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comebackjimmy

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comebackjimmy last won the day on June 17 2019

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  1. OK Uncle, thanks for the advice, that is my next move I guess. Will update the thread with the outcome.
  2. @Bazooka Boo I defaulted because my business ran into lean times. I was in contact with them and made some minimum payments, mainly to try and maintain my credit record but stopped when I found out that they had trashed it anyway. Something had to give so I stopped paying them at that point.
  3. @Bazooka Boo thanks for joining. After getting the LBA I received a document print out from Overdales consisting of the agreement and default notice as shown in my upload plus around 30 printouts of the monthly statements beginning with when the card was taken out to when it defaulted. I have not scanned them as I did not think they contained anything useful but can if the group thinks it worthwhile, but probably about 200 pages and a lot of redacting to do. Apart from the above there was nothing else sent. @unclebulgaria67, thanks for input. Yes, I received goodbye and hello letters. Overdales have not provided them in the bundle nor any other proof of the sale. The credit agreement is made out in my name and the box is ticked. How do they, or a judge, know it was me that ticked it?
  4. Guess the money is owed. Is this defensible if I get a claim form? Why would I not get a claim form now we have got this far? What scope is there to defend it?
  5. Uploaded the full credit agreement though I only needed to redact the first page. Also the default notice which is two pages, only had to redact the first page. I have not uploaded any of the card statements due to the shear volume but I would say they are a full history of the transactions from start to finish. 118 claims they do not apply any default charges but I will have a look through to see if I can spot anything. 240206 118 Agreement and Default edited for CAG.pdf
  6. Hello all, Had a 118 credit card. Stopped paying around November 2021 and received a default notice dated 10th December 2021 so have gone into default as of around 24th December 2021 with a value of £752. Account purchased by Lowell and subsequent communications ignored until a LBA weas received from Overdales. I used the Ministry of Justice reply form not the Overdales supplied one and sent a request using wording as advised by CAG. I have finally received a reply back dated 30th January 2024 from Overdales providing a statement which comprises the numerous monthly bills relating to the account, a default Notice and a Credit Agreement. The Credit agreeement is made out in my name and shows a tick box with a tick in it, no signature from me which I never provided in the first place. There is no IP address provided. There are no hello and goodbye letters provided (though I have them from when they were originally sent) so as of now they have not provided evidence they have bought the debt. The balance of the Overdales letter asks me to provide further evidence if I wish to "support my dispute" and goes on to say they "May" go on to Issue a CC claim. At this point I guess I have two options, ignore or reply. Would be grateful for advice on the next steps if any. Many thanks.
  7. Plenty of other adverse reports so this one is not making any material difference, it was just the way it was being shown. The tick and cross system gives the impression that a payment is being missed every month. I note the comment about not being offered a payment plan again and the phrase blood out of a stone springs to mind.. Thanks for the replies.
  8. No not paid it. They will have to wait until I have paid rent, council tax, food, electricity, fuel, car tax. They are not high up on the priority list just now.
  9. They called me about a week ago and I said I had no money and couldnt pay them. They said they would get back to me 19th February but would still report it to the CRA's. My question is really about the presentation of this data. I have missed one payment but no others are due. They are making it look as though I am missing a payment every month!
  10. Hello all Minor thing here but wondering what CAG members think... I paid my water bill throughout 2023 from April to October seven out of eight payments with one remaining for November which I have not so far paid. ST water duly recorded the non payment with Transunion/KreditKama as follows: October: a tick mark November: -- indicating no data December x indicating a missed payment. OK not happy but fair enough. But January I have got a x again but no more payments are due. At first glance this would seem unfair as I have only failed to pay once, the last payment for the year due in November and nothing more is due till April apart from my current arrears of £34. Can that be right that they can continue to record the one missed payment month after month? Not troubling me greatly but would be interested to see opinions on how this data is presented.
  11. My personal default position is to ignore as much as possible. They know, or ought to know, that they have not complied, no need to tell them. Let them do all the hard work. Just keep copies of everything in a file in date order, one file for each account.
  12. Hello Looks on the face of it that PRA Group has not yet complied with the CCA request so you do not need to do anything further in my humble opinion. They might continue to correspond but have failed to comply until they...well...comply so can be ignored. It is looking very promising as if they could send you the original agreement they would have, what they have sent you is a waste of paper in the hope you will think they have complied. If it goes as far as a letter before action then that would be something you would have to respond to. Hope others on this thread will confirm that I am correct. Following with interest.
  13. Woowee, what a roller coaster! Congratulations on your walk through the lions den. Also, for your gutsy stand-up given the trepidation you felt before. You must now justifiably feel much more confident of yourself. Also, well done on such a great and detailed description of the event. Your note taking or memory are first class. I would not worry about any white lies. The claimant had no concern about their many dodgy actions. Well done...again!
  14. Fantastic,was not going to have a drink tonight.....but now I will!
  15. Might be wise to check with the Court but does not seem to be sinister, just a mistake. PS following with interest, keep going, seems to me you are doing all right!
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