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pete263

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  1. By the way, I also have a copy of the agreement for the credit card and PPI is included in it, is it worth my while contacting the original creditor about this or should it be LINK? I didnt have the card for very long so cant imagine Id be owed very much.
  2. Thats true dx and I'll keep that in mind Going to try it re: ericsbrother and see how I get on.. ... I'll keep you's posted and let you know how it plays out. Just finished the letter asking for the breakdown so that'll get the ball rolling. Cheers for the advice everyone, it IS appreciated.
  3. Cheers Id be tempted to stop but couldnt handle the doorstep hassle from them, can they not chase it through courts etc or screw up credit file if payments stopped? Yes still in Northern Ireland dx, most of the english dca's have agents acting on their behalf over here as well ;(
  4. Thanks so much for your answer, its a weight off my mind. Found the exact figures for the debt and the current account was £417, the credit card £661 so on the current account there has been nearly £800 interest. The SAR is pretty unitelligible as you mentioned, no explanatory texts or anything, just a bunch of codes and figures really. By the way, I had PPI and insurance on the credit card so I dont know why it was never settled through the insurance. The bank never sent me annual statements and the new demand from Link only has a total figure, no breakdown at all. I'll follow your advice now and firstly ask link for a breakdown and SAR the bank, should I offer to pay Link the £1 per month immediatly or wait until they give me a breakdown? Also, when I get the SAR back how do I know what charges are unlawful? Thanks for your patience and for the advice
  5. Thanks for the reply, I have a Subject access request from October 2014 from them ( a friend at the time was advising me on financial matters) and I can find nothing in the notes regarding interest or charges being frozen. To be honest I cant make much sense of them as its a printout of 150 so pages titled CACS report, I did find the name of the person from the CAB who dealt with this back then but after ringing them she no longer works for the CAB. Should I request another SAR? Sorry if I seem a bit confused but my illness makes it very difficult to process information at times. If worst comes to the worst what is my best course of action for resolving this, CCA the credit card and token payment for the current account? Thanks again.
  6. Hi, In 2005 I developed long term illness and had to give up working. To cut a long story short I owed my bank (First Trust) approx £300 (I cant remember the exact figure) for a couple of direct debits that came out of my current account at the time. I also had a credit card (again with First Trust) and the balance on that was approx £600. I contacted the local Citizens Advice, got a payment plan set up with a token payment of £1 per month for the current account and credit card. ( I have paid every month ever since) At the time the Bank agreed to charge no interest on either the credit card or current account, although sadly I do not have this in writing anywere. The bank has now sold the debt onto Asset Link Capital and I have had a letter from them asking me to setup a payment plan with them but the £300 current account debt has now grown into a £1100+ debt! Its obvious the bank has been charging interest on this account all along. Interestingly, the credit card debt has not had any interest added to it. Im at a total loss as to what to do about it and would be very grateful for any help. I do not mind paying off genuine debt that Im responsible for but to charge that amount of interest is criminal. PS. After reading through some other cases is it feasible for me to request a CCA for the Credit card debt and I dont think a CCA would help with a current account? Thanks in advance.
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