Good morning all,

A quick running update this morning.

No correspondence from anyone, at all.

Re Eurodebt/Moneysave

Ive referred to ICO stating they haven't provided all the information asked for.

A couple of text messages from Cabot saying payment due and payment late.

That's it to date....

Good afternoon,

still no reply from Moneysave/Eurodebt,

an email from ICO today saying that in the absence of any communication regarding paperwork from around Nov 2006 onwards the ICO will now write to them querying why they haven't responded.

They will also ask them to respond to me and provide me with the information requested or confirm that they have provided all the information to which i am entitled....they have 28 days...

good moving fwd

Good morning,

A new year update..

.Eurodebt/Monaysave wrote on Monday saying they would provide details of F&F as requested during the week commencing 22nd January and also copy in the ICO,

I await...

Cabot still automatically phoning twice a day with recorded message which my phone helpfully cuts off half way through...other than that its quiet....

Good morning,

I have received some paperwork from Moneysave.

They have included a Moneysave Solutions Debt Management Plan terms of business which clearly isn't the original as when I started this they were called Eurodebt.

They added;

'I have provided details of the full and final settlement proposal for your Equidebt debt from 4/2/2011, 14/11/2011, 26/01/2012 and 15/5/2012.

these letters detail the fees involved and the proposed settlement balances negotiated.

These all require your confirmation and cooperation to proceed.

The fees are in line with the 5% quoted in your original Debt management Agreement.'

Firstly

I don't have a copy of the original agreement

just a copy of the application forms and no mention of F&F's is made on that.

Secondly

on the documents they have given me it quite clearly says

mail received

-F&F proposed by creditor

then immediately underneath;

Full and final accepted

- Creditor acceptance of F&F followed by

the balance,

the saving and

then the invoice which is 5% of the saving.

It still hasn't been made clear whether these fees have been paid out of my account,

I have never received nor sent any documents relating to full and final offers.

I have never been charged anything other than the agreed monthly sum,

I have never agreed to any F&F's

I'm a bit puzzled as to what is or has gone on?

Was the F&F accepted entry in the records just an acknowledgement that the letter had been received?

So off to the ICO and complain they are still being obstructive

By not sending:

Org agreement

Org t&c's

Dx

Morning dx, many thanks letter will go off tomorrow....

Good morning,

A reply from ICO yesterday..

'I note from your correspondence that you would like a copy of the original terms and conditions of the account, a copy of the original agreement and an explanation of whether or not the account has been settled.

The Data Protection Act 1998 provides individuals with a right to a copy of their own personal data, that is, information that identifies them as an individual. There is no obligation for a complete document or for an organisation to respond to questions.

Unfortunately there would be no obligation for Pentagon to provide the specific information you would like in response to your SAR.

You may find it beneficial to submit a request under the Consumer Credit Act (‘the CCA’) for a copy of the agreement, we would be unable to assist in this as it would be outside of our remit.'

To further update the correspondence from Cabot appears to have stopped along with the daily three or four recorded messages, nothing form anyone else present...

urm I didn't think a CCA request would be applicable to a DMC

but CCA request it is then.

Lovely, will be on its way today.....

Good morning again,

Quick question.. which section is this request pursuant to? 77, 78 or 79 as none seem to apply to debt management all shall I just apply all?

just put 77-79 let them work it out! if they can:lol:

Good morning,

Its been fairly quiet on the western front of late a couple of letters from Cabot saying to contact, they've been ignored. But a couple of weeks ago I had a letter from Cabot saying that they had asked someone called Resolvecall to 'put me back in contact' with them...which sounded ominous, they were going to send someone round to see me...oh really! thought I..

Anyway no one has been which is just as well, but I have now received two letters stating they are now acting for Cabot and offering to assist etc and then this morning two phone calls one to my mobile one to my home phone neither of which were answered...

I've looked through the threads here and established that yet again they appear to be trying to ride the gravy train so I'm going to ignore, is this the established response or do I need to take further action to prevent them from turning up on my doorstep?

Many thanks..

Resolve call ( ex Snotcall opps Scotcall) thell them to shut the gate on the way out, no powers just hoping commisiion agent. you know the typre never worked in their life doing real mens work just sat on fat asses!

I thought that may be the case...

I had a visit from Resolvecall this morning, didn't last long, but the little fella put a 'letter' through my door after I closed it which turned out to be a 'we called today' card which was nice..

I'm assuming I'll be getting more of these visits, I'm also assuming a polite 'no thanks' and shut the door is the required procedure?

Many thanks..

usually only one not heard of more visits (cost them monies to send silly little out of work morons)

Ah ok, thank you....