Lowell rang me this morning, asking me what I wanted to do with the debt. Told them I was waiting for them to respond to my section 77 CCA, they said they hadn’t had it. They want me to send it again (with a covering note to explain they’d already taken My previous payment) should I?

Update: So, seems that Lloyds have agreed with the above re: the CC. The Loan case with FOS is still waiting for a handler. Also apologies dx - didn't realise I'd sworn! Will be more careful

After a flurry of emails today I've had a copy of the report the FOS investigator has sent back to Lloyds. They believe that Lloyds should uphold my complaint, refund charges and interest past a certain date, as well as remove adverse information after that date. Not sure of figures yet. Reading the report makes me cringe though - the investigator has pointed out all the bits where I was financially doing bad - payday loans etc I'll see what happens re: the Lloyds Loans, but thought I'd share the news

Nope - paypal. Although on some previous correspondence they referred to it as Here's the last 2 letters stating it's to paypal. File & ignore, I know. Lowell never responded to my CCA - did I get this wrong and should I have CCAd Paypal? (although I feel they're a bit harder to get an address for!) Wescot - Flatten Redact.pdf

I know that. Lowell do, and I thought they’d bought my debt, yet the letter from Lowell’s say they’re representing PayPal… that’s my confusion

3 new letters this morning a copy of the Cabot/ao response - a response from PRA with some docs for Lloyds loan, but saying unenforceable. also a letter from wescots related to old PayPal credit. As far as I know, it’s been sold to Lowell, who I CCAd and have no response, but wescots letter doesn’t mention Lowell, only PayPal. how do I determine who the actual creditor is? As far as I know based on previous comms, it’s Lowell…

It was ao finance, not Aqua, but yes, I missed that one. Will put another version up aren’t they ok to give me a cut and paste job now? I thought recons were ok? Will have a look at that thread now

here's the one I've been promising for ages from PRA / Barclaycard PRA - Barclaycard CCA response flat censored.pdf Here's the Cabot/AO response I received yesterday looks similar to the one above, so probably enforceable.

All the defaults for everything hit around the same time - when things got too overwhelming to pay back. The other way out would be to pay it back, surely ? Just count it as one of the debts on the dmp. That said, 4 accounts with new day open at once?

It was part of that period of time, yes Is it enforcable even though the IP listed is incorrectly an internal one?

ok, this bundle was smaller than the one I have yet to scan. I think I need to get me a better scanner (one with an ADF!) Cabot - Marbles CCA - Flat.pdf

Thanks HB Just had a response from Cabot/Marbles. Seems like a legit recon contract to start with (I will scan this in at some point) - even has the checkboxes, correct address, etc etc. However, the IP on the box is a bogon IP of 10.150.102.120 - Meaning either it's one of their inbound proxies, and they've misconfigured and are logging incorrectly for LOTS of people - or they've faked it. File and wait for Claim form ? or tell them where to stick it?

Help the old man understand the meaning? I’m bad at emojis, and the custom ones left my brain when I stopped working on forum software!

All default dates are Oct 22 (in both SAR and Credit file), when Lloyds sold everything off based on letters from ex DMP company, except for OD - which was changed and has been updated to July 2019. Lloyds have had complaints re: all accounts for either IRL/Affordability - and have declined all but the overdraft. CC has been sent to FOS who're looking into it - and this has also raised that the limits reported on my Credit report are being reported incorrectly. If it's changed to accurately report what my limits were/when they were increased - they gave me an increase whilst I was over limit at one point. I'm still waiting on the letter re: the Loans to come before I can push the Loan complaints to FOS

Ok, Filed and ignored. For lloyds, I've Overdraft - Complaint made & Refund bought balance down to £38 - being bought back by Lloyds CC - With FOS re: affordability/default date + incorrect reporting to CRA. Have been provided with enough to satisfy CCA - but not be enforceable in court (based on #49) Loan 1 - enforcable based on post #37 Loan 2 - No response to CCA Request I was speculating at one point that none of them would be enforceable if Lloyds didn't send me DNs (as I've not received them) All default dates are Oct 22, when Lloyds sold everything off based on letters from ex DMP company, except for OD - which was changed and has been updated to July 2019

