7 out of 10

Bump

My SAR arrived at the weekend. It includes my Application form and a huge sheaf of notes about my account but no CCA as far as I can see. Please tell me what my next move should be. I did tell CCCS that Homebase were adding interest and charges and I saw no point in carrying on paying them as my payment each month was a third of what they are adding on. I thought about writing to Homebase and telling them that last year I was on £30000 and I am now on 2 small pensions. I am not capable of holding down a job at the moment. I cannot get JSA because the amount of my pensions is too much. My basic living expenses are only just covered by my pensions. Following my husband's death last year, my Mother's descent into Dementia and trying to sort things out after a big house fire plus a prolonged recovery from surgery I have tried to return to work twice but just could not do it so I am at home now. I cannot make rational decisions at all as life seems such a pointless exercise and everything is a huge hurdle to overcome.

Would appreciate a comment on last post please.

Wrote back with copy of letter and received reply admitting that they were idiots. Well, didn't quite say that but that is what it read to me. Letter said thay had supplied me with what I needed which they hadn't. Strangely, letters from Homebase now arrived weekly with charges and interest. Sent SAR 2 weeks ago and...by return got a default notice. Now, am I being cynical or do you think they are desperately trying to move this debt onto a debt collector before the 40+2 days are up and they are in default because they have either lost all my info or they know they can't produce my CCA at all? Please tell me I am right and not just hopeful.

Sorry Saintly 1.I am stupid at the moment. There is a copy of the letter on post 186 which Scarlet Pimpernel added to for me.

Letter from Phillips Cohen which is an exact copy of the one I received last year #106 about my late husband's Littlewoods account. To say I am upset is an understatement. I thought I had seen them off with the letter from JonCris. It is a year this month since my husband died in tragic circumstances and I am finding it very difficult a the moment. Should I just send a copy of the letter that I sent last time? Thanks

Well, I do have a crossbow in the shed that my husband bought just before he died. And I have just learnt how to use the circular saw so they had better be afraid

Thanks steven4064. I will do that. Stupid letter from Homebase today. I acknowledge your request for a copy of your Credit Agreeement, however this service requires a fee of £1." I have a letter from Jan 08 acknowledging receipt of my £1 fee for the CCA!!! Should I just write back with a copy of this letter and tell them they are idiots or ignore it? As previously posted, I have already written to Homebase to tell them that the documents they sent to me following my CCA request in Nov 08 are unenforceable.

BLS have written to say that Lloyds refuse my F&F offer. Also says: "In the meantime, monthly payments to the account should continue to prevent the possibility of legal action. Altenatively, our clients Lloyds TSB may consider a personal visit by one of its other agents" Don't think I'll lose any sleep over it because it's their loss as they will have to wait years to get money at eh rate I'm paying. Never mind I shouldn't be paying tehm anyway as they have not produced a CCA and the account has been in dispute since Nov 2008. And what on earth "one of it's other agents" could be, I cannot imagine. Sounds like someone from "Men in Black"

bump

Today, letter received from Ellie Renshaw. As I've already explaned, in accordance with Sec78 of the CCA1974,And the Consumer Credit (Cancellation Notices and Copy Documents) Regs 1983, we've provided you with a copy of your original agreement, and if any terms have been varied, then the copy will include teh updated terms. In Addition, your personal details, the signature box, signature and date of signature were omitted from the copy as permitted under Reg 3 of the Consumer Credit (Cancellation Notices and Copy Documents) Reg 1983. You clearly have a valid and enforceable credit and enforceable agreement as evidenced by the documents sent to you and any claim to the contrary will be strongly defended. Your account remains in default and the balance currently due is £xxxx Then a load about me consenting to them processing my data and credit reference agencies We will continue to pursue the outstanding debt and will defend any application you may wish to bring against us. Financial regs require me to advise you that this is my final response etc Could someone advise me what my response will be? I will have a scout around the site as well to see if anyone is in a similar situation.

Bump

Thanks for that. In the past, before I entered into the DMP via CCCS, charges had been applied but I have not sent a SAR before so don't know how much. So would it be worth doing that first? If the charges are a big chunk, I am prepared to offer a F&F based on the actual amount owed. Due to my personal circumstances (still off sick and on half pay) it will take many years for me to clear this account. It seems strange that they have decided to start adding charges from the day my previous letter reached them.

My letter as outlined by steven4064 was delivered and signed for on April 30. I have electronic proof of delivery. Today a letter has been delivered from Homebase dated May 5 demanding arrears and stating that any further reminders will incur a £12 charge. I presume they cannot read or prefer to ignore my last letter. Should I send an "Account in Dispute" letter now or just ignore it?