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Everything posted by aliensonline

  1. Hi I’ve got the SAR request back and have now had a chance to start looking at it – there must be getting on for 100 pages altogether! The main sections seem to be Screen shots Application details Customer information Comms Log Transaction Details Archived Comment Records Copies of correspondence The transaction details start in late 1999 and run up to ‘Charge off adjustment’ in April 2008. Could you help me with a couple of questions please: I can see late charges, the first one for £15 in Feb 2000, but I can’t see any reference to PPI, is there anything else I should be looking for? Is it worth claiming from 2000 and should I adjust the claim date because I haven’t been charged interest since they sold it off? I’ve got the simpler spreadsheet from consumerwiki to help with the interest calculation Many Thanks
  2. Only was paying them after 3 ignored calls from them each month, so won't be doing that this month. I'll get SAR off on Monday Thanks again
  3. Many Thanks dx and Stigman. I have statements but only from 2005 to default in 2008. No PPI but late fees of £25 in 2005. Will write to Link telling them where to go and SAR MBNA then do some reading on reclaiming - does it matter if they are more than 6 years ago? Thanks again.
  4. I’ve just been reading this recent post on an MBNA CCA which got me looking at mine so I was hoping to get some advice. Summary: defaulted MBNA CC in about 2008, account passed on to Link Financial in 2009. Paid via a DMP until July 2013, since then paying Link directly, but it’s not on my credit file any more. Did a CCA request and got back the attached which I thought looked legit so carried on paying them. A couple of observations: The Credit Card Agreement on p7 has my present address (which I’ve blanked out), not the address when I took the card out and has £12 default charges on p8 so can’t be the original one from 1999. Does that have some implications? Unlike B733's mine has conditions 1 and 2 but on page 4 the Ts&Cs say “Please refer to your Credit Agreement for conditions 8 and 9” but if the agreement is not the original one how will conditions 8 and 9 be the same? Would someone kindly cast an eye over what they’ve sent and offer advice? It's long and I do appreciate anyone taking a look. I haven't done an SAR yet but that would be my next step. Many Thanks
  5. Thanks for the quick reply dx. Never did SAR HFC, I kept a close watch on the loan and never saw anything added on. I can't remember the card it paid off though, and don't seem to have kept records of it. But my signature is nowhere on the recon CCA though
  6. Well finally Moorgate have sent me a reconstituted CCA relating to the HFC loan. (Summary: 2004 loan to pay off a CC, defaulted in about 2007, no longer on credit file, but paying via a DMP until July 2013.) Would someone kindly cast an eye over what they’ve sent so that I know whether I have to start paying them something? I have my own original (which I could scan as it’s more legible). They look identical, only differences I can see are: Dealer Code is a different number; Under “Comprising” the “Amount to discharge your existing indebtedness” is £0.00 on mine and “Balance to you” is £6,204.00 i.e. the other way around; And of course my own is signed. Many Thanks in advance for any ideas
  7. Thanks all for your replies and looking over the agreement – some of the text is unreadable, even on what Apex has sent me. I’ll send off a letter on Monday to say not complied with. By the way, I did receive a default notice back in 2008. Thanks
  8. Hi, thanks folks, dx: letter from Apex in November 2008 saying that they had bought the account. It used to show on Noddle as defaulted, but no longer. Is it worth finding out what other reference agencies have? stig: so I'm thinking my plan now is continue to ignore phone calls from Apex and if they write asking me to pay them, tell them they haven't fulfilled the CCA request yet because they didn't supply the T&Cs. Is that reasonable? Thanks again.
  9. Hi Stigman, I have the Terms & Conditions from when I originally opened the account, but I've uploaded everything that Apex has sent me now, except for a copy of a bank statement I provided Abbey with in 2006. Abbey originally sent me a Customer copy of the scanned agreement that I posted. That was very similar - it didn't have the signature section, but in the Right to Cancel box said where to write or telephone etc. Many Thanks
  10. Thanks for the quick reply. The last direct payment we made was in August 2007 but then had a DMP set up with Abacus. That ran from September 2007 until July 2013 which was when I sent out the CCA request, cancelled with Abacus and stopped payments awaiting a response. This account isn't on my Noddle credit report any more. Thanks
  11. Dear CAGers, In July last year (2013) I sent out a CCA request to Apex Credit Management and all I had back was a letter to say they would work on it. Then last week to my surprise (10 months later!) they sent a copy of the CCA. Now I’ve started to get a few calls a day from them (I haven’t answered any though). Would someone kindly cast an eye over what they’ve sent so that I know whether I have to start paying them something, or suggest any ideas? Many Thanks
  12. Quick update, Moorgate have at last sent a letter to say they can't send me the CCA as requested, because HFC hasn't supplied them with one! Arden meanwhile continue to try calling me and have just sent a letter to say they have appointed Resolvecall "to attend your property". Any thoughts whether I should ignore, or write to them again? Also, is there advice on what I should do/say if someone does visit? Many Thanks, J
  13. Many Thanks dx for your reassuring reply, I've gone with ignoring them. Managed to dig out my agreement and (sadly) its crossed No! Interestingly also came across an HFC letter from 2010 offering us a 65% discount for a one off settlement back then! Thanks again
