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Full and final settlement help thread

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  • tigergambit
    tigergambit Posts: 70 Forumite
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    edited 26 August 2023 at 12:28PM
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    fatbelly said:
    I would assume Sainsburys are still looking for the agreement. It's unenforceable as things stand so you don't need to do anything
    Thanks @fatbelly.

    So Sainsbury's have found the agreement and I have sent a F+F. Waiting for a reply.

    I had two letters arrive today (26th August) in response to the CCA requests, both dated 11th August (!). Identical letters save one is on New Day letterhead (who I have an account with) and one on fluid letterhead (asking for info to be sent to New Day - I have never had an account with Fluid).

    Letter says:

    OUR REF: XXXXX
    Account Number: NA - My name

    Dear Sirs

    ...

    Upon review of our records we have been unable to locate an Aqua account for you and in order for us to proceed with your request we would require the following additional information
    - Full previous address history
    - Copies of any statements or account numbers held previously

    Please send to {NewDay Address}.....

    If we do not receive any additional information we will assume you no longer need our assistance in this matter.

    [END of letter]

    As I have said I have Asperger's and have great trouble with ambiguity. I have lived at the same address for 25 years, long before I opened this account, and have already supplied them with the account number (which I am paying into via Payplan).

    Happy to resend these but this doesn't appear to be of any use to them BUT
    - What does the last sentence mean in regards to the status of the account?
    - Is it enforceable or not at the moment / in the future?
    - Should I tell Payplan to resume paying?

    Thanks

    TG
  • fatbelly
    fatbelly Posts: 20,929 Forumite
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    So you did a cca on the Aqua card. They responded (parent company New Day) saying they can't locate an account.

    Is that right?

    No I wouldn't commence payments. Pay the enforceable debts, and if they write asking for payments, remind them that your s77-79 request has not been fulfilled.
  • tigergambit
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    fatbelly said:
    So you did a cca on the Aqua card. They responded (parent company New Day) saying they can't locate an account.

    Is that right?

    No I wouldn't commence payments. Pay the enforceable debts, and if they write asking for payments, remind them that your s77-79 request has not been fulfilled.
    Yes, that's right. It wasn't an Aqua card - I think it may have been Pulse, one I got in a weak moment through Amazon anyway.

    Thank you so much for the super-prompt response - I get very uptight and anxious about things like this, even though part of my brain says ignore.
  • DjangoUnchained
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    fatbelly said:
    So you did a cca on the Aqua card. They responded (parent company New Day) saying they can't locate an account.

    Is that right?

    No I wouldn't commence payments. Pay the enforceable debts, and if they write asking for payments, remind them that your s77-79 request has not been fulfilled.
    Yes, that's right. It wasn't an Aqua card - I think it may have been Pulse, one I got in a weak moment through Amazon anyway.

    Thank you so much for the super-prompt response - I get very uptight and anxious about things like this, even though part of my brain says ignore.
    thats what they prey on, people getting uptight aboiut it. I have trained myself not to give a sh... I laugh to myself as i have blocked their phone number but see on my phonelog they have tried to call me every day for nearly two years. I get occasional letters offering me discounts on my unenforceable debt.Th only thing i will respond to is a letter before claim, i will fight them as needed. I dont intend to pay them a penny. they cant supply a cca, and in a couple of months it will be statute barred. im not goin g to talk to them before then. then i will raise a complaint with the fca and try and get compo, who knows.
  • PaulC0
    PaulC0 Posts: 29 Forumite
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    Need some help from you guys 

    Off on long term sick and now being made redundant. Currently in reduced payment arrangement with credit card company, a catalogue company and a DCA who took over debt from a second catalogue company. Payment arrangements are up to date. Could I start the process of F&F or is it pointless as regular payments are being made? Thanks 
  • RAS
    RAS Posts: 33,093 Forumite
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    edited 3 September 2023 at 1:49PM
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    Can you check your credit records? Have you got arrangement to pay (AP) markers?
    The person who has not made a mistake, has made nothing
  • PaulC0
    PaulC0 Posts: 29 Forumite
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    RAS said:
    Can you check your credit records? Have you got arrangement to pay (AP) markers?
    RAS said:
    Can you check your credit records? Have you got arrangement to pay (AP) markers?
    Thanks for your response

    Two of the accounts are in Special Arrangement, paying reduced payments for 6-12 months. The other account is a DCA but there's no mention on credit file. 

    Have prepped letters using the template for F&F as I can get help. Unsure what to offer. 

    Getting stressed. 
  • RAS
    RAS Posts: 33,093 Forumite
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    It is probably to early to offer full and finals. Chill, or share a bit more information. Is interest frozen?
    The person who has not made a mistake, has made nothing
  • PaulC0
    PaulC0 Posts: 29 Forumite
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    edited 3 September 2023 at 9:50PM
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    RAS said:
    It is probably to early to offer full and finals. Chill, or share a bit more information. Is interest frozen?
    OK, here goes

    Account 1; Lowell, purchased from Jacamo after defaulting on payments. £3000 original balance, now at £1800. I reduced payment to £25 per month (from £100) a few months back. Changed that to £10 today. Interest Frozen. 

    Account 2; Freemans, £3000 balance and in special payment arrangement for another 4 months before review. Interest Frozen.

    Account 3; Virgin Money, £6900 balance. In special payment arrangement of 1% per month. Interest Frozen. 

    Currently on ESA after redundancy 
  • RAS
    RAS Posts: 33,093 Forumite
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    How recent was the redundancy and how soon do you think it will take to get back into work?
    The person who has not made a mistake, has made nothing
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