Homeowner debt

[Joanna Connolly Solicitors]

I’ll able to do separate posts on Monday.

Separate post for each debt will help the Mods and other members to follow the story and make up-to-date suggestions.

Simply re-quote the post and add any new information as and when it happens.

Here's an example of a perfectly laid out Diary > https://all-about-debt.co.uk/forum/d...xie-s-ue-diary

I look forward to helping you on your journey.

Di

[Nik nik]

Hello Di,

•It was Barclaycard from the start.

•RBS sent default notice (yesterday)

•Shawbrook and lendable sent an agreement on my email to sign.

Sorry I wasn’t able to separate posts as I had to work without day off, hope I can do it next week.

Thsnk you do much for your time

[Nik nik]

Hi,

I am posting list of all my debts, please advise how to avoid CCJ and Charging Order? Can I offer all my creditors £5 or £10 a month until my current situation will improve? i am worried and scared

Any advice and help will be greatly appreciated.

Thank you in advance.

[Nik nik]

Hi,

I am posting list of all my debts, please advise how to avoid CCJ and Charging Order? Can I offer all my creditors £5 or £10 a month until my current situation will improve? i am worried and scared

Any advice and help will be greatly appreciated.

Thank you in advance.

[Nik nik]

Debt 1️⃣
•NatWest credit card
•Date commenced: 2009
•Limit: £8700
•Currently: £8909
•Last full payment: £187 on 23/11/2018
•default notice: 8/03/2019
•Not paying

Received from NatWest:
•1/02/2019
This notice is being sent to you as requested by the consumer Act 1974 because default sums have levied on the account. (£12)

•1/03/2019
This notice is being sent to you as required by consumer credit act 1974 because you are behind with your payment (£197.93)

•I sent I&E and offered £50 a month

•7/03/019
Thank you for your proposal for repayment of the account.

Account will be closed and interest will not be charged.

•I called to set up D/D and they requested £125 a month. (Not paying)

•1 April 2019
Account termination

————————————————23/04/2019 requested CCA
08/04/2019 received CCA
Niddy said it’s enforceable.

[Right-a-wrong]

Hello Di,

•It was Barclaycard from the start.

•RBS sent default notice (yesterday)

•Shawbrook and lendable sent an agreement on my email to sign.

Sorry I wasn’t able to separate posts as I had to work without day off, hope I can do it next week.

Thsnk you do much for your time

Hi Nik nik, Just Reading your thread and noticed Shawbrook and Lendable have both emailed you an agreement to sign, DO NOT DO THIS, I take it if I am reading correctly they have no signed agreement from you, this can only be a good thing.

[Nik nik]

They send loan agreement on my email and I signed
in a box (I think it’s e-signature?)

[Nik nik]

•Debt 2️⃣
•Natwest credit card open 2006
•Limit £300
•Currently: £305
•Last payment 12/2018
•Default notice: 15/03/2019
•Not paying

•14/03/2019 received:
your account will be cancelled
within this agreement interest will not be charged


•I will send CCA request.

[Right-a-wrong]

Hi,

I am posting list of all my debts, please advise how to avoid CCJ and Charging Order? Can I offer all my creditors £5 or £10 a month until my current situation will improve? i am worried and scared

Any advice and help will be greatly appreciated.

Thank you in advance.

Hi Nik nik, someone better qualified than me will be along to help, but what I can say is keep posting, you will have the very best help and you are a very very long way away from a CCJ or charging order (if at all). Please try not to worry, we have all been in your shoes, it is scary, but if you accept what is being suggested here, follow the advice and never phone these companies or make any contact without posting here first you simply cannot go wrong. Good luck on your journey, in a few short weeks or months you will get to grips with things and life will seem much easier. X

[Nik nik]

•Debt 3️⃣
•RBS credit card open 2006 (originally was Mint)
•Limit £500
•Currently: £510
•Last payment 11/2018
•Default notice: 29/05/2019
•Not paying

•Debt 1,2&3 all with NatWest.

They didn’t accept minimum payments for debt 2&3 i was told I have to pay £125 towards all accounts.
•not paying

•I will send CCA request

[Nik nik]

•Debt 4
•Barclaycard
•commenced: 2006
•Limit £8000
•Currently: £8,583.45
•Last full payment: £230 on 12/2018
•Default notice: 14/04/2019
•Not paying from this month

•I sent I&E with £50 offer

•14/02/2019 received:
In order to help you we require farther more details regarding I&E

•I ignored all phone calls but Paid £50 each month.
From this month I’m not paying.

•3/02/2019 received:
We need to speak to you as soon as possible etch.

•14/04/2019 received:
You have missed number of payments and account is overdue your card has been permanently cancelled.
Please get in touch straight away

•19/04/2019 requested CCA
•13/05/2019 received CCA
•Niddy said it’s enforceable

•30/05/2019
Default notice

•14/06/2019 received email:
We know that payments on your account are very overdue - but we can still help you and stop your credit rating from being affected any more.

•5/08/2019 letter from Barclaycard:
we’re getting in touch to let you know that on 26/07/2029 we sold your Barclaycard account to PRA Group (Uk) limited, so they’ll be looking after your account from now on.
please start making payments to PRS Group Limited.

