its approx £1980.00 and yes Ithink its been defaulted by abbey.

no CCA as yet,

just been avoiding it, and

offered £50 per month and they refused unless he made a down payment of £400.00,

1st Credit then sent it to Connaught,

which I have found out is the same company,

and I have avoided them to be honest.

The last letter was saying that they were preparing court papers, so god knows what comes next.

Has the account been sold absolute to 1st credit or are they chasing for Abbey?

And do you have the copy of the default notice still?

and £50 per month is just over 5% (50p over;)) of the bal so I think thats very reasonable for you to offer

If I was you and you can afford £50 I would set up a standing order for that amount to Abbey (unless they have defo sold the account) if they have then set it up for 1st Credit and refuse to budge, write them a letter stating that this is what you are doing and all you can afford and leave it at that.

CCA request to them as well, the last paragraph covers if they are acting for Abbey/Santander so get that fired off at the same time. send it to 1st Credit

The "Head in the Sand" technique is exactly what I used and

I got court papers land on my door so lets get pro active and leave the **** bags on the back foot.

This is what they do,

pass it to the next desk in the office who amazingly works for a "different" company,

and just scare scare scare! No more!!

how do I find out who owns the debt?

I will call home this afternoon and ask hubby about the default letters.

I know that abbey were still adding overlimit and default charges until about 6 months ago, the balance went up and up

The letters should tell you that they are acting for their "client". If you are not sure your hubby needs to call abbey and ask whether the account has been sold. He needs to say something like "could you tell me whether you still own account number xxxxxxx or whether this account number has been sold to anyone, if it has can you confirm who this account number has been sold to"

Yes default charges late fees overlimit fee interest on top of interest and the charges. I know that one well too, a balance of £980 went upto over £2,000.00 before it got sold on and chased grrrrr.....(I'm still fighting that one!)

At the end of the day Abbey will be the ones that have the alleged agreement so it doesnt matter whether you send it to either of them, the request has to be complied with

What about doing a SAR aswell to claim unlawful default and interest charges back? Even if they just get credited back to the alleged account at least the balance would be easier to work with.

This cost £10 but you get all of the data they hold on you, this would be sent to Abbey/Santander. Unless you have saved all of the statements and could calculate and send a letter asking for them to pay back with 8% interest which is what would be awarded by a court.

will they confirm that to him over the phone? if Abbey still has it can he make an agreement to pay direct with Abbey?

if it makes a difference he still gets a statement from Abbey?

if it makes a difference he still gets a statement from Abbey?

DO NOT SIGN ANYTHING!!!!

Ok right,

this is what to do

CCA request obviously and I would do the SAR unless you have all of the statements to add up the charges.

1. set up a standing order for what you can afford (realistically) to ABBEY

2. write a letter to abbey stating what you have done and why

3. write a letter to 1st Credit stating you are not dealing with them and suggest they contact their client for further details.

4. Sit back and wait for Abbey's response.

5. once you have got the figure to claim back re unlawful charges send letter asking for them back and the 8% ontop this will probably be credited to the alleged account, it may take a few letters and arm bending but keep at it

I will get him to call abbey and ask, I will do it now and post back.

x

what does a Subject to Access letter look like?

Dont agree to anything over the phone, you have no proof of what has been said and they are all quite good at back tracking on their word. Sometimes they even back track on what has been agreed in writing which makes me chuckle, hardy ha ha

my hubby being harrassed by 1st Credit and then Connaught.

I sent off the CCA request, we are waiting for the SAR to come back.

We also wrote to Abbey saying that we are setting up the SO which we have,

and wrote to 1st credit and connaught saying that we not talking to them and referred them to their client (Santander).

The CCA has still not appeared, and we have this week received a letter from Wescot. some guidance is desperately needed.

I have attached the letter.

Thanks in advance FDAO

Wescot letter rcd 27.07.2010.pdf

I sent off the CCA request, we are waiting for the SAR to come back. We also wrote to Abbey saying that we are setting up the SO which we have, and wrote to 1st credit and connaught saying that we not talking to them and referred them to their client (Santander).

 

The CCA has still not appeared, and we have this week received a letter from Wescot. some guidance is desperately needed.

 

I have attached the letter.

