DMP mutual support thread part 13 !!

ditty1234

Hi Just to say that my self managed DMP is rolling on undramatically. One debt previously owned by NatWest/Lloyds is now with Intrum Finance UK, and still administered by Wescot. I am not paying anything on it, I haven't heard from Wescot for a good while, the debt is unenforceable. What can I expect from Intrum? I think I have the unenforceable or on hold letter somewhere, so I guess I will send them a copy of that along with a polite letter if they start anything?
Keep up the good work everybody.

jools1985

ditty1234 said:

Hi Just to say that my self managed DMP is rolling on undramatically. One debt previously owned by NatWest/Lloyds is now with Intrum Finance UK, and still administered by Wescot. I am not paying anything on it, I haven't heard from Wescot for a good while, the debt is unenforceable. What can I expect from Intrum? I think I have the unenforceable or on hold letter somewhere, so I guess I will send them a copy of that along with a polite letter if they start anything?
Keep up the good work everybody.

I am in a similar situation. I have an unenforceable debt with RBS. I am not paying anything towards it as I'm concentrating on the enforceable ones. I had a letter yesterday from RBS saying Intrum now own the debt but it is still being managed by Wescot. I also wonder what to expect from Intrum. I was going to ignore it and see if they send me a F&F offer.

Penguin_

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

19ryanh93

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

Penguin_

19ryanh93 said:

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

A couple of years, I went with SC for a DMP for a couple of years then went self managed a couple of months back following hearing posters on here saying it was easy to do.

sourcrates

Penguin_ said:

19ryanh93 said:

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

A couple of years, I went with SC for a DMP for a couple of years then went self managed a couple of months back following hearing posters on here saying it was easy to do.

You need to be clear in your communications with them.

They assumed you wanted a hold placed on your account, which was incorrect.

You must be clear in what you are telling them, if your not going to pay, then tell them so in plain English.

Also bear in mind if a debt has been sold, the new owner will not be aware of its enforceability status, so you need to tell them that also.

Penguin_

sourcrates said:

Penguin_ said:

19ryanh93 said:

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

A couple of years, I went with SC for a DMP for a couple of years then went self managed a couple of months back following hearing posters on here saying it was easy to do.

You need to be clear in your communications with them.

They assumed you wanted a hold placed on your account, which was incorrect.

You must be clear in what you are telling them, if your not going to pay, then tell them so in plain English.

Also bear in mind if a debt has been sold, the new owner will not be aware of its enforceability status, so you need to tell them that also.

And as luck would have it they have emailed me a CCA this morning so looks like it is enforceable. 

sourcrates

Penguin_ said:

sourcrates said:

Penguin_ said:

19ryanh93 said:

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

A couple of years, I went with SC for a DMP for a couple of years then went self managed a couple of months back following hearing posters on here saying it was easy to do.

You need to be clear in your communications with them.

They assumed you wanted a hold placed on your account, which was incorrect.

You must be clear in what you are telling them, if your not going to pay, then tell them so in plain English.

Also bear in mind if a debt has been sold, the new owner will not be aware of its enforceability status, so you need to tell them that also.

And as luck would have it they have emailed me a CCA this morning so looks like it is enforceable. 

Has to be a paper copy, in the prescribed manner, an emailed copy is not sufficient.

Penguin_

sourcrates said:

Penguin_ said:

sourcrates said:

Penguin_ said:

19ryanh93 said:

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

A couple of years, I went with SC for a DMP for a couple of years then went self managed a couple of months back following hearing posters on here saying it was easy to do.

You need to be clear in your communications with them.

They assumed you wanted a hold placed on your account, which was incorrect.

You must be clear in what you are telling them, if your not going to pay, then tell them so in plain English.

Also bear in mind if a debt has been sold, the new owner will not be aware of its enforceability status, so you need to tell them that also.

And as luck would have it they have emailed me a CCA this morning so looks like it is enforceable. 

Has to be a paper copy, in the prescribed manner, an emailed copy is not sufficient.

Thank you! I will get in touch with them, when you say prescribed manner what do you mean?

sourcrates

Penguin_ said:

sourcrates said:

Penguin_ said:

sourcrates said:

Penguin_ said:

19ryanh93 said:

Penguin_ said:

So following my post where I have said PRA have agreed that the as they couldn't find/supply a CCA the debt was unenforceable, they have now emailed me to say 

We recently spoke with you and you let us know that you would like your account to be put on hold.

As an outcome of that conversation we put a 14 day hold on your MBNA Limited account reference MBN103104 which will stop any contact from us.

We will send you another email just before your account re-opens but you should get in touch with us before your hold comes off if you have to give us more information. I guess this means they will continue to chase even though it is unenforceable. Is it worth asking them for a F&F settlement given they haven't provided a CCA? How hard will they chase for an unenforceable debt?

How long have they had the debt before you've sent the CCA requests?

A couple of years, I went with SC for a DMP for a couple of years then went self managed a couple of months back following hearing posters on here saying it was easy to do.

You need to be clear in your communications with them.

They assumed you wanted a hold placed on your account, which was incorrect.

You must be clear in what you are telling them, if your not going to pay, then tell them so in plain English.

Also bear in mind if a debt has been sold, the new owner will not be aware of its enforceability status, so you need to tell them that also.

And as luck would have it they have emailed me a CCA this morning so looks like it is enforceable. 

Has to be a paper copy, in the prescribed manner, an emailed copy is not sufficient.

Thank you! I will get in touch with them, when you say prescribed manner what do you mean?

In the correct format, for example a paper copy, not an electronic image.

You have to be sent a “true copy” of the agreement – this doesn’t have to be a photocopy of the original agreement.  It must be legible and it must include:

• your name and address when the account was opened;
• the creditor’s name and address when the account was opened;
• the terms and conditions of the account at that time, including the cost of credit (the Annual Percentage Rate), when you have to make payments and your cancellation rights; and
• any other documents that were mentioned in the Terms and Conditions.

It doesn’t have to have your signature on it. Indeed if you opened the account online you may well have signed it “digitally” and there is no document with your physical signature – this is perfectly legal.

If you aren’t sure what you have been sent is correct, you can ask National Debtline about it or you could post about it on the Legal Beagles forum.