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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
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2007 Endeavour (HFC) secured loan - sold to Sancopia/moorgate now Idem - balance never reduces.


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Hi i am really struggling and hope that someone here can assist me !

 

I originally took out a secured loan with Endeavour finance in 2007 for £20k and have been paying it back since

 

it was then sold onto Moorgate/Sancopia with no written information provided to me ,

and from looking at the land registry sancopia registered a charge on the property in 2013,

 

despite years of payments my balance is just increasing and not decreasing .

i have previously made a SAR to moorgate and they have sent me a photocopy if my agreements with endeavour.

 

My question is this

how can i deal with this debt

i am no longer working as i am a carer for my mum who has dementia

 

this debt is taking over my life and its never reducing!

should i ask for a copy of my original agreement

or can anyone help me deal with debt in a better way?

 

any help would be appreciated

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Send endeavour an sar

Get all the statements

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...
Send endeavour an sar

Get all the statements

 

And did you take out PPI on this?

 

Who are you paying?

 

Have you been receiving statements of account aver year??

 

Did you acknowledge the claim? Did you defend it?

 

Have you moved since you took out the loan?

 

Wasted £10 sending a powerless DCA a SAR.

 

Moorgate, Sancopia are the same, well all of them are part of the Paragon Group .

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Hi sorry for going AWOL i have had a very tough time with my ill mum and hospital stays etc

, i have found an old copy of the loan papers and in response to the following

And did you take out PPI on this? NO

Who are you paying?

Its all got even more confusing

as recently idem servicing have started contacting me and they have reduced the debt to 16,516.05 when previously it was never decreasing.

 

 

They have also sent me a statement on request and it shows loan payments and charges etc since 2007-2017

my balance in 2015 was 16,157.69 and is just increasing

 

 

i cant get my head around whats happening.

now the loan has been passed onto idem servicing who are writing to me to advising me to pay them via payplan who they have partnered with.

Have you been receiving statements of account aver year?? no i have not received all statements i made a request and received some old ones

Did you acknowledge the claim? Did you defend it? there has been no claim

Have you moved since you took out the loan? yes i have moved over 9 years ago

 

what can anyone advise me to do in these circumstances where im being passed from one loan compnay to another and my debts not decreasing despite me paying!

 

i would really appreciate some help as all of my benefits are going on paying these loans

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I smell a cash cow here.

 

 

get an sar running to endeavour

get all the statement etc.

 

 

you keep saying loans?

so there's more than 1 you are paying.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi thanks for your fast response.

 

once I get a SAR request sent then what will that enable me to check?

 

I have copies of the loan agreement and some statements from 2007- 2015 which were sent to me last year ,would that be sufficient or do I need to do a SAR request.

 

yes when I refer to loans these are other unsecured debts I have sorry for any confusion

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can you scan up the paperwork you have please

to ONE multipage PDF

follow the upload

 

 

I would sent the sar and get ever piece of info from everwhere.

 

 

as for your other loans..hope you are not blindly paying DCA's on those

and if you are...have sent them a CCA request?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

I have attempted to follow upload instructions and hope this is correctly done so?

 

When searching through docs I see that my sister requested a SAR a while back, all the attached documents are what we have received from Moorgate when she did the SAR, the loan agreement is one we have kept from endeavour years ago.

 

This is all the information that was sent in that SAR.

 

as for your other loans I have requested documents and am utilising a debt management plan till I can tackle each debt.

 

Your help is greatly appreciated

 

Loan Agreement And Statements Private Info Deleted.compressed.pdf

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id still be getting an SAR off to HSBC cause we need the comms log as well as HSBC statements

something is not right esp around late 2008/9 interest payment appeared to double then.

 

then the sell off to Moorgate and the sell off to idem

smells badly

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I will send of an SAR today to HSBC and see what they come back with , not sure if its going to be any different to what I already have but will see. And update on here when its arrived

 

 

Thanks again

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you don't have the comms log /account log

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 1 year later...

Hi there... after practically a year of going back and forth and numerous complaints i have been sent some limited documents from HSBC which have been sent to my sister who is a joint person on the loan, could you please advise for further assistance will i need to updload all these documents? or given the time frame should i start a new post.

 

Thanks

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ONE multipage PDF only please!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the loan cant be fair not compliant

 

the interest per month is only £60ish less that the monthly payment.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

nor compliant. sorry.

 

was there a charge there from endeavour before the name got changed to Moorgate?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Hi

 

I am not sure if there was any charge before it was changed to moorgate this loan has changed so many companies's its hard to keep track,

how would i find this out and if there has been what does that mean?

Edited by dx100uk
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you can order a full copy of your deeds from the land registry site for £3 I think

make sure you use the .gov.uk site not a Sc@mmers fake site that charges more.

 

you need to get ahold of everything everyone holds on you

 

might pay you to go read the recent threads in the blemain forum too

certain loans are turning up as being possibly unenforceable

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • dx100uk changed the title to 2007 Endeavour (HFC) secured loan - sold to Sancopia/moorgate now Idem - balance never reduces.
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