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We (hubbie and myself) have £120k unsecured debt which was in personal names, though vast majority came from failed business –long story but we both had good credit ratings once (lol) and banks were happy to keep throwing money at us for far too long. When we held our hands up bank suggested IVA but we couldn’t get it and ended up with commercial DMC, hubbie started stuff in his name 2005 and I did rest of stuff in 2006. Been paying £89 per month since as very little disposable income but decided we are getting no where. Recommended your site by friends and have found it very helpful even before we start the UE route – thanks!There is a lot of stuff with Lloyds TSB as they used to like us!
The stuff with them is mixed up so have numbered them for ease as we progress. In fact at least £4k of the Lloyds stuff is charges added on when they first stopped being our friends! Haven’t posted letter cancelling DMC yet as wanted to get the UE diary started, so once we have done that should get our paperwork back from them so may be able to make bit more sense of where the Lloyds stuff came from.
Well here goes!
Lloyds TSB credit card
Started 2001
Bal: £14697
Defaulted 2006
DMP £ 5.06
Owned by BLS collections
CCA request sent 21/11/11
Letter sent thanking us for our payment (?) and asking us to make our last payment for 14k!!!!
17/3/12 letter recd from Westcot payment required to prevent further action
27/3/12 FINAL NOTICE recd from westcott
31/3/12 CCA request sent
2/6/12 letter from nelson guest and partners offering reduced settlement figure if we call them... no sign of CCA
26/2/13 letter from Lloyds advising that it has been transferred to Robinson Way
27/2/13 letter from Robinson Way asking for contact
11/03/13 letter from Robinson Way asking for immediate action
Lloyds TSB 1 - former business accounts (think it may include business loan)
Started 1998
Bal: £28467
Defaulted 2006
DMP £9.80
Owned by Westcott credit services
Lloyds TSB 2 (my former personal account)
Started 1986
Bal: £6415
Defaulted 2006
DMP £2.21
Owned by Lloyds TSB debt recovery
21/12/11 letter from Lloyds debt recovery advising we are in arrears of £2.21
16/2/12 FORMAL DEMAND FOR PAYMENT recd from Robinson Way
28/2/12 letter requesting immediate action from us...
6/3/12 CCA request for CA letter sent as advised by Niddy
27/3/12 Westcott notice of collection recd. contact required to prevent further action.. will wait for next move
11/4/12 FINAL NOTICE recd from Wescot
17/4/12 another Final Notice recd from Wesct
17/4/12 Sols letter from Nelson Guest & Partners giving me 10 days to make an offer before they take action
24/4/12 F&F offer sent for £540
4/5/12 F&F declined however they will accept £3845?!
31/5/12 address verification recd from wescot
8/6/12 wescot letter asking for response to avoid further
Lloyds TSB 3 (former joint personal account)
Started 1998
Bal: £9208
Defaulted 2006
DMP £3.17
Owned by Lloyds TSB debt recovery
23/2/12 moorcroft letter advising they are intending litigation - emailed Niddy for advice
24/2/12 another letter from moorcroft to my new address trying to confirm its me....
2/8/2/12 threatogram before action template sent
9/3/12 moorcrort acknowledge receipt and advise it is being dealt with by compliance dept and account on hold whilst they investigate
18/3/12 recd a 3 page letter from moorcfort compliance have emailed Niddy for advice...ignore and wait for next move
5/4/12 moorcorft write to say that lloyds have advised that CCA not required on this type of account, and I have 2 weeks to contact them before they follow this up..
11/4/12 a 2 page letter from moorcroft explaining that this account not under the CCA act and i must offer a suitable payment plan i can afford, and saying a financial statement enclosed for me to complete - but it wasnt they just sent a copy of the previous letter?!
31/5/12 Moorcroft have closed account and returned to Lloyds due to lack of response from me
Lloyds TSB 4 – (hubbies former current account)
Started 1984
Bal: £947
Defaulted 2006
DMP £2
Owned by BLS collections
7/12/11letter from BLS it is essential we call them TODAY!! have mailed to Niddy to check as not sent anything to these yet..
20/12/11 letter sent advising £2 arrears for payment plan
5/1/12 letter from BLS requesting contact TODAY - Niddy says to wait it out
7/1/12 letter advising £4 arrears
4/2/12 letter telling us to call TODAY
7/2/12 letter advising of no contact within 14 days they will commence legal action
8/2/12 final response u/e general template sent
21/2/12 reply recd from Lloyds "they do not believe they have made a mistake as the account was opened more than 10 yrs ago and so they dont need to have paperwork anymore!" emailed to niddy for advice... ignore for now
3/3/12 statement sent from Lloyds TSB covering period from July 2010 to date... suspicious?!