•5/09/2019 letter from PRA
we, at PRA Group(UK) Limited, have recently purchased your outstanding balance with Barclaycard, and are writing to let you know what this means, with effect from 26/07/2019, the bene, rights, title and interest of this account are assigned to us.

•5/09/2019 letter from PRA
Discount offer:
we are writing to tell you we may be able to offer you a settlement figure on your account. This means that we may accept a lower figure than your current outstanding balance to settle your account in full.

•11/12/2019 letter from PRA
PRS Group limited has purchased your outstanding balance with Barclaycard.
your account is being managed by our investigation and litigation department to look at your outstanding debt for possible litigation recovery.
if we do not hear from you, then we will be forced to undertake further investigation to gain an insight into your ability to pay the outstanding balance. We look forward hearing from you within 14 days.

•25/12/2019 letter from PRA
but received on 06/01/2020

we writing to our previous letter sent to you, advising that your account has now been transferred to the investigation and litigation Department.
this letter before claim as required by the practice direction on pre-action conduct & protocol contained in the civil procedure rules. This letter constitutes a formal demand for payment of £xxxx and to give you notice of PRA Group’s intention to issue court proceedings against you etch.

there is form: you have 30 days from the date at the top of the enclosed letter to fill in and return this form.

there is also I&E sheet

(Thank you so much to Colin and team case was won in the court )
im so happy

[Nik nik]

•Debt 5??
•Shawbrook personal loan
•Commenced: 2016 (applied online)
•Terms 60 month
•Amount of credit £10,000
•Total payable: £13,405.80
•Monthly payment £223.43
•Account balance: £6,945
•Last full payment: £223.43 27/12/2018
•Arrears outstanding £996

•01/2019 Sent I&E with £50 offer, they requested 3 month bank statement and payslips, i didn’t send and ignored phone calls.
When I applied for loan they didn’t ask for statements and payslips.

they sent 3 or 4 letters but i can’t find.

•I’m paying £50 a month.
•This month paid only £10.

•Received CCA Niddy said it’s enforceable.

•2020 debt was sold to Cabot and they took me to the court.

•Colin & Di helped me and case was
dismissed by court
thanks to Colin Di and Joanna Connolly Solicitors x

[Nik nik]

•Debt 5️⃣
•

[Nik nik]

•Debt 7??
•Very catalogue open 2006
•Credit limit: £4000
•Outstanding: £3060.93
•Last payment: £190 made 11/2018
•No default notice

•12/12/2018 Sent I&E
•paid £50 a each month
•Stoped payment from this month
•I’m ignoring calls.

(2015/16/17 I spent Around 17K and paid back)

•Sent CCA request on 26/4/2019 no reply

8/07/2019 received:
the payment clause of the agreement provides that you must make the required periodic payment in full by its due date. You are in breach of that clause because you failed to make all your periodic payments in full when due.
If you do not take the action required by this notice before the date shown then the further action set out below maybe taken agains you.
if you have difficulty in paying any sum owing under the agreement or taking any other action required by this notice, you can apply to the court which may make an order allowing you or any surety more time.
•November 2020 received claim form from lowell and I instructed Joanna Connolly Solicitors.they are very experienced and professionals! So happy to find them.
thank you Di Colin and all team

Thanks to Colin and team ? they won this case in the court.

[Nik nik]

•Debt 6️⃣
•Lendable personal loan (applied online)
•Commenced: 01/12 2017
•Amount of credit £10.000
•Last full payment: £258.31 on 29/10/2018
•Total payable: £15,566.67
•Monthly payment £258.31
•Account balance: £9832.24
•Not defaulted

•11/2018 I called and they agreed to reduced payment of £100 for 4 month.

•03/2019 cancelled D/D

•25/04/2019 received email:
IMPORTANT INFORMATION ABOUT YOUR LOAN AGREEMENT ACCOUNT NUMBER 39164

Following a recent review of our customer account communications, we have found that some Notices of Sums in Arrears (notice) that we provided to customers did not fully comply with the requirements of the Consumer Credit Act 1974 (CCA). This was because we sent the notices later than required by the CCA. The relevant notice has since been sent to your registered email address accompanied by the FCA Arrears Information Sheet, which is required to be included under the CCA.

Under the CCA you are not liable to be charged any interest accrued for the period during which we failed to provide you with compliant notices nor are you liable to pay any default sums (that is any late or missed payment fees, or other related sums that were applied to your account during that period.)

We can confirm that you were not charged any default sums during the relevant period but you were charged interest. As we charged you interest during this period of non-compliance, we are crediting you all the interest you were charged during this period, totaling £8.43.


•15/05/2019 received email:

If you are experiencing financial difficulty, we will be happy to discuss your individual circumstances with you.

•I reminded them of CCA request
•Same day received on email with CCA

•15/05/2019 they requested 3 months bank statments and payslips.
I ignored email.

1/07/19 I received 3 emails from lendable:
Your Lendable account is in arrears. If we do not hear from you today we may send a local representative to visit you as we need to understand your circumstances.

12/07/2019 found letter from representative:

i gave I’ve been instructed to contact you by our client but have been unable to meet with you.
To prevent a further visit please contact our client
and then call me to confirm that you have done this.
If i do not hear from you I will visit you again over the next few days.