CCA checks

[The Tech Clerk]

set up a bank account somewhere else and have wages etc paid into that, making sure no links with the bank you are with now i.e. Parachute Account

[nightwatch]

Also what do I do in regards to the four CCA agreements which have so far been confirmed by Niddy to be unenforceable ( sent to me last year in Jun by the DCA's but only just checked)

If you could click edit on the accounts that you have CCA's for ,and just say when you requested them,that it was deemed UE by Niddy, then save,
then if you can quote that post,ask your question, and then hit post, we know you have updated your diary and can then see what has happened, or what you want to know.
we then can look at what to do next,
for now you can stop payments to all till they write to you, giving you time to sort things out. be prepared for calls a plenty as soon as they find you are not with your DMP. try not to speak to them on the phone.

as for your Santander Credit card, it is not linked to your Mortgage so can not cause a problem with it,
It is only a problem if you are banking with them,as they can have a right of offset, taking money from the account to pay the card

NW

[Helpme34]

I have listed all the debts separately as advised and I now have a question.

I have let Payplan know that I am cancelling the agreement with them and wish to go self managed. I did this on 6th June and I have received confirmation from them to confirm they have cancelled the plan. So what I would like to know is what to do next. I'm more concerned about the HSPF Loan which I have, as this is the largest and most recent debt. Should I be writing to them and also should I be continuing to make payments?

Also what do I do in regards to the four CCA agreements which have so far been confirmed by Niddy to be unenforceable ( sent to me last year in Jun by the DCA's but only just checked)

[The Tech Clerk]

Wescot only agents collections if they are lucky

[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 2019- letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf.
11 July 2019- letter asking to get in touch
24 July - letter asking to get in touch
August - letter sent requesting CCA agreement.
08 Aug 2019- letter stating account on hold until request investigated.
27 Aug 2019- copy of account opening agreement received.
05 Sep 2019 - transaction summary received.

18 Sep 2019 - CCA sent to Niddy - Confirmed Unenforceable!!

29 Jun 2020 - letter from Santander advising the account will now be managed by their agent Wescot.
2 July 2020 - letter from Wescot stating they have been instructed by Santander to manage the account and asking to get in touch .
25 Jul 2020 - Letter stating enquiries have indicated that we are resident at this address but have not yet agreed a solution to manage the debt.
4 Aug 2020 - letter offering a reduced settlement offer and asking to get in touch.

31 Dec - Letter from Santander advising account will now be managed by agent Drydens Fairfax Solicitors.
4 Jan 2021 - Letter from Drydens Sols asking to get in touch by 18th Dec to arrange payment.
26 January - Letter from Drydens Sols stating to avoid further recovery action, I should contact their office by 9th February.

[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 2019 - Annual statement received from Lowell. It appears they have bought the debt
11 Sept 2019 - Notice of sum in arrears from Lowell Financial Ltd
16 Sept 2019 - Letter received asking to contact them (Lowell Financial) to discuss the account.
10 Mar 2020 - Annual statement from Lowell
10 Mar 2020 - Notice of sum in arrears from Lowell Financial Ltd

28 Dec - Letter received from Bank of Scotland stating that following a review of their processes as they didn't always take appropriate action, they have decided to refund the grand old sum of £10.08 to the account which is of course being looked after by Lowell.

[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 2019 - letter from Moorcroft requesting to get in touch as Payplan are no longer dealing with my account.
9 Sep 2019 - letter requesting payment as not received.
21 Sep 2019 - Letter stating account has been passed to Home Collections division and someone will call at the address!!
14 Oct 2019 - Letter received stating that they are willing to offer a substantial discount on the outstanding balance and that i should get in touch.
13 Nov 2019 - Letter giving option of an Interest Free Payment Plan or A Substantial Discount

[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.
13 Jan 2020 - letter from Link stating they have not written to me for some time as they had to validate my address. Requesting for me to contact them regarding my intentions to repay the outstanding balance.
13 Feb 2020 - letter requesting to get in touch

[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 2019 - CCA's received - to be e-mailed to check for enforceability
28th Aug 2019 - response from Niddy - looks UE as there are only random terms and no signed agreement.
13 Jan 2020 - letter from Link stating they have not written to me for some time as they had to validate my address. Requesting for me to contact them regarding my intentions to repay the outstanding balance.
18 Feb 2020 - letter requesting to get in touch
28 July 2020 - letter requesting to get in touch.

[Helpme34]

HELPME34's UE Diary

BARCLAYS credit card - possibly EGG

• Jan 2004
• £2684
• Last full payment: July 2012
• DMP
• Defaulted Feb 2013 - dropped off credit file
• PRA Group

Jun 2018 - CCA's requested
July 2018 - Paperwork received
May 2019 - deemed UE by Niddy
Aug 2019 - offer of a 10% discount off the full balance.
Nov 2019 - Letter of claim received from PRA
Referred to Joanna Connolly Solicitors to take forward.
16 July 2020 - Letter of discontinuance from PRA!

[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 2019 - letter from Wescot asking me to contact them as Payplan are no longer acting on my behalf
6 July 2019 - letter from Wescot stating they would like to offer a reduced settlement amount and asking me to contact them to discuss further.
26 July 2019 - letter from Wescot asking me to contact them urgently.
25 November 2019 - Letter from Link stating the account is being transferred from (no name inserted) to Link Financial Outsourcing Ltd and requesting I complete a budget plan.
10 Jan 2020 - letter requesting to get in touch.
6 April 2021- Letter of claim recieved from Kearns Solictors dated 6th but received 20th April!!

[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 2019- CCA's recieved - to be e-mailed to check for enforceability
28th Aug 2019 - Response from Niddy - Online application but is questionable
13 Jan 2020 - letter from Link stating they have not written to me for some time as they had to validate my address. Requesting for me to contact them regarding my intentions to repay the outstanding balance.

[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 2019 - 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.
13 Jan 2020 - letter from Link stating they have not written to me for some time as they had to validate my address. Requesting for me to contact them regarding my intentions to repay the outstanding balance.

[Helpme34]

• HELPME34's UE Diary

Barclaycard

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

Jun 2018 - CCA's requested
July 2018 - Paperwork received
May 2019 - Deemed UE by Niddy
Aug 2019 - offer of a 10% discount off the full balance.
Dec 2019 - email received stating offer to pay £868.76 to clear balance.
July 2020 - email received offering 65% discount (to pay £506.78 to clear)

[Helpme34]

• HELPME34's UE Diary

Barclaycard

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

Jun 2018 - CCA's requested
July 2018 - Paperwork received
May 2019 - deemed UE by Niddy
11 Oct 2019 - offer of a 10% discount off the full balance.
1 Nov - Letter Before Claim received from PRA stating I need to complete the form and return within 30 days or I'll be taken to court
Referred the claim onto Joanna Connolly Solicitors to take forward
07 July 2020 - PRA have discontinued the claim!!!