CCA checks

[Helpme34]

Thank you both. Panicking for no apparent reason. Really appreciate the help and support here

[Helpme34]

HELPME34's UE Diary

HALIFAX credit card

• Apr 2008
• £3132
• Last full payment: June 2012
• DMP
• Defaulted Nov 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
6 July - letter from Wescot stating they would like to offer a reduced settlement amount and asking me to contact them to discuss further.

So last year, Wescot returned my postal order when I requested CCA's as I had made it payable to them when it should have been to Halifax. Should I now write again requesting CCA's from Halifax?

[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.

This was one of the creditors I didn't request a CCA from as my mortgage is with them. But as Nightwatch mentioned earlier my mortgage is separate so I will be requesting CCA's from them too.

[cymruambyth]

So last year, Wescot returned my postal order when I requested CCA's as I had made it payable to them when it should have been to Halifax. Should I now write again requesting CCA's from Halifax?

Yes I would send a CCA request to Halifax. The CCA request with £1 is a statutory request and is UE whilst it is unfulfilled.

[Helpme34]

So, in the space of 3 days, I have received 4 x CCA requests from Link Financial. I had requested these last June and heard back nothing! I hope it is OK for me to email these to Niddy to check if they are enforceable.

[The Tech Clerk]

yes send them:- webmaster@all-about-debt.co.uk link this thread

[Helpme34]

I have e-mailed all 4 CCA agreements to Niddy. Fingers crossed....

[Helpme34]

• HELPME34's UE Diary

Virgin MBNA credit card

• Feb 2009
• £1509
• Last full payment: July 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Link Financial

June 2018 - CCA's requested - no reply
22 Aug 2019 - CCA's received - to be e-mailed to check for enforceability.
28 Aug - response from Niddy - This was an online application and they’re using a tick in the box signature. However, Niddy believes it’s UE due to incompleteness of application prescribed terms.

If someone can kindly advise the next steps I should take please

[Helpme34]

HELPME34's UE Diary

MBNA credit card

• Apr 2007
• £5385
• Last full payment: June 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Link Financial

22nd Aug - CCA's recieved - to be e-mailed to check for enforceability
28th Aug - Response from NIddy - Online application but is questionable

Again - would just to know what to do next please

[Helpme34]

• HELPME34's UE Diary

BARCLAYCARD

• Dec 1999
• £3265
• Last full payment: July 2012
• DMP
• Defaulted March 2013– - dropped off credit file
• Link Financial

22nd August - CCA's received - to be e-mailed to check for enforceability
28th Aug - response from Niddy - looks UE as there are only random terms and no signed agreement.

I'm assuming I should just keep quiet on this one

[Helpme34]

• HELPME34's UE Diary

Virgin MBNA credit card

• May 2009
• £2457
• Last full payment: July 2012
• DMP
• Defaulted Feb 2013– - dropped off credit file
• Link Financial

24th August - CCA's received - to be e-mailed to check enforceability.
28th Aug - response from Niddy -This was an online application and they’re using a tick in the box signature. Niddy still thinks it's UE due to incompleteness of application prescribed terms.

Same question - next steps to take please..

[nightwatch]

There is nothing for you to do at the moments
Niddy has said they are UE, so sit back and see what they send next.

NW

[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.

I recieved a reply to the CCA request and it seems genuine to me. I have emailed to Niddy to check.

[The Tech Clerk]

Ah! Wetcloths opppssss (Wescot = we hope to make money collecting from you ) are only collection agents and no owners

[Helpme34]

• HELPME34's UE Diary

HSPF Loan

• Feb 2010
• £11736
• Last full payment: Jun 2012
• DMP
• Defaulted Dec 2012– - dropped off credit file
• Drydens Fairfax Solicitors

11 Sept - Annual statement received from Lowell. It appears they have bought the debt

16 Sept - Letter received asking to contact them to discuss the account as they are the new owners.

So should i be asking them to provide the CCA's for this loan? As i mentioned before, this was a recent loan taken out in 2010.