Update: Things still going. I still haven't gotten around to scanning the PRA docs above, but they seem u/e for now. Cat has passed away Lloyds have sent back SAR data - which is a massive document full of random stuff. I can find in their entries from their system where it says that an automated system sent out default notices (a month after account closure!?) - but I never received any Letter from Wescot re: Cabot/Fluid this morning saying I've fallen behind on payment plan and need to start paying them again. Based on advice here, I've previously sent a CCA Request to Cabot who've come back saying it's U/E (25th October). No mention of U/E on Wescot's letter, like there should be - but I'm guessing that Wescot has no idea I've sent the CCA Request to Cabot and been deemed u/e Question: Wescot letter - should I do any/all of the following Letter them telling them I'm dealing with Cabot direct Letter them telling them debt is u/e and further contact is harassment Letter cabot with token F&F offer (I'd be happier with a line drawn under things)

Oh, I bet, I think I've seen two at least in the three threads I've looked at, but one of them led to an argument in the rest of the thread and the other led to the person ignoring your advice... I'm sorry us people asking for help are such a pain at times! And thankfully, pussy has insurance for the first £4k which renews on Saturday, giving us perfect timing for double the cost!

The letter from Barclaycard to PRA says it encloses Short form cancellation Historic Terms and Conditions Varied Terms and coniditions The 2 Ts & Cs have the correct address, and the header stating it's a "Credit Card agreement regulated by..." The "short form cancellation" is a single piece of paper with Which is pretty pathetic IMHO. In other news, I now have a FOS investigator on the case re: Lloyds CC affordability, and they've separately decided to open a case re: the loans too. edit: Sorry I've not scanned these up yet - it's a slow scanner, and I've been dealing with my cat being hospitalised and all the crappy paperwork around that! (£3800 for an MRI!)

The address was right, but no dates or any kind or indication of agreement online - literally just the terms. i presume this is compliant with the s78, but not enforceable in court?

PRA have now produced a statement for the Lloyds Loan we got the UE+Terms for, and declared it enforcable. I'll scan up at some point. Also had a long one from PRA: Re Barclaycard - enclosing letter B/Card to them Letter from B/C to me in response to CCA, as well as their attachments. I'll scan it up in full some time tomorrow/the day after, however, they've provided a recon of the credit agreement, and a copy of the terms "as varied in accordance with section 82(1) of the act". They also state the interest rate, fees, and charges set out in the agreement (with variations) may differ from what they've discussed with me due to the status of my account. Anything I should be particularly looking out for in these? About to go have a trawl through some B/C threads.

It wouldn’t be hard for them to say it was though, and then it complies?

From page 4: this is also a truncated version of the terms from page 11 - this doesn’t seem to match any of the docs I’ve seen related to this account. Possibly current terms? from page 30 - I believe these are the correct terms Based on that, I don’t think they’ve given me the right things, but I think it’s trivial for them to put together the right thing re: it not showing ip etc, is this required? I read they don’t need to even show a signature block for a recon?

Link have come back with something re: Lloyds CC Debt. They have included A reproduction with half the contract, and ticks for signatures (see later, the CCA goes into point 21, whereas the one with my "signature" (tick) only goes up to S.10) - this has correct address as of date of CC being opened A template with my current address inserted for a CC that doesn't match the terms of the other two provided (though, it was a slightly better interest rate than they gave me) A copy of what seems to be the template CCA with my (old) address inserted. As far as I can see, the last one is "correct" other than the "General Credit Card conditions" not seeming to be included I've also had a text message from PRA saying they've put my account on hold for 14 days (probably cause I cancelled all the payments to them) Link - Lloyds CC redacted-flat-smush.pdf

Ooh, that's very nice to know. We shall see where this one goes

No they haven't. Since being on the DMP I've had a DN and account closure letter (Sep/Oct 22) through the post from them. In my online account, I had a "Please get in touch" and "Please fill in our income/expenditure form" when I moved from DMP to self managed DMP (July 23) and now the breathing room letter. No notice of sum in arrears from them at any point, before during, or after DMP