Hello! I've just discovered this site and so here goes.....

[PlanB]

Gosh Di you are so right! I was in a right old state about it all 12 months ago, actually thought we were going to lose the house and everything, sleepless nights, the lot. Then thank goodness I stumbled across this forum! I don't even mind getting letters from them all now, its all part of the game and I just wonder what move they have made and actually look forward to opening the letter to see! I don't stress about it at all anymore now I understand much better how they all work thanks to you and Niddy and all the other posters. I know I have a long way to go but at least I have a plan of attack and I raraely even think about it day to day now, I just get on with my life! So thank you for everything you guys do!

Is there anything to update on your debts, or have things gone quiet pleasantly?

Di

[wineaddict2020]

Is there anything to update on your debts, or have things gone quiet pleasantly?

Di

I have a big pile of letters I need to update!! Nothing very exciting though, just same types of letters which I’m ignoring. Odd phone call and text.
Still absolutely nothing from Halifax on three debts with them which I find odd!

[Warwick65]

Long may the silence continue. So long as you pluck up the courage to open all the post just in case you get things that need answering.

[wineaddict2020]

Long may the silence continue. So long as you pluck up the courage to open all the post just in case you get things that need answering.

Oh don’t worry I open everything! I’m often disappointed they have nothing more exciting to say!! ?

[PlanB]

I have a big pile of letters I need to update!

I’m glad there’s nothing important or pressing to update.

No news is good news not bad news

I wasn’t checking/setting you homework I was simply watching your back in case anything nasty happens.

Let me know if it does.

Di

[wineaddict2020]

I’m glad there’s nothing important or pressing to update.

No news is good news not bad news

I wasn’t checking/setting you homework I was simply watching your back in case anything nasty happens.

Let me know if it does.

Di

Just updated my Sainsbury’s bank diary - had a letter saying they are taking my account off hold?? Hoping that doesn’t mean they are going to start adding fees and interest!! Account was put in default in December.

[PlanB]

Sainsbury's

• Credit Card
• Opened August 2013
• Approx balance - £4,500
• Date last monthly payment paid in Full - March 2019 - DMP payments from Nov 2019 - June 2020
• Are you on arrangement or not paying - on DMP with Pay Plan up until now but just cancelled
• Status (default/in arrears/up-to-date) - No default listed yet despite over 12 months of no full monthly payments!!! They said they can default at my request - this worries me as only one not recorded a default!!!
• Account owner (who is writing to you, a DCA or the lender or a debt purchaser) - Sainsbury's Bank

17th June 2020 - sent CCA request
25th June 2020 - letter recieved saying before they can action my request they need to speak to me for security puposes. I haven't responded, not sure if i should?


13th August 2020 - letter received - notice of sum in arrears, accompanied by FCA Arrears information sheet. Says I’ve failed to pay the minimum monthly payment for last two months. Bit odd as I haven’t paid the contractual payment since March 2019! It says I’ve missed July and August 2020 but in July they had still received my DMP payment. They are also showing the £1.00 cheque I sent to accompany CCA request as a payment to my account? That was June. Seems to me they’ve changed tac since receiving that, they haven’t responded to CCA request though!

20.08.2020 - This is getting interesting....! Letter from Sainsubruys in response to my CCA request, they enclose:
- signed statement of account
- reconsituted version of the current terms and conditions
- original signed application
- reconstituted version of the original executed agreement

It states:
"The copy of the agreementincluded with this letter complies with the requirements of the consumer credit (cancellation notices and copies of documents) Regulations 1983 (the "Regulations"). Regulation 3(2)(b) provides that a copy can omit any signature box, signature or date of signature - this means thet we're not required to produce a copy with the primary cardholders signature on it."

They say they will not write to e about this again and that they are satisified they have met their obligation under section 78 and therefore this is fully enforceable.

So i think i'm goosed but send to Niddy, then we notice that the agreement is not my handwriting or my siganture!! So we think its UE. Will play the game, i've got a bit stashed that could pay them off if it gets too serious!!

12.11.20 - Letter from Sainsuburys - They daid they would keep intouch, they are concerned I am showing signs of being in presisten debt (if only you knew the half f it!!) and they recommend i try to pay as much as i can afford to. etc etc The re going to catch up again soon and contact me again in 7 to 9 months time - I am looking forward to it!!

26.11.20 - Another letter from Sainsbury’s bank. Notice served under section 87(1) of The Consumer Credit Act 1974.

in a nutshell if I don’t pay arrears they may:
terminate the credit card agreement
demand immediate ok sumner of total amount

if total arrears are not received by 18/12/2020 they will:
instruct a debt collection agency and/or take legal proceedings against me for the outstanding balance.

then goes into detail about what could happen with legal proceedings etc etc.

They still haven’t put a default on my account I don’t think and this doesn’t mention default anywhere.

Not sure how concerned I should be about this one?!

08.01.2021 - Letter to say Default applied to account in Dec 2020! About time!

20.01.2021. Just had call from Sainsbury’s bank, told them I couldn’t speak. She asked me to call back so I just said to put anything in writing to me! Hoping that stops any further calls. Feels like after taking an age to react they are now upping their game!

09.02.2021 - letter telling me I need to get in touch to discuss my situation or I can return the I&E form enclosed. Filed.

18.02.2021 - voicemail left by Sainsburys bank asking me to call back. Blocked number

25.06.2021 - Have had several letters and phone calls over last few months, all essentially just saying get in touch. Yesterday I received a letter saying my account was no longer on hold and they would continue to work with me to pay??
Not sure if this means they are going to try and start adding fees and interest again? Can they do that? - the account is in default.

