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  • #76
    Originally posted by Caesar View Post
    6. Aqua
    • Type of account (credit card)
    • Date commenced ( Apr 2016)
    • Approx balance £500
    • Date last paid (July 2016)
    • Not paying
    • Status (default)
    • Account owner (Cabot)
    Aqua sold my account to Cabot in 2017. They sent me a lot of letters and phone calls. Answered once and told them I am disputing the account with Aqua and no other contact with them. Last letter they sent me an I&E form in order to start a payment plan with them.

    02.09.2018 Sent CCA request to Cabot.
    15.02.2018 Received reply form Cabot. They don't have this information on file. They won't be able to provide the information requested in 12 days but they hope to do this in 40 days.

    What does it mean? On their last letter they said my account is referred to legal department and now they don't have the papers to prove the debt.

    Comment


    • #77
      Originally posted by Caesar View Post
      Received reply form Cabot. They don't have this information on file. They won't be able to provide the information requested in 12 days but they hope to do this in 40 days.

      What does it mean? On their last letter they said my account is referred to legal department and now they don't have the papers to prove the debt.
      It means that they donít have the credit agreement in their possession at this moment in time

      Unless or until they produce it the debt becomes unenforceable once the statutory deadline expires. They may source it or they may attempt to reconstitute it. See what happens next.

      Did that letter also say that the account would be put on hold?

      Di
      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

      Any posts I make on the All About Debt Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

      Comment


      • #78
        Originally posted by Diana Mayhew View Post


        Did that letter also say that the account would be put on hold?

        Di
        Thanks for help Di.

        They only said this: ,,I acknowledge the 12 day time limit to provide this information before the credit agreement becomes temporarily unenforceable.''

        Comment


        • #79
          Originally posted by Caesar View Post
          7. HSBC
          • Type of account (credit card)
          • Date commenced (2011)
          • Approx balance £1.000
          • Date last paid (2016)
          • Not paying
          • Status (default)
          • Account owner HSBC (Credit Security acting as DCA)
          When I defaulted the cc, I made an arrangement to pay with HSBC for £5 but didn't pay 1st month and they appointed Credit Security to act in their behalf. I mailed to Credit Security to prove the debt but no reply from them.

          23 January Credit Security called me 4 times but I didn't answer
          09 February received credit agreements, Niddy said all enforceable.
          Letter from Credit Security: Final Notice.
          They urge me to contact them, even I can't pay anything for the moment, because they want to help. It's my last opportunity to benefit from their services.
          If I don't contact them in 10 days, my account will be returned to their client for further recovery action.

          Ignore them, right?

          Comment


          • #80
            I would ignore see what happens next?
            I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • #81
              Originally posted by Caesar View Post
              3. Sunny
              • Type of account ( personal loan)
              • Date commenced (2016)
              • Approx balance £2.500
              • Date last paid (not sure)
              • Arrangement with them - £15/month
              • Status (default)
              • Account owner (Sunny)
              Made a complaint to FOS but not happy with their outcome.
              Actually, it's not only one account. There are 3 accounts: £1.400, £800, £400 and I was paying £5 each per month until January. Financial ombudsman rejected my complaint for first 3 loans which were the biggest ones but upholded the last 2 the lowest one. I didn't sent my approve for that.

              I was hoping that FOS will reduce my balance from £2.500 to £1.100, because I've already payed to them £1.400, but didn't happen.

              Because I stopped payments, now Sunny calls me every day, but I didn't answer yet. What should I do in this case? Could anyone give an idea?

              Comment


              • #82
                I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

                If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                Comment


                • #83
                  Thanks The Tech Clerk.

                  And regarding the accounts? Should I continue with payment plan? Or send CCA request?

                  Comment


                  • #84
                    you already sent a CCA request did you not if not I would send one! then see what they send back, some people will say after 14 days of receipt stop payment, but be careful as it might backfire later? sure Di or others will advise also.
                    I'm an Official AAD Forum Moderator and a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of allaboutDEBT Ltd. Any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - find a solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it to abuse@all-about-debt.co.uk or send a message to any of the Forum Site Team. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment


                    • #85
                      Originally posted by Caesar View Post
                      5. HSBC overdraft
                      • Type of account (overdraft)
                      • Date commenced (2011)
                      • Approx balance £5.000
                      • Date last paid ( FULL payment - June 2017)
                      • Not paying
                      • Status (default)
                      • Account owner (HSBC)
                      HSBC sent me a letter that they will pass my overdraft account to a debt collector, but after a few days, new letter arrived from them offering me a 30% discount if I want a full and final payment. I am not in position to pay this, but should offer to pay for example 20% from debit? I don't have either this amount, but if they accept, I might try to borrow that money. Is this a good idea or just ignore it?

                      Comment


                      • #86
                        Hi Caesar

                        Any new updates ?

                        Comment

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