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    • Defence submitted. On my clear score report there doesn't seem to be any date of default noted, nor can I see where that might appear. When they responded to my CCA and CPR requests they didn't give me a default date either. So, what happens now? Is it likely that I'll actually have to go to court over this?
    • Hi Andy, thanks for the reply. I guess I will need to get copies of the agreement to check that, which may take some time.   What do you suggest I should I do in the interim, as I'm conscious the clock is ticking on needing to AOS?
    • Hi everyone    ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently.   i want to ignore it but I’m not sure that’s the best thing to do?   i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files.   I have no idea what these people want and this is the 1st contact.    can someone point me in the direction?   thanks    mike 
    • I've been reading up on cases, especially the HSBC vs. Carey. Am I missing something?  It appears to be the conclusion that the decisions in this case meant that regardless of what date  credit agreements were entered into, a claimant no longer needs to produce a signed copy - or even original copy.  It appears that a reconstituted copy of agreement is acceptable by a court and any judge that seems to be swaying towards using it as a reason to find against a claimant could easily be reminded or prompted by their solicitor.  How do I defend my case to be any different?  It will clearly be a case of :   It looks like you probably had a credit card. They've produced a copy of original agreement and added your name and address - so that's good to go. They've got a statement showing a balance outstanding. Therefore, game up - why are you even bothering to defend?     I am working on my "Formal defence"    Can I just ask for some "bullet points"   So far - my main arguments will be that the requested "credit agreement" is not a credit agreement - it is a barely legible application form - which does not bear any account numbers which correspond with the statements produced by the claimant nor match the agreement number included in the original claim (POC).  Secondly, as helpfully highlighted by DX, their WS is relying on a screenshot of "the claimant's predecessors system screen" to show that a default notice was issued on 08/06/2010; clearly there is no copy of said Default notice. Other items I have up my sleeve - should I include? - are the discrepancy in the amounts owing between the Assignment notices - Lloyds stating a figure in excess of £6k (dated 29/6/19) and a letter from Hoist informing me of this assignment but stating an outstanding amount of £4.5k (the amount of the claim).  Clearly, the lack of reference numbers - i.e. their claim does not match the 16 digit credit card number shown on the numerous statements they have included in their WS. And do not match a number shown on the blurry application form. Also, the application form is dated 1998, the first statement they provide is 2010 - can I use this gap/lack of evidence in my favour? I notice on my "illegible" application form there was a reference to "credit card payments insurance" (I assume this is PPI) - during my research, I'm sure I read that any t&c provided should also include this - I notice their seven added pages make no reference to PPI - which even if I didn't take it out would surely have been needed to be included?   So - just to summarise - is it the "poor quality credit agreement"; the fact that they haven't even declared that they are producing reconstituted copies of t&c and the lack of default notice having been issued - well lack of copy?   On the flip side - where do I stand in terms of the payments I was making - allegedly to this account - via Robinson Way? Is that a case of acting dumb/naive?   Thanks very much everyone.   Barafear.    
    • it sometimes takes a good while for all related entries to be removed.   dx
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Hi there folks.

 

I'm in need of a bit of advice please. So i owe a lot of money to a lot of companies. Some are being paid monthly minimum and there's a few which are being dealt with by debt collectors ( Ive contacted them via letter asking to make token payments already)

 

I regards to the several credit cards i have, i'm literally just paying the interest every month and the balance isn't going down. I cant to pay any more than that.

 

I'm thinking of sending them all letters asking to freeze the interest and accept monthly payments of £10 ( which is around the same as the min monthly payment anyway ) What are the chances of them accepting this?

 

The companies in question are Capital one, barclaycard and vanquis.

 

Many thanks, Amy.

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yes good idea

you have of course sent everyone a CCA request? haven't you?


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No, should i? I have the debt collectors letters ready for sending next to me. Should i send them a cca first?

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you should have done that years ago

from your other threads

looks like you could be being cash cowed blind here

esp if you've been paying to a DCA for years.

 

can you list your debts?

for each tell us

 

original creditor

what type of credit

the date you took this out

who you paid now

is it defaulted on your credit file and the date if it is

outstanding balance.

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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That might take a while. Some have not come after me yet.

 

I have

2 personal loans from Lloyds ( Both defaulted, 1 passed onto Moorcroft )

Over draft with Lloyds ( Account frozen and nothing happening )

 

Credit Cards

American express ( Defaulted and passed onto NCO)

Barclaycard - upto date on payments

Capital one - upto date on payments

Vanquis - upto date on payments

 

Catalogues

Very ( monthly payment plan in place and interest frozen )

Studio - upto date on payments

Littlewoods - upto date on payments

 

Other

Argos card - upto date on payments

Paypal Credit - upto date on payments

Drafty - upto date on payments

 

I think that's them all. Most were taken out within the past 5 years.

 

Just checked my credit report.

 

Only the 2 Lloyds loans and Amex have defaulted.

 

Very states unknown as im paying a monthly payment and everything else upto date including my Lloyds bank account which has a extremely large unpaid overdraft on.

 

Very confusing!

Edited by dx100uk
merge

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ok not as bad as I thought

I'd go with you initial idea then

send the lot a letter offering £xx for xxMTS if they freeze all interest and charges.

there is a good example in the debt collection section of our library

 

see what they say.

I'd start paying this new sum to each regardless now to show goodwill on your Behalf.

 

all ok?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Does this look good to send? Ive tried to personalise it as much as possible without being too confusing.

 

I am writing to ask if you would be willing to freeze the interest on my account and accept a payment of £10 monthly for xx months to clear my debt.

 

I enclose a budget summary which shows my total income, and my total outgoings. As you can see I have only £10.42 per month left to offer you.

 

I have worked out the offers I have made to my creditors on a pro-rata basis and I have written to all my creditors asking them to accept these offers.

 

Because of my circumstances please agree to accept the offer of £10per month. If you are adding interest or other charges to the account I would be grateful if you would freeze these so that all payments I make will reduce what I owe you and the debt will be paid off in full sooner.

 

If my circumstances improve, I will contact you again.

 

I would be grateful if you could provide details to set up a standing order to make it easier to pay you. Thank you for your assistance. I look forward to hearing from you as soon as possible.

 

Yours faithfully

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pers I'd not be as polite..id demand they freeze charges and interest else I will retrace my generous offer

 

use bacs transfer on your banks interweb portal. don't await SO details

 

I'd also get any income you get removed from any bank account you owe money on or cards with the same bank

 

open a parachute account and pay your income to them.

stops anyone off setting.

which they can and might well do as soon as you alert them you have issues


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I personally would approach softly softly..you cant demand anything....they are on the higher ground at the moment.....and standing order is preferable to bacs transfer..then it can be done automatically.

 

 

Andy


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We no longer use the Lloyds account and set up a Flexi account with nationwide. All our money goes to that account now.

 

I prefer to pay by standing order as i have full control and wont forget to pay that way. I pay a lot of bills with standing orders.

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please let us know how you are getting on as im in a very similar position

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I regards to the several credit cards i have, i'm literally just paying the interest every month and the balance isn't going down. I cant to pay any more than that.

 

 

Consider transferring the balances to 0% interest credit cards.

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