Sorry for late reply dx been away and appreciate your replies.

Yes he has paid the original borrowed amount off but obviously interest on top in which is owed and offer to write off.

I know it is only a small amount owing but I didn't know whether to attempt to pursue with reclaim of previous paid amount plus interest.

Or just to accept their offer and have removed from Credit File.

A belated thanks dx.

Yes I may take your advice regarding StepChange.

I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me.

If I was to take on myself is there another way of dealing with various debts?

I have already submitted other IRL complaints on his behalf.

Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.

Hi dx

It's with Step Change.

Yes that is the balance outstanding plus interest.

Ok cheers again.

So accept their offer with removal from Credit File?

I was a bit unsure whether to hold out and submit to FOS for a better recompense. 

Ok many thanks and thought as much.

I will keep Forum updated of any developments.

Hi,

My Son took out various payday loans in which I suggested that he submitted various Irresponsible Lending Complaints due to the state of his finances at the time in which he is now on a Debt Management Plan.

He has received an offer on one from Quidie offering reduction of balance to Nil from £29.38 plus refund of interest of £8.36.

They also said that his Credit File would also be updated accordingly.

I know it is now a small amount but in principle should he accept or escalate to the Financial Ombudsman?

Details of original loan :

Opened: November 2022

Period: 4 x Months

Credit: £200.00  

Interest: £100.87

Total Payable: £300.87

APR: 1,272.20% 

Thank-you for looking.

Cheers Andy

SB letter in post then 

Just checked previous details received a few years ago from Resolvecall in which I did not get any further response.

Last payment made on account was July 2015.

OK dx many thanks again and will do.

I will keep forum posted on the response.

Sorry dx no that was for my OH.

I might have posted something for me a while ago for Halifax Card regarding no production of original CCA.

Shall I still forward a Statute Barred letter to Intrum?

Hi,

I today received a letter from intrum advising that my debt will now be managed by a company called Resolvecall, and that they also specialise in home visits to discuss a repayment plan going forward?

I did send DCA a CCA request in 2020 and heard  nothing since.

I am certain that the debt is now Statute Barred.

Do I send the usual letter to intrum?

I know dx and thanks again for yours and others help.

I was 99.999% certain last payment was over six years ago if not longer. 

Hi just an update.

I today received a reply from Lowell's to the Statute Barred letter sent.

"We have reviewed your account and decided to take no further action to recover the balance. We have now closed the account".

Thank-you again for your help. 

Many thanks again as always DX.

I will proceed with Statute Barred letter to DCA first and take from there.

Cheers dx.

Did you say Statute Barred letter in Library?

I have not changed my address for nearly 24 years.

My concern is Barclaycard may have refunded some small charges (not at my request) within 6 years ago but not recently.

My debt balance slightly less than I thought.

No previous PPI on the account.

Sorry but trying to rake my brain at the moment before the best course of action.

Ok many thanks again both of you and will keep you posted.

May opt for the prove it  / CCA letter first to the DCA as unsure exactly when last payment made.

thanks Andy.

send Prove the debt letter / CCA request to Lowells from this site?

Or GDPR?

Or do nothing?

I received a letter from Lowell in April 2023 telling me that they acquired Hoist Finance and included information of a notice of assignment for my Credit Card debt.

They have been continuously sending letters regarding arranging a repayment plan in which I have ignored.

In April 2020 previously received a letter from Robinson Way in which I responded with I have no knowledge of debt letter etc and received no reply.

 My problem is I cannot remember when the account defaulted but vaguely remember it was around 2016 so possibly statute barred.

There is nothing showing on my Credit File for this debt in which is strange.

My question is if I reply with a No Knowledge of Debt letter or CCA request to the DCA, does this start the 6 year period ticking again?

Any advice would be appreciated.  

Thanks dx

Will give it another go tomorrow

Also what spreadsheet is it regarding charges on a credit card?

Trying to find link 

Well I tried dx but does not seem to beAdobe Scan 30 May 2022 (7).pdfworking.

I will give another try later with any other details part of the GDPR and leave these here for now. .

In the meantime please see attached Notice of Default details in which I do not remember receiving and rather a bad copy they have sent.

Also the 1st and last pages of credit card agreement attached where my name was printed on 21/11/13. 

I cannot find anything further relating to what APR% was applied as looking at the agreement details there are various?

Many thanks again and will have to brush up on my IT skills.Adobe Scan 30 May 2022 (6).pdf

Adobe Scan 30 May 2022 (4).pdf Adobe Scan 30 May 2022 (8).pdf

OK dx apologies and will do.

And here are copies of the digital agreement from Vanquis.

Apologies for the quality, I am trying thanks.Adobe Scan 30 May 2022 (1) (1).pdfAdobe Scan 30 May 2022 (2) (1).pdf

Cheers again dx.

I will attempt to upload some of the info from Vanquis re my SAR in a minute.

Still no reply regarding my original request for monthly statements.

Sorry for delay but had family things all weekend.

Anyway will try and upload details again via Scanner if can fix it but managed to do something via my mobile.

In the meantime I today (30th May, 2022) received the attached from Lowell (dated 20th May 2022) in response to my CCA Request to the DCA on 17th May, 2022.

Is it 12 days plus 1 for them to respond accordingly?

Adobe Scan 30 May 2022.pdf

Many thanks again and will get back tomorrow.