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  • AllTheHelp's UE Diary...

    Hi everyone :-)

    I've only recently discovered this site and there is some excellent information on here that's really given me the confidence to try to tackle head on my debts. I have been on a DMP with SC for approximately 8 years and still, at the rate I'm currently paying, have another 15+ years to go. My debt when I first started my DMP was in excess of £115k and now stands at around £80k. I am however not finding my monthly payments easy and, if I'm honest, have of late started to feel quite bitter towards my creditors as I don't believe someone on the salary I was earning (approx £20k per annum) should have been (very willingly) given over £120k worth of credit. I am now feeling that my creditors should assume some responsibility for this - although I obviously take responsibility for using the money and getting myself way in over my head. Unfortunately a divorce and trying to keep a roof over my young daughters head caused me to build the debt up through living and then "robbing Peter to pay Paul".

    I believe that the majority of my debts are pre-2007 and I am therefore very keen to ascertain their enforceability which will hopefully enable me to offer some low F&F's to try and get debt free quicker. I am also aware that those that are unenforceable could potentially be ignored but that worries me.... Also I have just made my last payment via SC and will be notifying them that I am self-managing going forward.

    I will try and remember as many of the details as possible but some may not be 100% accurate as it is now quite a while ago. Updated: I've added as much info as I can at the moment and will update any more as I find it.

    Lloyds TSB

    Credit Card
    Commenced approx 2002
    Approx balance £9000
    Date last paid in full approx May 2009
    Arrangement approx £50 per month - Last payment June 2017
    Status Default
    Owner PRA

    June 2017 - Sent CCA request
    June 2017 - Received response that they have requested the information and my account is currently on hold & £1 fee returned as goodwill gesture
    July 2017 - Stopped payments until I hear further
    Aug - Received a letter confirming PRA consider the debt currently UE and that they may still ask me to pay...
    May 2018 - No further correspondence since August 2017
    Last edited by AllTheHelp; 17 May 2018, 12:09.

  • #2
    HSBC Gold Card

    Credit Card
    Commenced approx 1998
    Approx balance £7000
    Date last paid in full approx May 2009
    Arrangement approx £40 per month - currently paying
    Status Default
    Owner Cabot

    June 2017 - Sent CCA request
    No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
    July 18th - Still no response - assume now counts as UE although I didn't get proof of receipt. Should I resend recorded delivery? It is only Cabot that have not responded to my CCA's now.
    Last edited by AllTheHelp; 18 July 2017, 14:09. Reason: Update

    Comment


    • #3
      Barclaycard

      Credit Card
      Commenced approx 1993
      Approx balance £5000
      Date last paid in full approx May 2009
      Arrangement approx £28 per month - currently paying
      Status - Not Defaulted & still reporting to Credit File
      Owner Cabot

      June 2017 - Sent CCA request
      No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
      July 18th - Still no response - assume now counts as UE although I didn't get proof of receipt. Should I resend recorded delivery? It is only Cabot that have not responded to my CCA's now.
      July - Written to Barclaycard to request a backdated default.
      December - settled for 20%
      Last edited by AllTheHelp; 17 May 2018, 12:07.

      Comment


      • #4
        Barclaycard

        Credit Card
        Commenced approx 1994
        Approx balance £4500
        Date last paid in full approx May 2009
        Arrangement approx £20 per month - currently paying
        Status - Not Defaulted & still reporting to Credit File
        Owner Cabot

        June 2017 - Sent CCA request
        No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
        July 18th - Still no response - assume now counts as UE although I didn't get proof of receipt. Should I resend recorded delivery? It is only Cabot that have not responded to my CCA's now.
        July - Written to Barclaycard to request a backdated default.
        January - settled for 25%
        Last edited by AllTheHelp; 17 May 2018, 12:07.

        Comment


        • #5
          Capital One

          Credit Card
          Commenced approx ?? (Fairly sure it was pre-2007)
          Approx balance £6000
          Date last paid in full approx May 2009
          Arrangement approx £35 per month - currently paying
          Status - Defaulted
          Owner Capital One
          Last edited by AllTheHelp; 6 July 2017, 19:02.

          Comment


          • #6
            Marbles

            Credit Card
            Commenced approx 2001
            Approx balance £7000
            Date last paid in full approx May 2009
            Arrangement approx £35 per month - currently paying
            Status - Not Defaulted & still reporting to Credit File
            Owner Capquest

            June 2017 - Sent CCA request
            No response as yet to CCA (almost over the 12+2 days) although I made a basic error and did not get proof of posting. Should I resend with proof of postage? (Most of the others have responded)
            July - Response received that the request has been passed on to the original creditor.
            Last edited by AllTheHelp; 12 July 2017, 12:21. Reason: Update

            Comment


            • #7
              HSBC Online Card

              Credit Card
              Commenced approx ?? (Fairly sure pre-2007)
              Approx balance £6500
              Date last paid in full approx May 2009
              Arrangement approx £35 per month - currently paying
              Status - Defaulted
              Owner HFC
              Last edited by AllTheHelp; 6 July 2017, 19:02.

