scared34
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Hello, Can someone please check attached cca agreement. Thank you
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Dx, Can I type it up instead of uploading? Converted pdf copy is always poor quality. Thanks
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CCA is exactly the same as the one we still have at home from the time we took loan in 2009. We were paying reduced amount for about 6 months from 2011, BH passed debt to Ascent and then sold it to Hilsden. We have agreed on monthly paymet plan and we are paying it off gradually. All fees have been reclaimed back when debt belonged to BH. We are in a dispute now over interest hilsden is still appying. In my understanding debt buyers are not allowed to add intrrest unless there is special clause in agreement allowing them to do so. Regards
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Morning all, I have question regarding loan agreement for a personal loan we took in 2009. debt originaly with BH has been sold to Hilsden last year. In response to cca request they have provided agreement but my date of birth is wrong. Does it mean agreement is void? Regards
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It has been opened in 2008.
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Thank you for your response Sidewinder. I shall wait for their next step.
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Hello all, I have been contacted recently by Wescot regarding Barclaycard debt. I have sent prove it letter and got response from Wescot with statement of account dated November 2012 and letter saying their client Barclaycard has stated this is the only statement they can provide. What are my next steps? Thank you in advance
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Dear DX, In attachment Cca received from Hilsden Securities. Thank you in advance Best regards
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Thanks DX I will post it up tomorrow. Hello all, I am back again and again in need of your help regarding the same issue with Hilsden Securities applying intrest to my debt. Paragraph about intrest from CCA agreement states as follow: Intrest will be calculated at the intrest rate shown on page 1 on the daily balance outstanding on the Account and debited to the Account on the last day of each calendar month.( after as well as before any judgment) Can anyone share their wisdom whether they are allowed to apply intrest? Thank you in advance
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Hello all, I would like to ask advise on this matter please. We have unsecured loan originally with Black Horse which has been sold to Hilsden Securities. Notice of assignment received they have all paperwork and are on credit file as debt owner. We have agreed on monthly repayment plan when I looked on my account online they are adding something called Miscellaneous ledger postings every month. It is about £80 every month! Could anyone advice me what that stands for before I query it with them. Thank you in advance
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renegadeimp, There was no insurance on loan. Few charges for £225- we started reclaiming process and used spredsheet from here. Dx, Yes we have. Sar received whith all info and statements, we havent found anything suspicious in SAR. Altough what we should look for in SAR? Scared34
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Dx, Notice of assigment has been received. It states as follow: ' we are writting to advise you of an important change to the ownership and managment of your account. As your current account remains in arreas we have pass your account and outstanding balance to Hilsden Securities trading as DLC. You will receive a seperate letter from dlc confirming the transfer of ownership and responsibility.' Letter from Hilsden received as well. The loan was taken out back in 2011 for £9000 with annual i intrest rate of 16.70% per annum. CCA we received is exactly the same as the one we still have at home. You can clearly see amount of credit, total charge for credit, total amount payable, amount of monthly repayments, ours signatures, and terms and conditions at the time loan was taken. Based on that we presume CCA us legit. We want to pay it back, we just do not want to pay more that we owe. Best regards Scared34
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Hello, Thank you all for advise. CCA they provided is complaint. No insurances on loan. There was few charges fir the amount of £225 on it, letter to reclaim them have been sent(awaiting BH response). I will sent letter today asking for discrepancy. Best regards Scared34 Another question guys, If alleged sale of debt between Blackhorse and Hilsden Securities took place,when Hilsden will show on my credit file? I checked my CRA file today and BlackHorse is still the owner of debt. There is also no defoult entered against it. It just simply sais 'late payment' How can I find out if the has been trully sold? Thank you all for advice Scared34
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Yes they did I. have received letter from Blackhorse that the debt is being managed by Hilsden Securities. They have not used word 'sold' tough.
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Hello all, I would appreciate any advice on this. We had a loan with black horse taken back in 2008, due to financial difficulties we stopped paying our agreed monthly payment and went for reduced payment plan initially with BlackHorse. After about 12 months the debt has been assigned to Ascent whom we were paying the same amount agreed with BlackHorse. Couple of weeks ago we have received letter from Hilsden Securities trading as DLC informing us that BlackHorse has sold debt to them and they are now our data controller. However the amount Hilsden claim we owe is incorrect. How should we play this? When account was still with Ascent we have made CCA request and SAR request to Blackhorse. Sar is dated 17th of June with all payments that have been made up to that date. We also can prove payments made after that date. What should we do? All help is greatly appreciated as always.
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