Date last paid. oct 2009
not paying
Status (default)
Account owner. mbna
cca sent, letter sent back saying cant find cca so
Well Done keep that letter safe if anybody hassel's you send this
CCA Query - Letter Previously Confirming No CCA
Last edited by AAD-LinkEditor; 10 January 2012, 09:15.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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