Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

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Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default Asking for house value? why?

    Hello,


    I have an unsecured loan (Lombard) from 1997


    due to major debts around that time arranged 10/month token payment.


    I borrowed 5k and have repaid 2500 so far.


    I offrered 3000 in 2007 when I sold my house and had a small balance to clear and they refused
    - they say the total of the loan with interest was 7500.

    I now have Arden contact me and on the income and expenditure form have asked for property value/mortgageicon outstanding etc.


    Does anybody know why they ask, my loan was unsecured?


    thx


  2. #2
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    Default Re: Asking for house value? why?

    DO NOT give them any pers financial details

    only a judge can demand that

    TBH: if this is for a loan in 1997 this looking like a cash cow exercise

    can you tell us a wee bit more of the history
    inc interest etc etc

    not got PPIicon too have you + unlawful charges to reclaim?

    have you the org agreement still?

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  3. #3
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    Default Re: Asking for house value? why?

    You do not have to provide that information nor fill in the I&E form. They may be going to try and secure the debt via a Charging Order tho' either voluntarily on your part or via a CCJ.

    Was there any PPIicon on this loan and have there been any unfair charges added which you can reclaim?

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  4. #4
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    Default Re: Asking for house value? why?

    Thanks dx and cerberus for your prompt replies.

    I didnt take PPIicon and if Im honest I was in a lot of financial trouble back then.


    I have been paying an agreed 10/m to various agencies over the last 6 or so years such as Wescot and now Ardern.


    Even though my situation has greatly improved I felt miffed when Lombard (via Wescot) didnt accept my lump sum offer
    even though I explained i would be 91 by the time it was repaid.

    Arderns most recent letter on the 27th June states I must reply in 7 days and that a fee may be charged on my account
    if they have to write or call again regarding outstanding payments which is why I was about to complete the I&E form.

    What happens if i refuse to fill in and what sort of charges arise if i dont/ thanks


  5. #5
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    Default Re: Asking for house value? why?

    Moved to the debt collectionicon forum.

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    Default Re: Asking for house value? why?

    Personally I would send a SARicon to the original creditor to see if you can reclaim any charges and to verify that the agreement is enforceable.

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  7. #7
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    Default Re: Asking for house value? why?

    yep something smells here.

    dx

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  8. #8
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    Default Re: Asking for house value? why?

    Thanks dx- not sure what you mean by something smells
    - it is a question on the Arden I&E statement namely what is my house worth and outstanding mortgageicon.
    It also asks me for any other assets I may have.

    I am sure that in all these years the interest was frozen for which I am very grateful
    - I originally dealt with a Debt Counselling service who arranged the 10 fee.


    I know I have the responsibility (legal and moral) to pay the debt however the "house value" question worries me and now also my wife.

    I can pay more to clear it quicker but feel angry Lombard refused my offer 4 years ago and I dont want to show my greater income.

    what would a SARicon achieve since it is Arden who have 'bought' the debt?


    thanks again


  9. #9
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    Default Re: Asking for house value? why?

    Hi mitch

    I wouldn't be sending a DCAicon my I&E..as previously advised this is an unsecured loan and they have no right to your personal information.

    They cannot charge you of they have to write again (or if they do you won't be paying it).

    A SARicon to the original creditor will give you, amongst other things, a full transation history and information to enable you to establish the exact status of the account prior to being passed on. From this it will be possible to establish an claim you may have for unlawful charges which can be claimed back.

    Be aware that the dca may be fleecing you so you would be wise to find out exactly what is going on and whether the figures are correct.

    Regards

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  10. #10
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    Default Re: Asking for house value? why?

    your CRAicon file should show that

    what i mean by something smells is the age of this deb

    my guess is that from the history of fleecers your list

    lombard wrote this off against tax years ago and the payments you have been making have just lined the pockets of the fleecers.

    DCAicon's HAVE NO LEGAL POWERS

    so please dont let them call the shots

    its your money - you decide where it goes NOT THEM.

    dx

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  11. #11
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    Default Re: Asking for house value? why?

    Thanks ims , your knowledge re the charges is a great relief to hear. I am still not sure why you think they may be 'fleecing' me , dx says it smells fishy or am I missing the blindingly obvious - dont they just want me to pay up? or is it something else?


  12. #12
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    Default Re: Asking for house value? why?

    sorry dx missed your post- understood now thanks ims and dx v much - i will try and get some sleep now. From reading other posts the advice you guys and the site gives is outstanding!!


  13. #13
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    Default Re: Asking for house value? why?

    If your a/c has been sold to a debt collectoricon they cannot add charges or interest unless it was expressly stipulated in your original agreement. DCAs are well known for trying to squeeze every last cent from a debtor whether they are entitled or not.

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  14. #14
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    Default Arden and Lombard

    Having had a threatening letter re solicitors I had to ring Arden last night (I know I know!). Your site gave me valuable info before I rang so I wouldnt be 'bullied'.

    I took a loan out with Lombard about 12 years ago and consolidated it (twice I think),
    I remember I may have taken PPIicon on the first or 2nd loan
    but due to promotion to management I ws paid for sick leave and think the last loan was without.

    She said the debt was sold to Ardern in November 2011 and I should have had a letter from both parties which I never received only 1 in 2010 saying Ardern were 'managing' the account.

    she will send ne a copy of the CCA for free in the post and I should address the SARicon request and the 10 to Ardern Complaints Department and not Lombard-
    she was ultra inquisitive as to what excatly I needed the SAR for and pressed me hard.

    She went on to say that if it was to check the PPI on the first loan I would only get info back regarding the 'final loan' and it wouldnt show the 'original' loan deatils.

    Any ideas as to why she was so interested in my SAR request and is she correct about only the final consolidation loan details being held?

    also should Lombard get the SAR request.

    I currently owe 4900 paying back 10/ m although they refused an offer of 3000 to settle about 4 years ago. Any help would be appreciated


  15. #15
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    Default Re: Arden and Lombard

    Hi I would ignore her instruction to send a SARicon to their
    complaints department you are not making a complaint
    and Arden will only have data from when the aquired the
    account and not right from the start.
    You should send the SAR to The Data Controller at Lombard
    by recorded delivery.


  16. #16
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    Default Re: Arden and Lombard

    get that SARicon off and get reclaiming

    dx

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  17. #17
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    Default Re: Arden and Lombard

    That is what I thought, Thank you both


  18. #18
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    Default Re: Arden and Lombard

    One last question now I have my 10 postal order.. the SARicon template states "Account/Ref number", as my final loan included two previous consolidated loans will Lombard send me everything from day 1 including my first ever loan even if I only have the Ref number of my final loan?


  19. #19
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    Default Re: Arden and Lombard

    The Request should state ALL data on ALL accounts
    consolidated or not.


  20. #20
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    Default Re: Arden and Lombard

    Latest Update:
    SARicon Request sent to Lombard

    however I was getting concerned I had not received copy of CCA in the post as promised by Arden.

    I have today received a statement from a company called Idem Servicing of my last 12 months payments (nominal 10/m). Balance now 4969.66.

    Anybody got a clue what has happened here?
    have Arden sold the debt on.?

    Was my request for CCA and SAR not to their liking?

    PS Idem are based in Solihull, coincidentally so were Arden and also Lombard



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