3/3/12 letter recd from iQor advising that they have been instructed to recover the full amount, (never heard of them but the address on statement letter also says iQor on Lloyds headed paper so thinking in house dept. Niddy says ignore for now
31/3/12 doorstep collection letter recd we have 72 hours to respond
21/4/12 letter from gpb solicitors threatening legal action
24/4/12 f&f letter offer of £79 sent as relative offering to clear lloyds only
2/5/12 gpb write to DECLINE offer but woud love to talk to us...
Goldfish credit card
Started approx 2001
Bal £ 11465
Defaulted 2005
DMP £3.95
Owned by Cabot Financial
4/12/11 letter recd advising this is our last chance to settle before pre litigation
5/12/11 CCA request sent
21/12/11 letter form cabot advising they are confident the original lender can provide the info within 12 days and returning the £1 PO
5/1/12 letter from cabot advising that original lender "experiencing delay" in retreiving requested documents
20/1/12 repeat letter recd saying the same- experiencing delay21/
21/1/12 cabot have not been able to find the information in the time, but they will continue to look!! emailed Niddy letter for advice...wait for next move
MBNA card
Started approx 2003
Bal: £ 7222
Defaulted 2005
DMP £ 2.49
Owned by Cabot Financial
MBNA loan
Started 2003ish
Bal: £6429
Defaulted 2005
DMP £2.22
Owned by 1st credit
31/10/11 CCA request sent
10/11/11 1st credit had advised MBNA that we have requested CCA. We must call them immediately when we receive it...
24/10/12 recd a letter from 1st credit almost 12 months after last communication. They have now been assigned the debt and want us to contact them immediately. we can also send £10 to find out what information they hold on file about us...yeah right.
1/11/12 wrote to 1st credit pointing out CCA request from 12 months ago has not been responded to...enclosed their acknowledgement of receipt of it to be helpful
8/11/12 2 separate letters recd from 1st credit offering "you pay we match offers"
Barclaycard
Started 2002
Bal: £8869
Defaulted 2005
DMP £3.06
Owned by Credit Solutions
5/12/11 letter received from Robinson Way(?) for formal demand for payment, but the reference card no. and amount completely different + our Barclaycard is owned by Credit Solutions??? Uploaded for Niddy to check out
24/12/11 appears these letteres relate to egg card which is now owned by Barclays
26/1/12 letter recd from barclaycard advising we have been passed to Apex credit management
26/1/12 letter recd from Apex advising theya re dealing and to contact with MATTER OF URGENCY.
27/1/12 CCA request sent
7/2/12 Apex letter promising a home visit appt - address old one and only partial...good luck with that then.
10/2/12 letter advising Apex dont hold documents we must send CCA request to Barclaycard direct..will do first thing mon!
13/2/12 CCA request sent to Barclaycard as advised by Apex
27/3/12 two letters recd today. One from Apex who advise that Barclaycard no longer hold CCA form as default is over 6 years ago
2ne letter from Barclaycard advising that they cannot provide CCA as the address quoted in request is different - this letter was sent to an old address but they have been writing ti us at the recent address for several years?! emailed niddy for advice
5/4/12 duplicate letter from Apex dated 22/3/12 advising forms no longer held as default over 6 years ago
11/4/12 Apex write to advise that they have confirmed we are still resident at our old address and will be arranging a home visit..
4/5/12 letter form Apex advising teh barclaycard know it is a difficult time for people and they can offer v good settlements...
13/7/12 letter recd from Wescot advising us to reply IMMEDIATELY and READ CAREFULLY!!
HFC bank (card)
Started 2002ish
Bal: £10843
Defaulted 2005
DMP £3.73
Owned by Robinson Way
22/11/11 CCA request sent
12/12/11 letter from robinson way advising account on hold whilst they locate the paperwork
6/3/12 letter from Robinson Way advising that they are continuing to seek am update from HFC and so account still on hold!!!
18/4/12 letter from Robinson Wayadvising that original lender has still been unable to locate paperwork so account still on hold...
