This was the month before Details of Account Account SAINSBURY'S BANK LTD Info Type Credit Card/Store Card Account started 25/11/2009 Current Status Up to date Credit Limit £7,200.00 Balance £3,616.00 credit in use Entry code C1 Arrangement Start Date Nov End Date Jan What does this mean? The lender has agreed to vary your payments for a time.

So the AP markers won’t continue to affect my credit ?

I paid the whole amount of last month so the account is it £0

No I have paid it all off it’s with the original creditor. I don’t understand I thought that it being an arrangement to pay account would affect my account for 6 years after it’s was paid off, I paid it off last month

Why’s that if it’s been in an arrangement to pay?

Details of Account Account SAINSBURY'S BANK LTD Info Type Credit Card/Store Card Account started 25/11/2009 Current Status Up to date Credit Limit £7,200.00 Balance £0.00 credit in use Entry code C2 Arrangement Start Date Nov End Date Jan What does this mean? The lender has agreed to vary your payments for a time. why would you not advise I complain?

Yes that’s my point but they keep dismissing it saying the opposite so I don’t know how to argue back. My argument is they did and still are giving me false advice which I took and in turn put me in a worse financial situation. I have the CCA for this and all DSAR info. This debt is now paid in full

I am going through an ongoing dispute with Sainsbury’s re them not backdating my default. This is my complaint - Sainsbury’s have got back to me and said they won’t uphold the complaint. They say the advise given about AP markers affecting your account less than defaults is correct which it clearly isn’t and that I didn’t state at the time when I was requesting everything in writing my mental health issues they were still ok to insist on my calling instead of communicating with me in writing which I think is incorrect, if I have requested communication in writing then they should do it whether they know the ins and outs of my health. can anyone advise on how I can respond to them? TIA

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Thanks I will do that. I’ve checked thought the SARs info again and not mention of that loan at all really strange. I was also paying £300 a month on a Tesco loan the same time they gave it me, very silly @dx100uk I sought advice from the nation debtline web chat about going through an irresponsible lending claim, the First Lady was brilliant giving me sections of the credit act to quote and then we got cut off. The next two people weren’t, the first one said I didn’t have a claim as they offered me a loan and it paid off my overdraft or something and the other one said they couldn’t help me as it was a legal matter and I would have to go through a legal team. Not got a clue if I have a case now and what qualifies as one

No of course I didn’t and that’s why I ended up in 48k of debt, a lot of it interest and lining these companies pockets. 3 years on I have repaid now 35k and I am trying to do everything I can to claw back on my mistakes. I also don’t want companies to be allowed to do this so they need to be argued against. I am a different person now and know a lot more than I did then from reading and forums such as this. The past is the past and I want to carry on moving forward. Yes I shouldn’t have done it, yes I think about that a lot but here I am. Now can I get Halifax for this ?

Thinking back 2016 was when I realised we had too much debt and were in trouble I suggested and looked into a DMP but my husband said try the loan, two years down the line we have to go for the DMP. i shouldn’t have taken but Halifax really shouldn’t have sold me a load to pay off a loan if there’s and get more interest off me, it was bound to go one way. How are they allowed to do this. I’ve been through my sars about 5 times and once already today, it’s about 5 inches thick. I need to look in the bank statement part of when Halifax put the 19k in my bank and how much I paid straight back to them on their original loan. I’ll look again for the 2016 loan but sure there was nothing

Yes they show it was refused doesn’t it? I’m thinking did I apply on my own and it was refused and then maybe put my husbands earnings on, I just can’t remember. The first loan I don’t remember how I took it out but there’s nothing of it in the sars. No one advised me to consolidate

I’ve paid the Moorcroft one. from vague memory I think the original loan was taken around 2013/14 and think was for 15k. the second loan was taken out March 2016 and was for 19k. There were some repayment holidays on it: I have linked here some documentation on the application and the process of it moving to collections and sold included in the SARs, wonder if you can understand it? Or would be kind enough to look 2020-08-16_14_21.45_(Merged)-1_copy.pdf

Just been through it all again I can’t find anything in the comms I can identify but that’s me looking. Yes I was deep in debt when I took that loan out. lots of unsecured debt with no assets. The loan was to consolidate the other loan I had with them and debts but it didn’t touch it. I also had a overdraft with them that they didn’t sell but passed to Moorcroft to collect.

@dx100uk do you think if they send them that agreement it will be enforceable ?

I presume I entered the password. no all payments were up to date when I entered the DMP I hadn’t missed any it’s just I owed out nearly 50k and payments weren’t making a dent as I was paying so much on interest. I don’t know why they sold it on don’t really understand the whole process

See removed thank you

Here’s the agreement I got sent by Halifax’s with the SARs would link have what they need if Halifax send them this ? 2020-08-15 15.10.24 (Merged) copy-1 copy.pdf

I’ve stopped payment which is due to come out tomorrow but I’m sure Wescot will try chase the debt for them I will just send them a copy of the letter and no more. the debt is a Halifax loan taken out in 2016, It paid an original loan I was paying Halifax for from a few years previous and to try and consolidate other debts as a last ditch attempt to get control on my finances which failed. My question is would they need to find the CCA of the newer loan or the one it consolidated or both ? Your time is appreciated and your patience !

Link sent me this letter about my CCA request, what’s the chances of them finding it? I have the sars info from Halifax and I’m sure I have the CCA there 2020-08-15 13.51.27 copy.pdf

Thanks for having a look, 2 x MBNA accounts been paying for 3 years every month sold to PRA group although never defaulted, I put in a complaint to MBNA which got nowhere. 1.3k left on each and AP markers being added every month. I will try and pay them both off in the next 3 months. I have complained again to MBNA about having them default last week so see what that brings just purely for my credit file

Hi, I have received the first of my CCA requests sent through from PRA group, they are for 2 x MBNA credit cards in 2013 and 2015. They look right to me but I know nothing. Could anyone check and please advise, it would be greatly appreciated 2020-08-13_13_50.36_(Merged)_copy_copy_(1).pdf

I am still far from getting it and it’s defiantly not been a year. I am much better with black and white than ambiguous, it’s hard when you don’t have a clue! I appreciate your patience, it’s needed

Hmm so they can and you think i should go that route? I just thought DCAs couldn’t default