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teaandtoast

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  1. Thanks Brig, I am well aware that I need to get settlement figure in writing first! I think £10 is a very reasonable offer!
  2. Well, I thought I had paid the full amount off, but Robinson claim otherwise. If I can send the money direct to HSBC and those muppets at Robbers Way won't see a penny then I will do that. I'll write to HSBC first and clarify who owns the debt etc and take it from there... Also, the amount is not really the point, these companies need to realise that they have to operate within the law and consumers have legal rights. They can't just harass people for payment without proving they have a legal right to act on an account, and I think it perfectly reasonable to expect them to do that. Thanks.
  3. Thanks for this. I knew the SAR was an option but as you say it costs £10. The debt is only £30. I am considering making them an offer of £10 just to p*** off. Will write to HSBC first though. I don't see why I should make it easy on them which is why I am pushing the fact that they should be sending me a NOA or at least telling me when they took over the debt and from whom...
  4. Previous DCA was 'Central Debt Enforcement Agency' (who I think were part of Metropolitan) acting on behalf of HSBC. Was paying them and to the best of my knowledge the debt was cleared in full according to my payment plan. I requested full statements of account from Robinson and they provided me with a printout from them showing last six months of payments to them. I have repeatedly asked them to confirm from whom and when they took over this debt, as well as a Notice of Assignment, but they will not tell me anything. Surely it is their legal responsibility to provide me with proof that they have a right to act on this debt and to provide me with the NOA as requested?
  5. Robinson Way are chasing me for an old HSBC overdraft (last payment made in 2008) and won't provide me with a Notice of Assignment from either HSBC or previous DCA that I dealt with. I have requested it four times now and they just sent me a letter from themselves. I replied saying it wasn't the correct documentation. They just ignored my comments and said they were satisfied of my liability for the debt and that I should contact them within 14 days to arrange payment. They have as yet still failed to prove they have any legal right to act on this account. My understanding is that they would need an Assignment to pursue this through the courts. Does a CCA letter mean they would have to send me the assignment or this not valid for overdrafts? Any help much appreciated.
  6. thanks for your input hungrybear. I have not yet sent them a CCA request as the £1 a month agreement was negotiated through the CAB. Since then I've been happy to keep this account on the backburner while taking on the other more aggressive DCAs myself. However I guess this is the perfect time to send the CCA - I will send this to Metropolitan. Should I keep paying them in the meantime or just cancel the standing order?
  7. So it appears the account that SRJ are chasing is for an HSBC Credit Card which is already being dealt with directly through Metropolitan. Have been paying £1 a month to Metropolitan for a year so - however when I went through old paperwork it looks like I might have been paying this money using the wrong account reference. Bit confusing really but I can only think that Metropolitan gave me the wrong standing order reference. The amount SRJ quote is more than it should be considering the debt is (slowly) being paid off. A fortnight ago I wrote to Metropolitan and requested a statement of account and to clarify which is the correct reference number. I also sent SRJ the 'prove it' letter. Neither have had the courtesy to reply. I think that at least I should be entitled to some sort of statement from Metropolitan and if I have kept to the arrangement it is unfair for them to pass the debt on to SRJ. Any advice? Shall I just stop paying the money and see what happens??
  8. thank you very much for this - I sent the SAR yesterday so I'll see what they come back with and get cracking.
  9. I've just also had a thought: Say my original loan was taken out in 2002 with PPI. I then got a top up loan to pay off that amount and then borrow a bit more in 2005. So I've got 3 years of PPI 2002 - 2005 to claim back. But also because the top up loan was used to pay off the PPI, that means I've also been paying interest on that PPI since 2005. So I can claim back all that interest as well. And I can claim back 8% interest on that interest. Is that right???
  10. Hello, I am contemplating making a PPI claim on my Egg loan. I originally got an Egg loan for £6,000 with PPI around 2003. In 2005 I needed to borrow a bit more and so Egg 'paid off' the original amount and then lent me £10,000 without PPI (as I realised I would pay it off quicker without the PPI!) This current loan is due to end in March 2011. I don't have any statements or CCA for the original loan so have no idea how much PPI I paid. Can I claim back the PPI on the original loan without any account number? If I send a Subject Access Request do they have to send me statements? Also, will this have any impact on my current Egg loan / credit rating?? Any advice much appreciated :-?
  11. The "notice of assignment" which I received from "Natwest" was a forgery produced by Capquest and posted from their registered address. It was so badly done it made me laugh out loud and I told them so.
  12. thank you - i will sit tight and wait in anticipation for the empty threats to arrive . . .
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