Hello

Once a debt has been defaulted they should not add any interest and charges.

It's been almost a year since they responded to your CCA Request with documentation which you described as highly suspicious. You've previously been threatened with legal proceedings (not a formal Letter of Claim) but that warning seems to have fizzled out. Perhaps they know the documents were flawed.

With any luck Sainsbury's will now assign/sell your account.

Post up when/if you hear from them again.

Di

[wineaddict2020]

» Harassment by Telephone for use if needed regarding the bank calls

I am three years into ignoring these debts - Westcott have just started calling - a lot!, about my Halifax debts, of which there are three. I'm not bothered but it is starting to annoy my other half who works from home (we don't answer) - if I used this letter would I be admitting to the debt? I am sure they will get bored soon so don't want to potentially ruin my 3 year stinit of admitting nothing!

[Still Waving]

I am three years into ignoring these debts - Westcott have just started calling - a lot!, about my Halifax debts, of which there are three. I'm not bothered but it is starting to annoy my other half who works from home (we don't answer) - if I used this letter would I be admitting to the debt? I am sure they will get bored soon so don't want to potentially ruin my 3 year stinit of admitting nothing!

Can you put a block on their numbers? Should cut down on the nuisance value.

[Pat]

A carefully crafted letter will not reset the clock. You can say these frequent calls to x number are harassing

[Roger]

I am three years into ignoring these debts - Westcott have just started calling - a lot!, about my Halifax debts, of which there are three. I'm not bothered but it is starting to annoy my other half who works from home (we don't answer) - if I used this letter would I be admitting to the debt? I am sure they will get bored soon so don't want to potentially ruin my 3 year stinit of admitting nothing!

Thats a good question!

But consider the number of phone and email scams we are daily bombarded with!
Today nobody could blame you from blocking and otherwise spurious Calls , Emails etc WHO seem to be from Companies but actually are fraudalent!
I tried through BT to block a phone number turned out BT couldn't do it! You see that phone number was clearly a proxy Number!

Make a NOTE of each time and date of the Calls (because these might be of use at a later date as evidence of Harashment)

See they want to reconnect AND curiously they would welcome a letter any letter because it is reconnecting!


But your SILENCE is working isn't it! The clock is ticking and from you SILENCE!

Well done!

[Sparkles]

I am three years into ignoring these debts - Westcott have just started calling - a lot!, about my Halifax debts, of which there are three. I'm not bothered but it is starting to annoy my other half who works from home (we don't answer) - if I used this letter would I be admitting to the debt? I am sure they will get bored soon so don't want to potentially ruin my 3 year stinit of admitting nothing!

You can usually block the number, for example BT offer this:

https://www.bt.com/landline/calling-features/

They won't necessarily get bored as it's usually automated. I've been getting automated calls from PRA every two days for the last year, they divert to voicemail and i just delete them.

[wineaddict2020]

Tesco Bank

• Credit Card
• Opened March 2005
• Approx balance - £10,000
• Date last monthly payment paid in Full - May 2019 - DMP payments from Nov 2019 - June 2020
• Are you on arrangement or not paying - on DMP with Pay Plan up until now but just cancelled
• Status (default/in arrears/up-to-date) - Default Nov 2019
• Account owner (who is writing to you, a DCA or the lender or a debt purchaser) - Tesco Bank

17th June 2020 - sent CCA request
8th July 2020 - recieved letter saying recieved my request but unable to provide the infomration requested as i had not included a valid letter of authority. To allow them to continue with request, please prvide a valid letter of authority or call to confirm details. - I haven't responded - should I?
10.11.2020 - letter recieved from Tesco Bank - i was wondering wher they had been!! Due to my failure to agree or maintain payments (no mention of that fact that they have failed to respond to me CCA request!!) they are passing my account on to a debt collectin agency - guess who? Moorcroft! They give me their contact details - its ok, i already have them and fortunately i have already blocked their number too!

12.11.2020 - Letter from Moorcroft intoducing themselves

19.11.2020 - again numerous texts which I block! Received letter today asking me to contact them to discuss my account. No thanks. Noted and filed.

14.01.2021 - Moorcroft have definitely cottoned on to the fact i'm not going to speak to them now! Discount offer sent - filed.

25.02.21 - Letter saying they are passing my account to Wescot Credit Services. Filed.

19.08.23 - After being very quiet for some time today recieved a letter from Link Financial also enclosing a letter from Tesco saying the debt has been re-assigned to Link Financial as of 24.07.23. I’m taking this as a good thing and means Tesco have written me off so will just be Link seeing how much they can get out of me (nothing!), also hoping this will make it even harder to find that CCA!

06.12.23 - Letter recieved from Link Financial confirming nt was sold to LC Asset 2 S.a.r.l on 24/07/23 and that as no contact they intent to take legal action. If i do not contact within 14 days of this letter they will pass account to Messrs Kearns Solicitors for the legal process to commence.

05.01.24 - I have not responded to letter from Link saying will begin legal action. How concerned should I be about this going to Kearns solicitors for legal action?

Hi All,

Would appreciate some advice on Messrs Kearns Solicitors and how concerned I should be about Link passing account to them?

[SteveB]

Just looking back- why did they say there was no letter of authority? Is this not your debt?

Frankly I think it is likely that Kearns will try something but you might be able to stall them and blag it should they try anything.

[Still Waving]

Just looking back- why did they say there was no letter of authority? Is this not your debt?

Good question.