CCA checks

[Helpme34]

• Halifax Credit Card
• Apr 2008
• £3132
• Last full payment: July 2012
• DMP
• Defaulted Nov 2012 - dropped off file
• Wescot Credit Services

Debt No 5

Is Halifax still the owner of this debt or could it have been assigned/sold to a debt purchaser?Halifax sent a letter dated 16 Nov 2002 stating that as a suitable repayment plan had not been agreed, they were transferring the card to a debt collection agency i.e Wescot Credit Services Ltd

Westcot Credit Services are a Debt Collection Agency who would be acting on behalf of the debt owner.

Have you sent a s 77/78 CCA Request to anyone for this debt yet? I sent the CCA request to Wescot in June 2018 with the postal order made payable to Wescot. They returned it stating that it had to be made payable to Halifax. Filed away at the time. New request to be sent.

Di

[Joanna Connolly Solicitors]

I hope I've done the diary correctly. Waiting for your response

It's getting there

You've helpfully listed your 11 debts so the full picture is clear; but it would be even more helpful if you could now list each account in a separate post which you can re-quote and update when something happens.

Here's an example of a perfect Diary so you can see what I mean > https://all-about-debt.co.uk/forum/d...xie-s-ue-diary

If you've got any questions just post them on here and a Mod will help you to get started.

Di

[nightwatch]

I have just written to Payplan to confirm I will be managing my own DMP from now on. So I'm assuming the best way forward is to include all the creditors on the Financial statement but not send any money to those who have not supplied the CCA's or have produced unenforceable ones? Question that I have is what do I write in the letters which are generated from the NEDCAB website offering payments? This letter also advises that I am longer with Payplan.

Do nothing they will all contact you as soon as the payments stop, Payplan will say they are no longer dealing with it.
expect your phone to be red hot, just say you will not deal over the phone and every thing is to be in writing only,
we have plenty of templates you can use

NW

[Helpme34]

Originally posted by Helpme34 View Post

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

Debt No 4

I'll assume that Link haven't responded to your s 77/78 CCA Request for this debt either (according to your first post).

In which case the debt will become unenforceable until or unless they do comply. When did you send the request?

Yes request sent June 2018 - no response

Don't write to Link again or they may try harder to comply, which is exactly what you don't want them to do!

Di

[Helpme34]

Originally posted by Helpme34 View Post

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

Debt No 3


Did you apply online for this Virgin MBNA credit card? I have no idea how I applied for this one!!

I see it's been assigned to Link and from your first post they have not responded to your s 77/78 CCA Request. Yes request sent June 2018 - no response whatsoever

Don't write to remind them because the debt will be unenforceable until or unless they produce the credit agreement within the statutory timeframe.

Do nothing for now. I have just written to Payplan to confirm I will be managing my own DMP from now on. So I'm assuming the best way forward is to include all the creditors on the Financial statement but not send any money to those who have not supplied the CCA's or have produced unenforceable ones? Question that I have is what do I write in the letters which are generated from the NEDCAB website offering payments? This letter also advises that I am longer with Payplan.
Di

[Helpme34]

Barclaycard

• Feb 2008
• £1454
• Last full payment: July 2012
• DMP
• Defaulted Jan 2013– dropped off credit file
• PRA Group

Debt No 2

Same questions

Was Barclaycard the original account holder and did you have PPI? Yes it was Barclaycard and No it did not have PPI.

Since it's now been assigned to PRA I would send a s 77/79 CCA Request to them.

If you've already sent a request and had a response then email it (the documents PRA sent) to Niddy (the forum owner) using webmaster@all-about-debt.co.uk Documents already emailed to Niddy a few days ago and currently confirmed as Unenforceable. This too was an internet application

Di

[Helpme34]

• Barclaycard - previously EGG
• Feb 2009
• £3120
• Last full payment: July 2012
• DMP
• Defaulted Jan 2013– dropped off credit file
• PRA Group

Debt No 1

Did this account begin as Barclaycard or could it have been an Egg credit card which Barclaycard purchased in 2011?

Checked on CCA agreement which they sent and it states it was an EGG card and was applied for over the Internet.

