Marlings UE diary

[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

[Never-In-Doubt]

Re: Marlings UE diary

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

[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

[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

(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

(4) Egg credit card

start : sept 2001
bal : £4000
last full : may 2008
present : not paying
status : default(have letter) / have original agreement
dca : dlc

2009
feb egg - cccs default
2010
jan dlc - land registery enq
feb dlc - referred
oct dlc - in arrears
oct aplins - instructed by egg
made token £1's during year
2011
may dlc - made £5 pm offer
aug dlc - failed to pay
1/9/11 cca request sent
27/9/11 hillesden acct closed - re send cca to egg
12/12/11 cca sent to aic
9/1/12 aic - final notice of intent
11/8/12 robinson way - notice of home visit
14/8/12 harassment doorstop visit letter sent to robinson way
1/10/12 robinson way - offer £30 monthly installments

[marling]

Re: Marlings UE diary

(5) Mint credit card

start : not sure / pre 2007
bal : £3000
last full : may 2008
present : not paying
status : default(have letter)
dca : scotcall

2009
dec mint - dca threat
2010
feb wescot - referred
mar wescot - final notice
mar nelson guest solic - instructed by westcot
apr westcot - visit threat
apr credit security ltd - demand fro wescot
aug fredrickson - immediate payment
aug fredrickson - letter before action
sept bryan carter - proceedings letter
oct bryan carter - final notice
2011
feb regal credit - notice
mar regal cedit - 7 day notice
may scotcall - doorstep threat
june scotcall - i agree £5pm via online
1/9/11 cca request sent
sept scotcall - re-send to regal credit
15/9/11 cca re-sent to regal
15/10/11 recieved cca
21/11/11 UNENFORCEABLE
31/7/13 mint - account passed to westcroft
26/10/13 westcroft - reminder letter
2/2/14 2f - confirmation of residency letter
25/5/16 royal bank Scotland - sold mint card debt to cabot financial
25/5/16 cabot - welcome to cabot
11/8/16 cabot - contact them letter
6/9/16 cabot - fill in financial details letter

[marling]

Re: Marlings UE diary

(6) Capital one credit card

start : not sure / pre 2007
bal : £1800
last full : may 2008
present : not paying
status : default(have letter)
dca : dlc

2008
dec cap1 - cccs default
2009
jan fpc debt - contact
sept capquest - referred
sept hl legal solic - court threat / capquest
oct capquest - start litigation
nov capquest - letter before action
2010
jan capquest - visit threat
jan scotcall - visit threat
mar scotcall - final notice
apr cap1 - return of account
dec cap1 - sold acct to hillesden
2011
jan dlc - referred
feb dlc - notice of sum
feb aplins solic - instructed by hillseden
feb dlc - notice of debt recovery
aug dlc - notice of sum
1/9/11 cca request sent
sept dlc - annual statement
26/1/12 hillesden - dealing with request will reply in 21 days
26/1/12 mdb - 50% offer
11/8/12 dlc - still trying to get copy of cca from cap1 (nearly 1 year)
2/9/12 cputr2008 letter sent to dlc - recieved proof
5/10/12 lucas services - final demand letter
5/10/12 dlc - cca recieved
10/10/12 UNENFORCABLE
28/8/13 dlc - notice of debt survellance programme
13/11/16 dlc- 25% offer
16/3/16 dlc- me111 bought account from hillesden

[marling]

Re: Marlings UE diary

(7) Egg loan

start : not sure / pre 2007
bal : £6500
last full : may 2008
present : not paying
status : unsure of situ
dca : dlc

2009
feb egg - cccs default
2010
feb dlc - referred
feb dlc - land registery enq
mar dlc - court claim/ visit threat
2011
may dlc - £5 pm offer
june arrow global - assignment
june britanica recoveries
aug - failed to pay
1/9/11 cca request sent
20/9/11 dlc - reduce the balance offer
27/9/11 hillesden acct closed - re send cca to egg
12/12/11 cca request sent to egg
22/12/11 arrow letter re recieving cca request, they will request documents from egg
12/1/12 egg return request saying i should contact arrow, arrow have previously said they are not the creditior, lol
28/3/12 enforceable
12/5/14 arrow - notice of assignment from britaninca recoveries
3/11/14 arrow - account transfer to allied international
29/12/14 arrow - early settlement 50%
27/2/16 arrow - transfer to Moorcroft
8/3/16 Moorcroft - account passed to them
6/4/16 Moorcroft - offer
4/5/16 Moorcroft - discount offer
31/7/16 capquest - taking over account - no repayment plan on record
29-8-16 capquest - havnt resolved outstanding balance letter