              Comment


              • #8
                Halifax

                Credit Card
                Commenced approx ?? (Fairly sure pre-2007)
                Approx balance £7500
                Date last paid in full approx May 2009
                Arrangement approx £40 per month - last Payment June 2017
                Status - Defaulted
                Owner Idem Capital

                June 2017 - Sent CCA request
                June 2017 - Responded to say they would endeavour to respond within the 12 day period.
                July 2017 - Responded to say currently unable to supply a copy of the CA and acknowledge that until they do the account is unenforceable. State I'm free to take whatever action I deem appropriate but they will not release me from my obligations under the agreement.
                July 2017 - Stopped payments until I hear further
                Aug - CA received - have forwarded to Niddy to look at for me
                Last edited by AllTheHelp; 26 August 2017, 19:58. Reason: Update

                Comment


                • #9
                  M&S Card

                  Credit Card
                  Commenced approx ?? (Fairly sure pre-2007)
                  Approx balance £4000
                  Date last paid in full approx May 2009
                  Arrangement approx £20 per month - currently paying
                  Status - Defaulted
                  Owner Robinsons Way

                  June 2017 - Sent CCA request
                  June 2017 - Responded to say they would endeavour to respond within the 12 day period.
                  July 2017 - Response enclosing a list of all transactions on the account as well as I believe a copy of the original application form. However they do not reference my CCA request or whether they feel they have or haven't me the requirements.
                  July 2017 - Niddy says.... (Yay!)

                  July - Wrote to advise them that what they sent does not meet CCA requirements and that I consider the account UE until they forward the correct documents.
                  July - Wrote advising I need to reduce payments as cannot afford the current payments.
                  May 2018 - debt transferred to Robinsons Way
                  Last edited by AllTheHelp; 17 May 2018, 12:49.

                  Comment


                  • #10
                    M&S Personal Reserve

                    Not sure what this counted as?
                    Commenced approx ?? (Fairly sure pre-2007)
                    Approx balance £3000
                    Date last paid in full approx May 2009
                    Arrangement approx £15 per month - currently paying
                    Status - Defaulted
                    Owner Robinsons Way

                    June 2017 - Sent CCA request
                    June 2017 - Responded to say they would endeavour to respond within the 12 day period. I am fairly confident due to one of the sticky posts on here that this debt will be UE.
                    July 2017 - Replied stating they had received the agreement and that they have fully complied with their obligations. Will upload this to ensure it is accurate as believe from the sticky on here that it may not be.
                    July 2017 - Niddy says.... (Yay!)

                    July - Wrote to advise them that what they sent does not meet CCA requirements and that I consider the account UE until they forward the correct documents.
                    July - Wrote advising I need to reduce payments as cannot afford the current payments.
                    May 2018 - debt transferred to Robinsons Way
                    Last edited by AllTheHelp; 17 May 2018, 12:49.

                    Comment


                    • #11
                      Egg Card

                      Credit Card
                      Commenced approx ?? (Fairly sure pre-2007)
                      Approx balance £4000
                      Date last paid in full approx May 2009
                      Arrangement approx £20 per month - currently paying
                      Status - Defaulted
                      Owner Link Financial

                      June 2017 - Sent CCA request
                      June 2017 - Responded to say they would comply within 30 days.
                      Last edited by AllTheHelp; 6 July 2017, 19:01.

                      Comment


                      • #12
                        Barclaycard

                        Credit Card
                        Commenced approx 2001
                        Approx balance £7000
                        Date last paid in full approx May 2009
                        Arrangement approx £35 per month - currently paying
                        Status - Not Defaulted and showing on credit file
                        Owner PRA Group

                        June 2017 - Sent CCA request
                        June 2017 - Received response that they have requested the information and my account is currently on hold & £1 fee returned as goodwill gesture
                        July - Written to Barclaycard to request a backdated default.
                        Last edited by AllTheHelp; 18 July 2017, 14:13.

                        Comment


                        • #13
                          Tesco Card

                          Credit Card
                          Commenced approx ?? (Fairly sure pre-2007)
                          Approx balance £4000
                          Date last paid in full approx May 2009
                          Arrangement approx £20 per month - last payment June 2017
                          Status - Defaulted
                          Owner Robinsons Way

                          June 2017 - Sent CCA request
                          June 2017 - Received response - noted enquiry and will be in touch when they have more information for me.
                          July 2017 - Called to request bank account details for S/O. Was advised account on indefinite hold so I said I'll wait to hear from them and not to worry about account details

                          July 2017 - Stopped payments until I hear further
                          Last edited by AllTheHelp; 12 July 2017, 15:29.

                          Comment


                          • #14

                            Natwest Credit Card

                            Credit Card
                            Commenced approx ?? (Fairly sure pre-2007)
                            Approx balance £1800
                            Date last paid in full approx May 2009
                            Arrangement approx £9 per month - currently paying
                            Status - Defaulted
                            Owner Natwest - managed by Wescot

                            June 2017 - Sent CCA request
                            June 2017 - Received response - told me to write directly to Natwest as they would not deal with my enquiry.
                            July 2017 - Sent new CCA request to RBS/Natwest as advised by Wescot
                            July - Write advising of revised, reduced, monthly payment
                            Aug - CA received - have forwarded to Niddy to look at for me
                            Last edited by AllTheHelp; 26 August 2017, 20:02. Reason: Update

                            Comment


                            • #15
                              Natwest Overdraft

                              Overdraft
                              Commenced approx ?? (Fairly sure pre-2007)
                              Approx balance £900
                              Date last paid in full approx May 2009
                              Arrangement approx £11 per month - currently paying
                              Status - Defaulted
                              Owner Natwest - managed by Wescot

                              June 2017 - Sent CCA request . (Yes, sent this by mistake before I realised it was an OD!)
                              June 2017 - Received response - told me to write directly to Natwest as they would not deal with my enquiry.
                              July - Write advising of revised, reduced, monthly payment
                              Last edited by AllTheHelp; 18 July 2017, 14:15. Reason: Update

                              Comment

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