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joeblogs last won the day on October 26 2016

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  1. Oh, sorry I don't know what the bank's timelines are or anything about assignments of debt. So as it's not been sold and N/W told John he had a 30 day cooling off period, why on earth would a debt collector come out? I'm so confused myself, don't know how people manage with these financial institutions, thank goodness for this forum.
  2. Had a look at his Ring video recording and it was Excel, the envelope ask for John to call him re N/W. I've told him not to phone and that he did the right thing. Do you think N/W has already sold the debt on as it's still on 3-4 months from the last payment. That's the thanks for him banking with them for over 20 years.
  3. Happy new year Cagers, I want to update you on my elderly friend. Save reading this whole thread, he's on disability benefits and has multiple debt with Barclays and Nationwide. Mid December he went to see his psychiatrist who completed a Debt and mental health evidence form and the psychiatrist gave him a very powerful letter about his fragile state of mind to send to ALL his creditors even ones he is managing, which I think is only fair advice. Only problem is one of the creditors who he is just about managing holds his current account (the current account is in cr
  4. I agree with you DX100, but N/W don't want to play ball and send a copy of the agreement after 3 requests. How will this stand if it goes to Court?
  5. Okay DX thanks for answering that one. With regard to the credit card agreement we can't make them send a copy, so it appears he is stuck on that one. I can't advise him any further as how to obtain a copy of the agreement when he's asked for it 3 times.
  6. Hi everyone Yet another issue has arisen. I'm at my friend's now and he received a DEFAULT letter yesterday dated 28.11.19. from N/Wide Credit Card when he had only missed two payments - the third payment was due 01.12.19. I was under the impression that a Default Notice is only issued after 3-6 payments had been missed. I did Google this and the guidance is from the Information Commissioner's Office. Also to add insult to injury, this is the very debt he has written to N/Wide to request a copy of the agreement. Without seeing the agreement, we don't know if it's enf
  7. Thanks to both Dx100 and Andyorch for taking the time help, much appreciated.
  8. Hi DX100uk I asked so that I could try and explain it to my friend as I didn't understand the agreement. Hi Andyorch Thank you for explaining, I can now show him what you have written. ____________________________________________________________________________________________________________________________________ He is going on his appointment to the Mental Health Team on 17 December so he will ask if his doctor will complete the Debt and Mental Health form. He has sent yet a third request under Section 78 for a copy of his N/Wide c
  9. Hi, Andyorch, you say in your post number 47 that the Barclaycard debt is not enforceable. Can you explain in a couple of sentences why it isn't enforceable. Thanks
  10. Hi Brassnecked, yes it was stipulated in CCA Section 77 that the £1 must not be used against the debt - letter used from CAG library. N/Wide wrote back, kept the £1 and stated that the letter had to be signed (which it doesn't have to be signed) and asked for £1. A second letter was sent with my friend sqwiggling his signature and pointed out that they had already received the £1. To date,. he has not received a copy of his credit card agreement. As two requests have been sent for a copy of the agreement, I am at a loss as to what to advise him to do about gettin
  11. Thanks Andy N/Wide didn't send him the Credit Card agreement, instead putting the £1 for the CCA Section 77 against the debt, so he doesn't know if the credit card is enforceable. I could always advise him to ask N/W to send the agreement when we tell them the position and we will be back in touch in December. Thanks
  12. Hi everyone I could do with some advice now as to how to move this problem for my friend forward. Should he wait until mid December and ask his Mental Health psychiatrist to complete the Debt and Mental Health Form and send it to B/Card and N/Wide with an income and expenditure, or can anyone suggest anything in the meantime. I personally think he should wait until he's see his psychiatrist, but then they won't get any correspondence until the new year. Any suggestions gratefully received.
  13. Hi Andy Yes the N/W start date is correct, he's paid 2 years of a 3 year agreement, there is one year left owing. Thanks for the advice on B/Card. So going back to my post 42, should he wait until he's had his appointment with his mental health provider mid December and hopefully they will complete the 'Debt and Mental Health Evidence Form', then he can send copies of it to N/W and B/Card with an income and expenditure, the only thing with that is it won't be looked at until after Christmas? Or has anyone got any other suggestions? Thanks
  14. I have gone through the two CCA documents, scanned them, transferred them into PDF's my elderly friend is getting more and more upset due to the high pressure of harassment he is experiencing from the two creditors in the way of tree loads of letters and daily phone calls - the calls are blocked, but I looked at his phone and one day he had 22 phone calls. He does have mental health issues and is due to see his Mental Health provider next month. B/Card have sent him a form and asked him to ask his psychiatrist if he will complete it. I've had a look
  15. Thanks Andy. Do you just want me to upload his N/W Loan and Barclaycard agreements or do you want me to include the £1 debacle letter? None of his debt are statue barred as he has been paying right up until September 2019. I will upload when you tell me if you want to see. Thanks.
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