7/6/12 letter recd from robinson way advising that they are still awaiting response from original lender
Mint card
Started 2003ish
Bal: £ 3748
Defaulted 2005
DMP £ 2.00
Owned by Mint
4/12/11 statement sent to us so have now sent off CCA request
23/12/11 2 letters recd dated 5/12/11 and 15/12/11 stating dissapointment at failure to pay monthly amt and second one threatening transfer to external collection agency
24/12/11 mint advise they cannot send CCA as the letter was not signed -
28/12/11 responded with sig not required template
7/1/12 mint statement
11/1/12 mint have sent sig req template letter back as its not signed!!!!!!
21/1/12 letter recd saying they are disappointed we have not paid
21/1/12 CCA final response sent
3/2/12 standard form returned with my letters with "Not Signed" box ticked!! Niddy says await next move
7/2/12 letter recd from Triton for payment DEMAND
8/2/12 account sold whilst indispute template sent
21/2/12 letter from Triton recd "URGENT ACTION REQUIRED"
23/2/12 harrassment template sent
3/3/12 Triton letter advising "notice of legal proceedings"
3/3/12 Triton second letter recd same day refering to our recent correspondance advising they cannot reply without knowledge of our full financial position (we only want a CCA!!!!!)
6/3//12 Niddy advises threat o gram template - sending recorded tomorrow am
17/3/12 Trition say we must send £1 PO and sign letter and send it to them and then their client will send copy of CCA
11/4/12 Mint write to say they are sorry to hear that we are not happy with how they have communicated with us and that they will investigate and come back to us by 30th May...lol
25/4/12 Green & Co sols write to threaten legal proceedings...
28/4/12 threat to commence litigation letter sent to Green & Co
5/5/12 Green & Co reply by advising they have sent my letter to Triton
22/5/12 Mint write to advise they are passing our details to Wescot for recovery
2/6/12 letter from Mint apologising for not making their deadline to respond to us.
9/6/12 letter from Mint saying that they are sorry they cannot uphold our complaint (refusal to send CCA as letter not signed) and that it is because we did not send the £1... this is true of one occasion but they have had the £1 sent twice more and still refused on grounds of letter not signed. They DO NOT ACCEPT that a digital signatuer is sufficient Any way they are crediting us with £80 to apologise for the length of time it took them to respond to us!
12/6/12 Letter from new DCA Newmans who have been instructed by Mint. emailed Niddy as not sure where to go with the CCA thing now, Mint say we must go to the Financial Ombudsman
6/8/12 letter from newman asking for repayment
14/8/12 letter from newman threatening DOORSTEP COLLECTION
16/11/12 Mint write to advise that as we have not responded to the collection agents they are passing it to Wescot Credit
5/12/12 letter from Wescott asking us to contact to avoid further action
11/12/12 account sold in dispute letter sent
12/2/13 wescot have responded to our letter from Dec (?!). stating that they do not believe it is in dispute. have emailed to Niddy for advice.
Egg card 1 (not sure who owned which one as we had 2 egg cards)
Started 2002
Bal: £1816
Defaulted 2005
DMP £ 2.00
Owned by Egg
24/12/11 letters from Robinson Way appear to relate to this account although they state it is Barlcays debt.... immediate action required
21/1/12 letter recd requesting Immediate action...
26/1/12 letter from Robinson way asking us to make an appointment for a home visit.
27/1/12 CCA request sent
7/2/12 account on tempory hold awaiting CCA from lender
9/3/12 update from Robinson Way they are still awaiting a response from their client
17/4/12 Robinson Way write to advise that they are closing their files and returning account to client (barclaycard)
11/5/12 letter from wescot advising they have been instructed.
14/5/12 CCA request sent to wescot...
23/5/12 letter from wescot advising we need to apply direct to barclaycard for CCA
30/5/12 letter from barclaycard advising that they cannot currently supply a copy of terms of the credit agreement and acceot that they are therefore prevented from enforcing the agreement... although we should still continue to pay as they will do everything short of enforcement to recover the debt.. copy emailed to niddy to check
6.6.12 Niddy says to file safely as they say themselves it is Unenforceable
21/6/12 letter from wescot - FINAL NOTICE! if we do not respond they are going to take us to court.
25/6/12 Letter sent to Wescot advising that they refer to Barclaycard letter advising is that is is unenforeceable.
13/2/13 letter recd from Barclaycard advising that they have assigned this account to Marlin Capital Europe.
13/2/13 copy enclosed on Marlin letter headed paper asking us to call to discuss.
