CCA checks

[Helpme34]

CCA to owners = wescot are only commissions agents and hope to get money out of you!

Yes that wasn't very clever of me!! Will send to owner

[Helpme34]

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

Thank you for all your help so far Di.

I have replied to all the questions for each debt which you asked about. I will start a new diary as you have advised and will take it from there!

[Helpme34]

Originally posted by Helpme34 View Post

• 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? Still with Santander but Wescot managing.

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. Also our mortgage is with Santander too, so again don't want to open a can of worms by requesting CCA's especially as they are still the debt owners.

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

[Helpme34]

Originally posted by Helpme34 View Post

• 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? Definitely a Loan & No PPI

I can see it's with DrydensFairfax solicitors but who is their client (the current debt owner)? Debt sold to Lowell Portfolio on Mar 2014. Managed by Drydens

Have you been sent anything threatening such as a Letter of Claim which needs attention since it's £11k? No. Never received any such letter.

Have you sent a s 77/78 CCA Request to anyone for this debt? No was concerned as the debt is pretty recent and they actually had a courier who came to our address to get the loan agreement signed. Just concerned due to the large amount and recent opening status.

Di

[Helpme34]

• 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? Yes, taken out around the same time as loan with HSPF

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

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

Di

[Helpme34]

• 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. Noted

No need to send any follow-up correspondence.

Di

[Helpme34]

Originally posted by Helpme34 View Post

• 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? Hubby unable to recall as so long ago

Is this another one where Link have not responded to your s 77/78 CCA Request? Yes CCA sent June 2018 and no response received.

Letter received March 2013 from Barclaycard stating that they had assigned the debt to Link Financial Outsourcing Ltd and they would contact us within 30 days. Upon checking, I have noticed that we have 4 debts in total assigned to Link. We have received statements from them every year for all the other 3 accounts but no statement ever received for this account!!


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

[Helpme34]

• 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.

CCA agreement received July 2018

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 Emailed to Niddy who advised debt is unenforceable.

Di

[The Tech Clerk]

CCA to owners = wescot are only commissions agents and hope to get money out of you!

[Helpme34]

err

[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