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  • #16
    Re: Start of my unenforceabilty journey

    Owned by Link originally MBNA
    Credit card
    Started 2006
    £7900 outstanding
    Last full payments were in 2010/11
    Being paid on a DMP
    Defaulted and may not be on our credit file (will have to check).

    CCA returned and checked by Niddy - UE
    Owned by Link
    Last edited by unicorndeva; 17 May 2017, 19:17.

    Comment


    • #17
      Re: Start of my unenforceabilty journey

      Owned by PRA Group original creditor, Egg
      Credit card
      Unsure of start date
      £6100
      Last full payments were in 2010/11
      Being paid on a DMP
      Defaulted and may not be on our credit file (will have to check).

      CCA request Feb 2017

      Letter from PRA group saying they're still awaiting requested info and the account is on hold until they receive it.
      10/06/17 Letter from PRA group enclosing a credit agreement from Barclaycard/Egg which is actually just the T's and C's (no copy agreement attached) and it is also for the incorrect person - same name as my OH but a completely different address in a town that neither of us have ever visited let alone lived in. PRA group have deemed it unenforceable until further info is received... do I just file away?
      Last edited by unicorndeva; 10 June 2017, 15:19.

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      • #18
        Re: Start of my unenforceabilty journey

        Owned by PRA Group, original creditor, Egg
        Credit card
        Unsure of start date
        £5900

        Last full payments were in 2010/11
        Being paid on a DMP
        Defaulted and may not be on our credit file (will have to check).

        CCA request sent Feb 2017

        31/05/17 Letter from PRA Group saying they are still awaiting the requested documentation and the account is on hold until they receive it.
        Last edited by unicorndeva; 1 June 2017, 16:49.

        Comment


        • #19
          Re: Start of my unenforceabilty journey

          Owned by PRA Group, original creditor, Egg
          Credit cards
          Unsure of start date
          ££5700
          Last full payments were in 2010/11
          Being paid on a DMP
          Both defaulted and may not be on our credit file (will have to check).

          CCA request sent Feb 2017

          31/05/17 Letter from PRA Group saying they are still awaiting the requested documentation and the account is on hold until they receive it.
          Last edited by unicorndeva; 1 June 2017, 16:52.

          Comment


          • #20
            Re: Start of my unenforceabilty journey

            Owned by Link, original creditor MBNA
            Credit card
            1994
            £2450
            Last full payments were in 2010/11
            Being paid on a DMP
            Defaulted and may not be on our credit file (will have to check).

            15/05/2017 CCA returned and checked by Niddy as UE
            Last edited by unicorndeva; 17 May 2017, 19:22.

            Comment


            • #21
              Re: Start of my unenforceabilty journey

              Owned by RBS Mint, managed by Wescot
              Credit card
              Unsure of start date
              £2200
              Last full payments were in 2010/11
              Being paid on a DMP
              Defaulted and may not be on our credit file (will have to check).

              CCA requested in Feb Wescot wrote back asking us to write to original creditor. New CCA request sent 15/5/2017

              07/06/17 Agreement received. Sent to Niddy for checking.

              12/06/17 Sadly, Niddy says it's enforceable
              Last edited by unicorndeva; 12 June 2017, 13:47.

              Comment


              • #22
                Re: Start of my unenforceabilty journey

                PRA Group, originally Barclaycard
                Credit card
                Unsure of start date
                £1866.78
                Last full payments were in 2010/11
                Being paid on a DMP
                Both defaulted and may not be on our credit file (will have to check).

                CCA request sent Feb 2017

                01/05/17 Letter from PRA Group saying they are still awaiting the requested documentation and the account is on hold until they receive it.
                03/06/17 Letter from PRA Group enclosing a letter from Barclaycard saying there's a reconstituted copy of the credit agreement including terms attached (but it only looks like the terms are attached and those terms give one address for me on one part and another address for me on another part). PRA Group have said they currently deem the account as unenforceable and then give the usual blurb about how they still have the right to chase it etc.


                Last edited by unicorndeva; 3 June 2017, 11:42.

                Comment


                • #23
                  Re: Start of my unenforceabilty journey

                  Owned by NCO-Arrow/Capquest, originally Empire stores
                  Catalogue
                  Started in 1998
                  £1900
                  Last full payments were in 2010/11
                  Being paid on a DMP
                  Shown by Arrow as being satisfactory???

                  CCA request Feb 201
                  23/5/17 Letter from Arrow saying they're still awaiting the requested info.
                  Last edited by unicorndeva; 1 June 2017, 16:32.

                  Comment


                  • #24
                    Re: Start of my unenforceabilty journey

                    Owned by Cabot, originally Sainsbury's bank
                    Credit card
                    Unsure of start date
                    £1180
                    Last full payments were in 2010/11
                    Being paid on a DMP
                    Defaulted

                    CCA requested Feb 17
                    Letter from Cabot saying they have not been able to provide the requested information within the relevant time period and that the credit agreement is currently unenforceable...yay! I'll just file this away!
                    Last edited by unicorndeva; 1 June 2017, 16:28.

                    Comment


                    • #25
                      Re: Start of my unenforceabilty journey

                      Owned by Link, originally Barclaycard
                      Credit card
                      Unsure of start date
                      £1000
                      Last full payments were in 2010/11
                      Being paid on a DMP
                      Defaulted and may not be on our credit file (will have to check).

                      CCA requested Feb 2017

                      15/06/17 Letter from Link returning a CCA from Barclaycard which is actually just the T's and C's (no agreement), but it has two different addresses on. Sent to Niddy for checking.
                      Last edited by unicorndeva; 29 June 2017, 14:48.

                      Comment


                      • #26
                        Re: Start of my unenforceabilty journey

                        Owned by Barclays
                        Overdraft
                        Unsure of start date
                        £670
                        Last full payments were in 2010/11
                        Being paid on a DMP
                        Both defaulted and may not be on our credit file (will have to check).
                        Last edited by unicorndeva; 17 May 2017, 19:12.

                        Comment


                        • #27
                          Re: Start of my unenforceabilty journey

                          Owned by Barclays
                          Overdraft
                          Unsure of start date
                          £320
                          Last full payments were in 2010/11
                          Being paid on a DMP
                          Defaulted and may not be on our credit file (will have to check).
                          Last edited by unicorndeva; 17 May 2017, 19:12.

                          Comment


                          • #28
                            Re: Start of my unenforceabilty journey

                            Hope I've done this correctly?

                            Comment


                            • #29
                              Re: Start of my unenforceabilty journey

                              14 different debts/// or am I seeing double? case of failure to check out applicants file and debts listed by some of these creditors?
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, 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 by Clicking Here. 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.

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                              • #30
                                Re: Start of my unenforceabilty journey

                                14 debts isn't unusual.

                                Thank you for setting out your debts individually unicorndeva. It might be an idea to go back and edit your posts to put the original creditor at the top of each post (as in my diary) as it will make them easier to refer to.
                                Let your smile change the world but don't let the world change your smile


                                I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, 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 by Clicking Here. 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

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