CCA checks

[Helpme34]

• HELPME34's UE Diary

Santander Credit Card

• Feb 2008
• £2618
• Last full payment: Jun 2012
• DMP
• Defaulted Dec 2012 - dropped off credit file
• Wescot Credit Services

5 July - letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf.
August - letter sent requesting CCA agreement.
08 Aug - letter stating account on hold until request investigated.
27 Aug - copy of account opening agreement received.
05 Sep - transaction summary received.

18 Sep - CCA sent to Niddy - Confirmed Unenforceable!!

Hi Di

Apologies...I hadn't updated the post. Niddy is back and confirmed a few days ago that the paperwork is unenforceable. He said he couldnt say anything about the terms until they sent them to me.

[Joanna Connolly Solicitors]

Hi. Does anyone know if Niddy is back?

Which credit agreement account are you waiting to hear about (assuming that's the reason for your question)?

Is it your Santander credit card?

I can't see anything about a CCA Request to Santander in your Diary post, but I can see a later post where you were hesitant to send one because your mortgage is also with Santander.

• HELPME34's UE Diary

Santander Credit Card

• Feb 2008
• £2618
• Last full payment: Jun 2012
• DMP
• Defaulted Dec 2012 - dropped off credit file
• Wescot Credit Services

5 July - letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf.

Or is it another debt?

Di

[nightwatch]

he should be , if your still waiting for a verdict off him, I would resend to him,

[Helpme34]

Hi. Does anyone know if Niddy is back?

[Warwick65]

I once had a visit from someone who to be fair was really nice, all I said was that the account I believed he may be talking about was seriously disputed and the creditor knew this. He asked me to send a letter stating the same which I did- at the same time being very careful not to acknowledge the debt. Never heard from anyone ever again.

[nightwatch]

They have no power of any sort,
if you know when they may call just don't open the door,
the call is to ;
1, make sure it is you that lives there
2, get you to admit the debt is yours
3, talk you into starting up a repayment plan,
If you do open the door, just say not today thanks and close the door.

[The Tech Clerk]

do not make the mistake in speaking to them about the contents of their visit. and do not tell them anything about the aledged debt and enforceability. I had a company years ago threatening me about a debt, so I politely stated so they could hear :- Lads who have we got in so and so area> as I got a chap here threatening allsorts and needs seeing to:- never heard from them again.

[The Tech Clerk]

if they do call just ask them to leave and close the door, no letter etc will stop them in most cases, they can make an appearance at least once (caller on commissions hopefuls)

[Helpme34]

• HELPME34's UE Diary

HSPF then Bank of Scotland credit card

• Feb 2010
• £1184
• Last full payment: Jun 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Moorcroft Debt Recovery

Jun 2018 - CCA's requested
July 2018 - Paperwork received
May 2019 - Deemed UE by Niddy

9 July - letter from Moorcroft requesting to get in touch as Payplan are no longer dealing with my account.
9 Sep - letter requesting payment as not received.
21 Sep - Letter stating account has been passed to Home Collections division and someone will call at the address!!

So now I'm panicking as I don't want these people knocking on my door! What are the next steps I should take?

[The Tech Clerk]

Yup, a real first world problem isn't it. Being stranded while away on your xth holiday of the year

Shame is it not lol

[The Tech Clerk]

was 3 months once stranded only went for 4 weeks, lovely weather then in the late 80s

[Warwick65]

Oh you meanies!! He did mention the word 'stranded' in the email..poor guy

Yup, a real first world problem isn't it. Being stranded while away on your xth holiday of the year

[Helpme34]

Oh! I might fly over him when I return then from holiday, ////// soon

Oh you meanies!! He did mention the word 'stranded' in the email..poor guy

[The Tech Clerk]

he may be some time, flew with Thomas Cooke

Oh! I might fly over him when I return then from holiday, ////// soon

[Helpme34]

From what you say Lowell's letter simply asks you to contact them. It's not threatening anything is it?

If not then it doesn't require a response or a s77-79 CCA Request (yet).

I've got a little lost reading the last few posts on this thread because I can't always see which debt they refer to.

Lowell have your original HSPF loan after it was assigned to them in 2014, and you've never sent a CCA Request to anyone (so far). DrydensFairfax solicitors were managing the debt on behalf of HSPF, and continued to do so after Lowell purchased it. Recently DrydensFairfax have ceased to write to you, and you've had a mild(?) letter from Lowell (not Lowell Solicitors(?).

Your Santander debt is still owned by them but managed by a DCA (Wescot) and you've sent a CCA Request to Wescot not Sandander(?). You've been sent documentation by Wescot which you have emailed to Niddy for his opinion on its enforceability.

Correct me if I've misunderstood things (it happens).

Perhaps update each of the debt posts to keep things on track, and then quote them before you ask a question so members can see the full history in one post..

Di

That's all correct Di. Sorry i seem to have got things confused! I'll update each post as advised