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Melbel

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  1. Right then - so do i need to contact them back now to advise they have insufficient information and I won't be engaging any further unless it is from the court? or just now ignore? As soon as i get home from work i am looking through the threads you mentioned regarding merged debt claims - I did not even know this was a thing! so that's going to be helpful. Thanks again for all of the advice - you've given me plenty of clarity. When i have any more updates, i'll update you.
  2. Hello I haven't found those two agreements. Now i am wondering if I ever had them as everything else is there in my folder so it is weird. However, I did make a note in March 23 that they sent ONE agreement and from what i logged - it was reconstituted. (It must have been for the two amounts combined) as I have said at the beginning they are chasing the two debts as one. I did find two copy DN letters in the file. I can post up here if needed? When I sent the paploc then I CCA'd both agreements separately. They returned both postal orders saying they do not take payment for CCA requests and that they were getting the information requested together. They then wrote back saying they would not be sending the agreements as they sent both in the March. I am thinking to just write back and say that there is missing information/incomplete information request and I won't be arguing with them any more so they can crack on if they want to try to issue a CCJ (In the hope they don't) ** as a side note; If they were to issue a CCJ and send him paperwork. Can you pay the full amount before it is registered on your name? (i have read about paying within one month and stopping it being registered although i cannot find any conclusive answer). Many thanks Mel
  3. Hi. They did send agreements early last year (according to what I posted in November at the beginning of this thread) but I cannot find them anywhere. then they refused to re-send them when wrote to them again. From what I write at the start one was signed. it looks like they only sent one. I need to find them out. Theres never been a copy DN sent out.
  4. I am back with an update... I did everything as instructed on paploc reply for both accounts (as separate). I ticked box D 'dispute debt' and listed missing documentation; copy of DN, statement of account/interest etc, calculation of interest claimed & all payments made, copy of notice of assignment. I also sent the separate CCA req again as instructed. They responded before xmas and told me that they were getting the information together and that they would not send the agreements again as they had already done so. I cannot find these agreements anywhere so I could have really done with them re-sending so I am annoyed with myself there. I then received a letter dated 12 Jan which I will upload now. The only info they have sent with it is around 20 x pages of Credit Card transactions that you would get on your monthly statement - just the transaction list and where you spent the money & how much. That sort of information. Not sure now if they have supplied enough to be able to CCJ on. Or If they will bother. We are missing the Default notices definitely and everything else has come through in dribs & drabs and appears re-constituted. I do feel like writing back explaining my husbands situation that his income is now approx £357 per month so there is no money for them anyway! but obviously i will get better advice here. Overdales jan 23.pdf
  5. Wow thanks so much for coming back so quick and with such detailed advice. I will follow yours and the advice in the thread you have linked. there’s definitely information missing from the list and them putting the two accounts together has made me realise just how much. I will respond back to them as two separate accounts and request the specific information on both. I will keep the thread updated moving forward. Thanks again, I should have come here first instead of sending stupid letters to them
  6. It was in my photo roll but I think I’ve managed to convert to PDF 2023-10-27 overdales letter of claim.pdf
  7. Hi Thanks for replying. The red font letter they have sent has ' Letter of Claim - 30 days to prevent legal action' in the title. Is that the letter of claim you meant?
  8. Hi. I was hoping for some advice. I've been a member of this forum for a long time so have picked up a lot of knowledge but there's a few things that have cropped up that I could do with some help on. My Husband - he has two credit cards.That were taken out under Capital one in 2016 (one was Ocean). Which he defaulted on in 2018. We were going through a time of losing our house and our finances were terrible. We were homeless for a while. Anyway - the two accounts are as follows; 1) Balance £340 Default Date - March 2018 Last payment 5 Oct 2017 (statute barred?) 2) Balance £220 Default date August 2018 Last payment date March 2018 We have been chased by Lowell then Overdales. We wrote back to Overdales earlier this year not acknowledging the debt but requesting a copy of CCA and a SAR as we do not recognise them or the debt. They went way over the response time but eventually we received paperwork. one is a copy of the CCA that he signed. But there was no notice of assignment, copy of default etc etc. The SARs did not show much - just loads of screenshots of missed calls made to his phone and statements of account. They also sent copy letters of notice of assignments which looked brand new. They have lumped together the two amounts into one to chase so they are trying to collect £560. Can they do that on two separate accounts? Also - one is statute barred. Then my husband was diagnosed with a serious heart condition in Sept which our lives have been taken over by and has got to give up work so now he is reliant on benefits after always working. He has very little income now. We ignored what they sent. They have written recently giving us 30 days or they MAY apply for CCJ. Red writing. Should i write back with a statute barred for the one account - if so, how safe is it to not get a CCJ on that ? Also what about the other that is not quite SB - should we offer £5 per month to stop a CCJ? Not sure if to just ignore and think they may not go that far for such small amounts. Can anyone advise the best course of action now please. Thanks as always Mel
  9. Thank you DX - I really appreciate your help. Should I write to them again with the offer and no I&E?
  10. Here they are. Hope they’ve worked. I’m on my phone. Halifax reply.pdf
  11. I can show you what halifax sent to me if it helps as I have it right here
  12. Hi DX The letter is on my pc at work (I meant to get a copy off) but yeh I did ask that they freeze interest/penalties and made the offer. Explained that we will never dig our way out of it if not and said it was a reasonable offer. I also mentioned that our problems came when they changed the terms of their OD and that it left us with no money to live on sometimes and that we couldn’t budget because it was so erratic. Parachute account is up and running
  13. Sorry for the late response folks. I have an update. I wrote to halifax and explained our situation of not being able to afford the £188 loan repayment a month along with them constantly taking daily fees and swallowing up our money (never knowing where we are) The letter was posted mid May. (Signed for) Early June they wrote to us not acknowledging our previous letter. I found this odd so I checked with Royal Mail and our letter never reached them (good job I sent it recorded) So I sent a copy of the letter from May again (with a copy of the Royal Mail receipt as proof we had been in touch) They eventually wrote back last week and acknowledge our financial difficult and enclosed an income expeonditure form, I know it may sound daft but do we have to fill this out seeing as we’ve made a repayment offer of £200 per month. The offer was to cover the loan repayment and some of the Overdraft. I’m not sure where I stand with this, is it better to give them all of our income/outgoing details or could it open a can of worms? Wouldn’t the offer be enough?
  14. Thanks you for the links Bazooka Boo. I’m getting the letter done right now
  15. We normally are ok for Xmas time off because we know it’s coming and put money aside but that ankle injury he had really put us back so payments to the loan were either missed or paid late and then the daily OD charges started around then and before we knew it, it had become a mess. Really scary how it catches up with you.
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