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banksdomyheadin

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  1. Afternoon All, SCM Solictors and Lloyds TSB Credit card. I have a sealed consent order from 29th November 2010. I was up against "SCM Solicitors" in the County Court and I was ordered to pay £42.79 back for around 40 years, it works out! From when I first started sending this monthly sum of £42.79 (January 2011) I have never received any form of statement, am I entitled to see something? In the schedule in item 2 - It states "When the defendant is in the position to do so, he will contact the Claimant's Solicitors (SCM) with additional or increased monthly payments". I have never had any paperwork apart from the bank sort code and account number to pay to. I have cancelled the standing order due to go out next week. Should I receive an annual statement?
  2. Afternoon All,

    SCM Solictors and Lloyds TSB Credit card.

    I have a sealed consent order from 29th November 2010. I was up against "SCM Solicitors" in the County Court and I was ordered to pay £42.79 back for around 40 years, it works out!

    From when I first started sending this monthly sum of £42.79 (January 2011) I have never received any form of statement, am I entitled to see something? In the schedule in item 2 - It states "When the defendant is in the position to do so, he will contact the Claimant's Solicitors (SCM) with additional or increased monthly payments".

    I have never had any paperwork apart from the bank sort code and account number to pay to.

     

     

     

  3. Thanks Honeybee13 for re-opening. Please see attached 2 x letters received on Saturday from Capquest Not sure why they have given it to Intrum.....still waiting on my CCA request from Cap 1 , dRydens and Capquest? capquest2of2aug23 (1).pdf
  4. Hi sent the response off on May 4th - no reply to that yet. I did get a reply today from Drysdens, see attached along with a £1 Cheque from them, obviously cashed the postal order? They also sent me back my CCA request dated 4th April and that's it? drysdens cheque.pdf
  5. So just checking before I send off. I have ticked Box D in Section one and added in the claimant has failed to date to provide any paperwork despite previous requests to prove their claim. Then ticked Box I in section 4.and listed all the points as per your thread. I also attached copies of my CCA requests sent on April 4th to both Capquest and Drydens? No email details, no phone numbers, no signatures and just proof of posting.
  6. Morning All, Think I need to sort the PAPLOC this week with you, due back on 5th May?
  7. Always appreciate the support and help you guys give and does give people like me reassurance that we are not alone, thanks.
  8. Yes they have but the solicitors completely ignored it and sent the letter of claim instead?
  9. Afternoon All, I did send the CCA request to both Drysdens Solicitors and Capquest (now Arrow) both on April 4th. No response to the CCA request from Drysdens still apart from the letter of claim last week. However got this undated, flimsy response from Arrow in Glasgow today with my £1 postal order returned. arrowe response 24april23.pdf
  10. I sent both Drydens and Capquest a CCA request both first class on April 4th with proof of posting. This Monday (17th) I received this letter of claim dated 6th April. They obviously received and read my letters and gave this swift reply, including an Income & Exp form again. It looks like they are choosing to ignore my request? Do I wait another week for them to reply with my CCA request and then fill in BOX I on the reply form "I need more documents or information"? Document_2023-04-19_drydensff page1184934.pdf
  11. Thanks DX100UK no i haven’t moved in 25 years the reason Drydensfairfax are involved is because a few weeks ago I didn’t send in an income and expenditure form to Capquest. So Drydensfairfax have sent me a letter asking me to fill theirs in. I haven’t done that I have asked them and Capquest for a copy of the Cca.
  12. Hi London1971 thanks for your reply. My credit file is good these days, I understand all about the defaults I had many years ago ( I had 8 all around 2003-2006 ). I am on about now with them breaking GDPR rules and the impact these parasites had on my credit file all those years ago, wasn't right at that time but they got away with it. Anyway -Yes I will ignore calls, texts etc and will wait to see if they send in a claim.
  13. Evening All, A couple of questions below?? I had a Cap1 CC from 2003 and defaulted back in 2006. Wrongly, I have been paying them a £1/month, through Capquest. As I didn't fill in an I & E form this year, they asked me three times they have now passed me over to Drydensfairfax who sent me a letter last week(Friday) introducing themselves and said I had a week to fill in the I & E form (which I wouldn't do anyway). Today I sent a CCA request to both of them with the £1 PO. Whilst sending that I got a text off Dryden saying call or login to this link. I have ignored and reported that to ICO as I feel this is a breach of UK GDPR? Cap 1 & Capquest have had letters years ago saying not to contact me by phone & hadn't since in my eyes Capquest /Drydens have broke GDPR (I may be wrong?) I know I will be asked why on earth I started paying them a £1 a month all those years ago but I did, quite stupidly I know. Something I wanted to ask previously but haven't. If all these credit card companies did not have the correct CCA and they have defaulted people in the past .. .can they not be taken to task legally for ruining peoples credit files with defaults that should never have been defaults due to the CCA being wrong or not signed and this having a knock on affect to people's ability to gain better mortgage rates etc ? I expect Drydens to come back in their harassing form.
  14. Apologies Dx have read your post and will do thanks again
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