Marlings UE diary

[marling]

Re: Marlings UE diary

(3) Amex credit card

start : not sure / pre 2007
bal : £5000
last full : may 2008
present : not paying
status : cancellation (have letter)
dca : moorcroft

2008
july rma - referred
sept rma - 50% settlement
2010
jan rma - collection
feb rma - removal threat
apr rma - removal threat
dec rma - bankruptcy threat
2011
jan rma - bankruptcy threat
feb moorcroft - intend litigation
apr moorcroft - intended litigation
may morrcroft - discount offer
1/9/11 cca request sent
8/9/11 moorcroft - can i provide info i will be relying on in court.
13/12/11 /////////
25/1/12 moorcroft - possible litigation letter
25/1/12 moorcroft - recieving texts and calls to my mobile daily
7/6/12 amex - passing account to vil collections
11/8/12 vilcol - 2nd reminder letter
11/9/12 vilcol - please contact letter
11/10/12 scotcall - debt collection visit.
27/3/13 amex - passing account to vil collections
2/8/14 amex - passing account to charter mercantile
18/8/14 charter - instructed by amex to collect debt letter
11/9/14 charter - offer letter
23/9/14 charter - another offer letter
9/10/14 charter - another offer letter
4/12/14 charter - offer letter

[marling]

Re: Marlings UE diary

(2) Lloyds credit card
started off as an easymoney card then taken over by lloyds.

start : not sure / pre 2007
bal : £6000
last full : may 2008
present : not paying
status : default(have letter)
dca : moorcroft

2008
oct sechiari clark mitchell - court proceedings
dec mha collections - referred
2010
mar wescot - instructed
apr wescot - final notice
apr wescot - 50% discount
oct hl legal collect - instructed by apex credit
2011
apr midas credit - litigation / part of moocroft
1/9/11 cca request sent
sept moorcroft - re send cca request signed
15/9/11 re sent cca - with demand sig
19/11/11 they recieved cca
26/9/11 forwarded to clients - will re chase debt
5/11/11 moorcroft - saying lloyds have given me information - nothing recieved by me.
3/1/12 moorcroft - auditors asking me to agree by balance and last payments paid
9/1/12 wescot - notice of debt collection
20/1/12 wescot - final notice
4/2/12 nelson - 50% offer
3/1/13 lloyds - account passed to mackenzie hall
25/7/13 capquest - saying account has been SOLD to them
24/12/13 capquest - debt has been returned to capquest
6/2/14 capquest - threat of court action - charging order on house
11/2/14 sent cca request to capquest
21/2/14 capquest - they are awaiting reply from Lloyds - on hold till 15/3/14

[marling]

Re: Marlings UE diary

(1) Halifax Credit Card

start : feb 2006
bal : £9500
last full : may 2008
present : not paying
status : default(have letter) / have original agreement
dca : iqor

2008
july retail bank - full payment
decem retail bank - trying to contact
2009
may moorcroft - last 3 payments made on card request
june moorcroft - 75% offer
novem moorcroft - default cccs
2010
jan capquest - referred
feb hl legal solic - take notice
mar capquest - ltr before action
apr capquest - doorstep threat
may wescot - instructed
june nelson guest - instructed by wescot
july nelson - discount offer
july wescot - doorstep threat
sept iqor - referred
novem gbp solic - legal pending iqor
2011
june iqor - 50% settlement
1/9/11 cca request sent
5/9/11 cca was recieved by iqor
19/10/11 nelson - 50% offer
11/11/11 nelson - consider offers
22/11/11 wescot - doorstop visit
21/12/11 credit sec/ wescot - unforce threat sent
19/7/13 halifax - assigned all rights & title to capquest - told sold £9600
19/7/13 capquest - they have took over my account
25/10/13 capquest - 30% of your payments offer
5/4/16 capquest - settlement available - 1st letter for 3 years

[Never-In-Doubt]

Re: Marlings UE diary

Hi & Welcome - please see this: ---> Unenforceability Diaries - Read me First!

[marling]

hi all
thanks very much for the welcome's i have recieved.
over the weekend i have thought over my situation and got my information together and would like to give ue a go.
ok in total i have 12 accounts(1 ccj) (all pre 2007) totaling £94k this includes wembley stadium which i might have to sort seperatley.
my house is most important to me, not bothered about my credit rating.
my company went bust mid 2008 which is when i stopped making full payments to all acounts, briefly with ccs(£55pm) for approx 6 months after.
went unemployed for year and a half and then went self employed sept 2010. presently paying £5 a month to 4 of them, ignoring/not paying the rest.

thanks in adavnce guys
all the best
marling