 

 

Thanks in advance FDAO

OK FDAO

Ignor them, keep all the letters and envelopes they come in.

Don't speak with them on the telephone.

Send a very short letter informing them that you do not acknowledge any debt to them, refer the matter back to Santander.

Kind Regards

The Mould

Many thanks for your speedy response! I have attached a letter which I will send special delivery tomorrow. What concerns me is that they say they are acting for Santander? The first payment to them goes tomorrow, direct to Santander. So just a bit worried that this could get out of hand.

hello anyone out there who can give me some guidance on this.

feeling worried as it seems to be going on and on.

Letter 2 Wescot 29.07.2010[1].pdf

dx

in a nutshell, this is my partners debt, originally with Santander,

they passed to: 1st cedit then to connought,

we sent cca (its still not back)

(SAR has also gone - still waiting that info 2) and now we receiving correspondence from Wescot.

we wrote to santander (as advised) to advise that SO is set up (rcd no correspondence fro them yet).

we wrote to connought referring them back to Santander.

just not sure what do from here. can he be chased by all these DCA's?

and are they all related?

when did you send the CCA and to whom?

dx

5th July cca to connaught

SAR 8th juy to santander

right.........

stop paying anyone whom you might be concerning this debt.

you are on a phishing list.

it will get passed around as different fleechers try and con you into paying.

sadly you're mainly the reason why this is happening.

STOP answering the phone.

STOP writing any letters.

DCA's have NO LEGAL POWERS

there is NOTHING they can do to you bar send threat-o-grams.

they are NOT bailiffs.

the more you write or answer the phone to these leechers the more they will do it because they think they have found a mug who will pay up.

whatever you write to one DCA [lets say its a cca request] they will back off and forward your details onto the next DCA. they will NOT tell the next one that buys your debt, that it is infact unenforceable - else the next DCA will not buy ....get the game?

so........

cancel your payments.

don't answer the phone nor any letters.

sit tight and ride it out.

when the bundle comes back from your SAR [there is no rush]

start the process to reclaim all unlawful fees [over limit fees, late payment fees, mis-sold? PPI]

bookmark this thread and post again when you get your sar back.

stop panicing.

ignore them

there is NOWT they can do to you.

now one last question:

you say the card is santender [ex abbey]

who do you bank with? i'e where do you wages go?

dx

Mr Lloyd is who we with, but the mortgage is with Santnder - does that make a difference?

nope i was just checking if the nasty ones could off -set

your safe.

right sit back and wait

don't call, answer or write to anyone regarding this debt for now

cancel your payment

that will force them to show their cards [which they do not have any of]

dx

ok will do, but first standing order has already gone to santander, thougt it btter to pay something instead of nothing and direct to them instead of the dca. (will cancel it online)

no cca = no pay simples.

just as a side issue....did sant ask for this?

i know that sounds silly, but i cant see the reasoning behind it really.

how old is this debt?

when was the last time YOU used the card [paid in or brought on it]?

reading your many many many many posts i get the feeling this is two debts? [halifax and abbey?]

just trying to get things simple and concise, without some of the apparent rubbish that you've been advised to do.

dx

Halifax is me and sant is other half, I trying to sort it all out (dont find it easy its a big weight on me)

debt is over 3 years old, and sant not ask, I took some advice from caggers to set up a SO to sant and tell Connought to go back to their client that we not correspodning with them. paid big chunk last year but hadnt used card for 2 years at least.

when was the card taken out?

it poss might not be a bad idea to make a regular very small payment max £10 PCM by So , but i'd do no more.

i'm gonna guess that there's not CCA in existance & you unlawful charges far outweigh what is owed.

anyhow the night clubs are kicking out and i've got work to do.

stay calm and dont let these threat-o-grams worry you, they're toothless.

i'll keep a watch .

dx

thanx

fdao

Received another letter from westcot yesterday - will post it tomorrow.

Am getting worried about it now.

ok - here it is - another letter from Wescot, and still no CCA come back, nor a reply from Santander at all.

what next?

Again, I appreciate any responses and guidance I receive.

Wescot Letter Rcd 10.08.2010.pdf

total garbage - ignore them till they send a siged cca

dx

Do I chase the CCA?