Did you have PPI on this account? No

I would send a s 77/78 CCA Request to PRA to get the ball rolling:

Or have you already done that? CCA request initially sent last June but response file away at the time. Emailed to Niddy a few days ago who has advised this is unenforceable as no signed agreement enclosed.

[Joanna Connolly Solicitors]

• Santander Credit card
• Feb 2008
• £2618
• Jul 2012
• DMP
• Defaulted Jan 2013 - dropped off credit file
• Wescot Credit Services

Debt No 11

Is this one still with Santander or has it been assigned/sold to a debt purchaser?

As long as you're still paying the original creditor it's unlikely to be sold. When a debt is assigned it can make things easier for you because the debt purchaser doesn't necessarily have access to the historical data/information making it potentially harder for them to comply with any request for documents.

It's not only the credit agreement which they would need to enforce the debt in court, it can be loads of other things such as the Default Notice and proof that they have Title to the debt (assignment issues).

Di

[Joanna Connolly Solicitors]

• HSPF Loan
• Feb 2010
• £11736.95
• Last Full payment: Jun 2012
• DMP
• Defaulted Dec 2012 - dropped off credit file
• Drydens Fairfax Sols

Debt No 10

This debt was definitely a HSPF loan (according to you). Was there any PPI involved?

I can see it's with DrydensFairfax solicitors but who is their client (the current debt owner)?

Have you been sent anything threatening such as a Letter of Claim which needs attention since it's £11k?

Have you sent a s 77/78 CCA Request to anyone for this debt?

Di

[Joanna Connolly Solicitors]

• HSPF then HBOS Bank of Scotland Credit card
• Feb 2010
• £1184
• June 2012
• DMP
• Defaulted Feb 2013
• Moorcroft Debt Recovery

Debt No 9

Home Shopping Personal Finance?

What's the story behind this account - could it have been an unsecured loan not a credit card?

Who currently owns the debt since Moorcroft Debt Recovery are a Debt Collection Agency?

Di

[Joanna Connolly Solicitors]

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

Debt No 8

If Link have not replied to your s 77/78 CCA Request then this one will also be unenforceable until or unless they do comply.

No need to send any follow-up correspondence.

Di

[Joanna Connolly Solicitors]

• Barclaycard
• Dec 1999
• £3729
• Last full payment: July 2012
• DMP
• Defaulted March 2013 – dropped off credit file
• Link Financial

Debt No 7

A compliant Barclaycard credit agreement from 1999 may be a challenge for a debt purchaser to source.

Would you have opened this in branch or in response to an Invitation letter etc?

Is this another one where Link have not responded to your s 77/78 CCA Request?

If so then sit tight to see what they say or do next.

Di

[Joanna Connolly Solicitors]

• Barclays credit card – possibly EGG
• Jan 2004
• £2684
• Last full payment: July 2012
• DMP
• Defaulted Feb 2013 – dropped off credit file
• PRA Group

Debt No 6

If this was an Egg credit card from the beginning (2004) which was subsequently bought by Barclaycard it'll be interesting to see what documents PRA produce. They need the credit agreement and the appropriate Ts & Cs from inception. This can be a struggle for them in some circumstances.

If you've already sent the s 77/78 CCA Request and had a response then email it to Niddy using webmaster@all-about-debt.co.uk

Di

[Joanna Connolly Solicitors]

• Halifax Credit Card
• Apr 2008
• £3132
• Last full payment: July 2012
• DMP
• Defaulted Nov 2012 - dropped off file
• Wescot Credit Services

Debt No 5

Is Halifax still the owner of this debt or could it have been assigned/sold to a debt purchaser?

Westcot Credit Services are a Debt Collection Agency who would be acting on behalf of the debt owner.

Have you sent a s 77/78 CCA Request to anyone for this debt yet?

Di

[Joanna Connolly Solicitors]

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

Debt No 4

I'll assume that Link haven't responded to your s 77/78 CCA Request for this debt either (according to your first post).

In which case the debt will become unenforceable until or unless they do comply. When did you send the request?

Don't write to Link again or they may try harder to comply, which is exactly what you don't want them to do!

Di