Egg card 2
Started 2004
Bal: £3011
Defaulted 2006
DMP £2.00
Owned by Capquest
30/12/11letter from capquest advising they are starting litigation process if we dont contact before 04/01/12 and introducing our case handling supervisor!
4/1/12 CCA request sent
20/1/12 capquest advise they have requested info from original lender. Advise that notice of assignment not necessary as they do not own the account they are acting on behalf of lender.
10/2/12 capquest have sent CCA from Barclaycard re EGG emailed for Niddy to check...
16/2/12 Niddy advises unenforceable -missing prescribed terms letter sent
24/2/12 letter from Capquest account on hold as they were unaware of dispute
27/2/12 letter from Capquest they advise they are no longer dealing and all paperwork returned to bclaycard
24/4/12 barclaycard write to advise Allied International Credit are now dealing
30/5/12 AIC write offering several options to fully repay amt...ignoring for now
29/9/12 Barclaycard write to advise Robinson way are now handling
5/10/12 Robinson way write to advise they are indeed handling and i must NOT IGNORE THIS ANY LONGER.
14/11/12 Robinson way write to advise CCA request was complied with jan 2012
19/11/12 wrote to Robinson way advising the CCA was missing prescribed terms and that Barclaycard was advised of this in Feb 2012 and have not repsonded so account still in dispute.
Egg loan
Started 2004
Bal: £3402
Defaultd 2005
DMP £2.00
Owned by Credit Solutions
3/5/12 FINAL notice recd from Wescot
4/5/12 CCA request sent
5/5/12 Wescot address verification recd
12/5/12 CCA request returned by wescot as they are acting for britannica so ask for £1 payable to them instead and resend it to them...
14/2/12 CCA request resent with £1 now payable to Britannica but have no contact details for them hence resent to wescot... round and round the garden....lol
21/5/12 letter from wescot asking us to confirm previous address and dob...Niddy says ignore for now
2/6/12 statement from arrow global but no sign of CCA....
11/12/12 letter recd from Wescott advising that they have written over a number of occasions in recent weeks (nothing from them since june!) and that we need to take action.
11/12/12 letter sent advising that we are waiting for CCA request sent 30/6/12.
12/2/13 wescot advise they have investigated and enclosed a copy of loan aggreement and t&c which were apparently sent in Nov 12 (not to us!). have emailed all to Niddy to check.
Capital one card
Startd 2002ish
Bal: £3939
Defaulted 2006
DMP £ 2.00
Owned by Capital One
31/10/11 CCA request sent
21/11/11 letter form Capital 1 plus copy agreement uploaded to secure section
28/11/11 Niddy says unenforceable
missing prescribed termstemplate letter advising sent
5/12/11 before letter was posted capquest write to advise they now deal with this so Missing Prescribed terms template sent to them
10/12/11 letter from capquest advising us to contact to protect our credit rating!!as we have no ccjs registered
)11/12/11 letter from capquest asking for immediate contact. ignorig as no resonse to missing prescribed terms yet.
28/12/11 LETTER BEFORE ACTION recd from capquest but no sign of missing prescribed terms
3/1/12 threat of litigation template sent on niddys advice
7/1/12 Capt 1 write to thank me for advising them new address - guess capquest did that!
9//12 my advisor at cabot writes introducing himself and that they are apparently going to have to start litigation
11/1/12 Capquest write they were not aware of dispute so they have referred back to capt 1 and closed the account on their system..funnily enough not signed by my advisor!!!!
7/4/12 letter from Fredrickson International who have been instructed to collect the debt! Maybe Capt 1 think that if they try enough collection agencies we will forget they havent sent thru prescribed terms yet...lol
11/4/12 Fredrickson "letter before acvtion" recd
19/4/12 solicitors letter from Bryan Carter
24/4/12 threat to commence litigation template sent to Bryan Carter
4/5/12 Bryan Carter write to advise if I dispute enforceability i need to write to Capt 1 direct..
5/10/12Capt ! write to say the debt management comp are no longer dealing and i must pay them directly so i can clear this debt. Ignoring for now
5/10/12 2nd letter recd today this one from Frederickson saying that they are surprised i have now responded to Bryan Carter (assume they mean letter from May) and will be recommending their client instruct solicitors. Also ignoring this for now to see what comes next.
Phew! Guess we will be sending a lot of letters!!!
Good luck
Wait until you receive the cca....
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