scottygees UE diary

[scottygees]

BARCLAYCARD

• Credi card
• Date commenced -unknown
• Approx balance-£957
• Date last paid-Jan 2016
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status-default 30/3/2016
• Account owner- Link Financial Outsourcing

no previous correspondence recd
13/7/17-CCA request made

[scottygees]

TESCO

• Credit Card
• Date commenced -not known
• Approx balance- £989
• Date last paid -Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2016
• Status -unknown.Account no longer on credit report
• Account owner -Robinson Way

no previous correspondence recd
13/7/17-CCA request made

[scottygees]

VANQUIS

• Credit Card
• Date commenced -not known
• Approx balance £1002
• Date last paid -Sept 2010
• Are you on arrangement or not paying-DMP but no payment since Feb 2016
• Status -Default 31/8/2015
• Account owner-DLC

9/6/17-letter recd confirming they have been instructed by vanquish to collect balance and require me to contact them
26/6/17-letter recd offering a 50% reduction on outstanding balance
13/7/17-CCA request made

[scottygees]

12/06/17 letter recd-confirming they can consider a discounted settlement figure-ignored
26/06/17 letter recd-outlining payment solutions incl.monthly payments to clear within 3.5 and 7 years and also reduced lump sum to clear account
13/07/17 CCA request made

14/07/17-letter received dated 10/7/17 confirming previous payment options but if i dont call them to discuss the account will be sent back to Capital One

[scottygees]

CAPITAL ONE

• Credit Card
• Date commenced (ideally before Apr 2007)-unknown
• Approx balance-£989.40
• Date last paid -September 2010
• Are you on arrangement or not paying-currently on a DMP but not paid anything at all since Feb 2017
• Status-previous default that has now dropped off credit report
• Account owner-Apex Credit Management

12/06/17 letter recd-confirming they can consider a discounted settlement figure-ignored
26/06/17 letter recd-outlining payment solutions incl.monthly payments to clear within 3.5 and 7 years and also reduced lump sum to clear account
13/07/17 CCA request made
14/07/17 letter recd from Apex dated 10/7/17 confirming previous solutions but as i haven't responded they will return the account back to Capital One

[Pat]

Hi Scotty

I just read you said you will restart your DMP with stepchange in the future, Is there a reason why you don't /can't run them yourself. having been in a paid for DMP myself for a while I understand how it takes the pressure off but to be honest after the first few months doing it yourself it gets easier. I am now under 1 year away from SB and have had sizeable portions of my debts written off or not been chased.

Some of my files have a small forest in them, some just two or three pages

Good luck

[scottygees]

Hi Scotty

I just read you said you will restart your DMP with stepchange in the future, Is there a reason why you don't /can't run them yourself. having been in a paid for DMP myself for a while I understand how it takes the pressure off but to be honest after the first few months doing it yourself it gets easier. I am now under 1 year away from SB and have had sizeable portions of my debts written off or not been chased.

Some of my files have a small forest in them, some just two or three pages

Good luck

Thanks for the response. To be honest i have not been very decisive in how to deal with these debts and have worried long and hard before finally taking the unenforceable route. I will see what comes back from these CCA requests and from there I may run my own DMP. I have one large debt for £12500 which is my main worry and haven't sent a CCA for this as i am pretty sure it will be enforceable and am worried that not making any payment to this could have a big impact on not just myself but my family as a whole.

[scottygees]

MBNA

• Credit Card
• Date commenced-unknown
• Approx balance-£785
• Date last paid-Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status-unknown as no longer showing on credit report
• Account owner- Idem Capital Securities

no previous correspondence recd
13/7/17-CCA request made
14/7/17-Income and Expenditure form recd from Idem out of the blue. Needless to say I shan't be completing it!

[scottygees]

YORKSHIRE BANK

• Credit Card
• Date commenced-not known
• Approx balance-£1583
• Date last paid -Sept 2010
• Are you on arrangement or not paying-DMP but no payment made since Feb 2017
• Status-unknown as no longer showing on credit report
• Account owner-Cabot

12/06/17-letter recd asking for contact to discuss solutions e.g monthly payment plan and reduced lump sum payment to clear
13/07/17-CCA request made
14/07/17 letter dated 1st July!!(really 2 weeks for me to receive it!) recd from Cabot wanting to work out an affordable repayment plan

[Pat]

Thanks for the response. To be honest i have not been very decisive in how to deal with these debts and have worried long and hard before finally taking the unenforceable route. I will see what comes back from these CCA requests and from there I may run my own DMP. I have one large debt for £12500 which is my main worry and haven't sent a CCA for this as i am pretty sure it will be enforceable and am worried that not making any payment to this could have a big impact on not just myself but my family as a whole.

Hi
I don't want you to give too much away but I have a debt for 15K that I sent a CCA request for - I also sent some letters that maybe would have been better off not sent with some rather colourful language but hey ho- that was then, this is now.

So far they have not issued a claim, in fact haven't been in contact for over a year and that was to offer me a very substantial discount

If the account is still with the OC maybe leave well alone, if not I can't see why you shouldn't send a CCA request- it is only a request for info - nothing more nothing less

I am not sure how to tag on here if it is possible but why not PM Di and ask her - she is an absolute star ( she'll hit me if I call her a brick - which is a compliment where i come from)

[Pat]

On your other posts - if they hassle you , once they have received your requests , you might want to just send a one liner- I refer you to my CCA request sent on xxxxxx , I am still waiting your reply. But that would be only if they really hassle you as it is never a good idea to poke them too much as it may only wake them up

I find cabot usually acknowledge your CCA request and then go quiet if they can not comply

[scottygees]

Hi
I don't want you to give too much away but I have a debt for 15K that I sent a CCA request for - I also sent some letters that maybe would have been better off not sent with some rather colourful language but hey ho- that was then, this is now.

So far they have not issued a claim, in fact haven't been in contact for over a year and that was to offer me a very substantial discount

If the account is still with the OC maybe leave well alone, if not I can't see why you shouldn't send a CCA request- it is only a request for info - nothing more nothing less

I am not sure how to tag on here if it is possible but why not PM Di and ask her - she is an absolute star ( she'll hit me if I call her a brick - which is a compliment where i come from)

Thanks Pat I will heed your advice. It was when reading somebody else's diary whereby they had ignored a large debt and then sent them a CCA request and it had the adverse affect and actually appeared to wake the Giant. So this is the rationale behind my decision

[Pat]

That's always a problem but you can never predict exactly how a debt purchaser or creditor will react. maybe it was someone who sent the CCA request to a named person such as the CEO - a suggestion I have seen but have learnt is a big mistake

No idea what your finances are like but when I started my journey I was not working in a rented flat, now i am student in a rented flat so there is nothing they can take off me. For my big debt i think I did write asking them to make me bankrupt if they thought they had a case - needless to say they didn't

[The Tech Clerk]

we await CCA request responses

[Joanna Connolly Solicitors]

I am not sure how to tag on here if it is possible but why not PM Di and ask her

Diana Mayhew should do the trick

Di