[marling]

Re: Marlings UE diary

(8) Northern rock loan

start : 2/1/2007 is this ok ?
bal : £5800
last full : may 2008
present : not paying
status : unsure of situ
dca : nram

2008
july n rock - request state of affairs
july n rock - rec cccs letter
dec n rock - failed to maintain agreement
2009
may n rock - taking steps to default
july n rock - statement - with bad debt write off on it - £5.755.93 **** ?
2010
jan n rock - failed to pay
may n rock - statement - full amount again
apr allied int credit - calling card
june aic - 50% offer
2011
jan aic - final notice
mar aic - 50% offer
apr aic - offer
3/9/11 - cca request sent
sept aic - re-send to north rock
15/9/11 - cca re sent to nrock
21/11/11 nram - i have missed contract payments
2/12/11 nram - cca recieved
13/12/11 ////////////// ENFORCEABLE
11/9/12 nram - contact required letter.
2/3/13 nram - account passed to allied
2/9/13 nram - account recalled from allied for nram debt loss unit.
9/9/13 allied - 50% settlement offer.
25/10/13 nram - account passed in full to marling europe
25/10/13 marlin europe - account passed to them
21/11/13 marlin fs - reminder - doorstep threat
26/11/13 cca request sent to marlin fs + harassment threat letter
3/12/13 marlin fs - sent one page cca request reply - emailed niddy
15/1/14 marlin fs - sent two page cca request reply - emailed niddy
12/3/14 marlin fs - change of agent letter - appointed mortimer clarke solicitors
21/3/14 mortimer clarke - threat letter of court proceedings & income outgoings sheet
22/3/14 missing prescribed terms sent to marlin financial services
22/3/14 niddy letter post #242 sent to mortimer clarke solicitors
29/3/14 mortimer clarke - will investigate complaint
10/5/16 cabot financial - reduce balance

[marling]

Re: Marlings UE diary

(9) Rbs loan / ccj

start : not sure / pre 2007
bal : £13,000
last full : may 2008
present : £1 online payment
status : ccj
dca : none

[marling]

Re: Marlings UE diary

(10) Barclays current account

start : 1980's
bal : £1600 overdrawn
last full : may 2008
present : not paying
status : unsure
dca : credit solutions

2008
aug barclays - termination notice
2010
april consumer finance collect - outstanding
mar cdcs - final notice
june credit solutions - legal/doorstep threat
june power2contact - visit threat
june credit solutions - save offer
july credit solutions - notice legal proceed
2011
aug credit solutions - legal action
13/9/11 creditsol - forwarded request to barc
29/9/11 creditsol - asking for more account details.
24/10/11 creditsol - 50% settlement offer
15/8/13 barclays & sigma - account sold to sigma
9/10/13 sigma - letter asking me to start to pay monthly
11/10/13 cca overdraft request sent to sigma
9/1/14 sigma - copy of statements from last few years of account
4/6/14 bpo collections - sigma have instructed bpo to deal with account
13/10/14 pastdue - they have appointed by sig to collect debt
29/10/14 pastdue - do not ignore letter - ignored lol
14/11/14 pastdue - settlement offer
22/1/15 scotcall - make payment
31/1/15 Lowell - account sold by sigma
17/5/16 Lowell - pre legal assessment letter
2/6/16 Lowell - your account is escalating
16/6/16 Lowell - 40% discount
16/9/16 Lowell - can I offer £1 a day letter
4/11/16 Lowell - near 50% off letter

[marling]

Re: Marlings UE diary

(11) Barclays business debenture

start : late 1990's
bal : £10,000
last full : early 2008
present : not paying
status : unsure / very little contact
dca : none

2008
july barclays - demand
novem barclays - demand

[marling]

Re: Marlings UE diary

(12) Wembley stadium

prefer to pm/email you on this one.

[marling]

Re: Marlings UE diary

finally i have two provident loans at present that i am struggling to keep up payments on, your views please.