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Hello all,
I'm trying to get myself organised and really hoping this diary will help me (definitely can't hurt!). To cut a long story short, I got myself into a huge amount of debt and after a drastic change in circumstances things finally spiralled out of control and I got default after default and just couldn't recover from it. Eventually I got help from CAB and I have been paying token payments for a few years (but stopped most of these relatively recently). I sent my CCA requests a couple of years ago but didn't get very far (despite writing repeatedly by recorded delivery). With Niddy's brilliant advice and help though I have been lucky enough to get letters for two accounts saying they are on hold as they are unable to locate the required paperwork! I can't tell you the relief when I got those, thanks very much again Nid.
Barclaycard - I have been paying token payments for around 5 years. I thought I still was ( ;Red ) but actually just realised I did in fact cancel my token payment since I can't get my CCA from Barclays. All I have ever gotten is a set of terms and conditions and despite many letters Barclays never sent anything else. I have never received a default on this account.
Cahoot - Almost certain this is enforceable. Has been sold on to several collectors. Not sure who it is currently with.
MBNA- They have sent me an application which they say acts as a CCA (it says CCA on it too) and a set of terms, but some of the terms the sent don't relate to the corresponding numbered points on the application form. They won't send me anything else so I stopped token payments.
Egg - No idea where I am on this one in truth, but will get my paperwork together and figure it out. It was finally sold to a collector (after being with several others)
Nat West - Have stopped asking for any CCA info as nothing is ever sent from any of the debt collection companies claiming to own the account. Haven't heard anything about it in a while.
Cabot- Small account. They have sent me something but it is illegible and just cannot be read. They say it isn't and have written in detail several times essentially telling me it meets all legal requirements. They write to chase me maybe once a week. I stopped token payments.
Phew, I know it is an awful lot. I'm still really embarrassed about getting myself into this state but it feels better to write it down. Thanks for bearing with me!
I'm trying to get myself organised and really hoping this diary will help me (definitely can't hurt!). To cut a long story short, I got myself into a huge amount of debt and after a drastic change in circumstances things finally spiralled out of control and I got default after default and just couldn't recover from it. Eventually I got help from CAB and I have been paying token payments for a few years (but stopped most of these relatively recently). I sent my CCA requests a couple of years ago but didn't get very far (despite writing repeatedly by recorded delivery). With Niddy's brilliant advice and help though I have been lucky enough to get letters for two accounts saying they are on hold as they are unable to locate the required paperwork! I can't tell you the relief when I got those, thanks very much again Nid.
Barclaycard - I have been paying token payments for around 5 years. I thought I still was ( ;Red ) but actually just realised I did in fact cancel my token payment since I can't get my CCA from Barclays. All I have ever gotten is a set of terms and conditions and despite many letters Barclays never sent anything else. I have never received a default on this account.
Cahoot - Almost certain this is enforceable. Has been sold on to several collectors. Not sure who it is currently with.
MBNA- They have sent me an application which they say acts as a CCA (it says CCA on it too) and a set of terms, but some of the terms the sent don't relate to the corresponding numbered points on the application form. They won't send me anything else so I stopped token payments.
Egg - No idea where I am on this one in truth, but will get my paperwork together and figure it out. It was finally sold to a collector (after being with several others)
Nat West - Have stopped asking for any CCA info as nothing is ever sent from any of the debt collection companies claiming to own the account. Haven't heard anything about it in a while.
Cabot- Small account. They have sent me something but it is illegible and just cannot be read. They say it isn't and have written in detail several times essentially telling me it meets all legal requirements. They write to chase me maybe once a week. I stopped token payments.
Phew, I know it is an awful lot. I'm still really embarrassed about getting myself into this state but it feels better to write it down. Thanks for bearing with me!
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