  14. Hi, I’m seeking some advice on dealing with Arden Credit Management. It relates to a loan from HFC bank which was in a DMP. After CAG advice last summer (not enough posts to insert a link to it) HFC Loan, started in September 2004 still with them £3,800 outstanding. I sent a CCA request to HFC in July 2013, but never heard anything back from them and consequently stopped paying them. At some point HSBC took over the account more directly, but apart from a few texts saying call this number, I heard nothing from them. Since then: October 2013 Letter from HSBC saying that account number so-and-so has been sold by HSBC to Britannica Recoveries. Letter from Britannica Recoveries SARL to say that they have purchased it and that Moorgate Loan Servicing Ltd will be administering the account on their behalf. December 2013 Default Notice from Moorgate asking me to pay or they’ll terminate the loan agreement Early January 2014 Moorgate letter terminating loan agreement I then sent Moorgate the ‘Letter for a Failed CCA Request’ from the library telling them I’d made a CCA request to HFC in July 2013 and not received a response. Mid January Moorgate letter saying that they have appointed Arden Credit Management Late Jan Arden letter saying that they have been instructed by Moorgate I then sent Arden the same library letter I’d sent to Moorgate Mid February Arden letter saying non-payment is not acceptable and they might send someone around and start legal action. These two letters are the only communication I’ve initiated since the CCA request and I’m tempted to continue to otherwise ignore them. However they call my mobile most days – I’ve had 19 calls and 13 texts since 29th January. I always ignore them (but it’s irritating if my phone starts vibrating when I’m trying to teach which is what I do for a living). Also I’d hate for them to really send someone around when it’s my wife at home most of the time and I know she’d be upset. Should I continue to ignore and hope they go away? I’ve looked at my report on Noddle and the account is no longer there. Is there any chance they’ll stop? Or should I send a new CCA request, recorded delivery (to Arden or Moorgate?) Or send the Harassment and Doorstep-Visit Letter? As ever many thanks in advance for your time and advice.
  15. A quick update: Link has sent me a copy of my signed MBNA credit card application form from 1999. Thanks, J
  16. It has now reached the 12+2 days (I posted the letters on 02/07/13) and here are the responses: 1. Apex wrote on 04/07/13 "Thank you for your letter, in which you have requested all documentation under the Consumer Credit Act 1974 (the Act) with regards to your above noted account. We can confirm that your request is being processed and your account will be placed on hold pending its fulfilment. We will write to you again with an update of our progress or on completion of the required documentation being supplied in line with the Act. Yours sincerely ..." Nothing since. 2. Link: no response 3. Fredrickson wrote on 15/7/13: "We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that we have placed the account on hold." Followed by a letter from Cabot (I didn't know they were involved): "Thank you for your request for information under the Consumer Credit Act 1974. Cabot Financial currently does not have this information on file However, we have requested the relevant information under section 77 and/or 78 of the Consumer Credit Act 1974 from the original lender. We anticipate that we will be able to provide this information within 40 days. In the event we are unlikely to obtain this information within those time limits, we will write to you again." 4. HFC: no response. So I'll stop paying and hope that they don't find the agreements. Any views and comments very welcome. Many Thanks, J
  17. Many Thanks folks, Guess I'll send off the requests and wait and see!
  18. Thanks for the quick reply, Unfortunately it's spent, got to the stage of using one to pay off another and it quickly mounted up. Some is in our house, but we bought just before the slump and it hasn't gone up much. Also I work in the public sector and like many have had no pay rise for most of the last five years. Thanks again, J
  19. Hi, I don’t ever remember joining CAG but stumbled upon it again recently – wish I’d known about it years ago, the information and support I’ve seen here are amazing. I’m looking for some debt and DMP help, and would really appreciate people’s ideas and advice on my position. It’s grown pretty long but wanted to get down everything, so to anyone who reads it all a BIG THANKS! I have had a DMP since 2007 and would like to get these debts cleared off because they’re such a drain, but haven’t been able to contribute that much so the total is still big. I did try for an IVA originally, but that was rejected in June 2007, if it had gone ahead I’d be sorted by now. These are the details: 1. Abbey Loan, started in September 2006, now with Apex £25,000 outstanding. 2. MBNA Credit Card, opened in 1999, now with Link Financial £13,500 outstanding. 3. Co-op Credit Card, opened in 1989, now with Frederickson £10,200 outstanding. 4. HFC Loan, started in September 2004 still with them £3,800 outstanding. 5. Unsecured loan with NRAM, about £13,000 outstanding. Our mortgage was taken out in 2006 with Northern Rock, now with NRAM, and includes this unsecured part. They’ve stopped the interest on this part, but I’ve tried to keep up the full payments separate from the DMP because I was worried about its association with our mortgage. The Co-op CC has now come off my credit report, the others are due to by about May 2014, (except NRAM which is not listed as defaulted but a month in arrears) so that’s starting to improve. I haven’t paid for PPI on any of them. Here are a few questions. A. Abbey gave us a £25,000 loan but applied all of the interest right at the start instead of on an annual basis, making the initial balance £31685. So even though I’d paid £2,400 the default amount was £29,038. I haven’t seen this way of applying the interest before and if it had been applied monthly or annually I’d have defaulted on less. Is there anything I can do about this, like claim back interest that applied after the default? They didn’t apply any other charges. B. Is there any possibility of reclaiming any interest (on purchases) that is applied before the creditors accept a repayment offer and freeze interest? I’m not exactly sure when that officially happened, but the Co-op CC appears to have stopped after November 2007 and MBNA CC after December 2007. However the IVA application for example was in June 2007 and between then and November there was thousands in interest on the two CCs. Is there any possibility of reclaiming any of that extra interest? C. Because I stopped making minimum payments MBNA and Co-op started charging late fees at £12 per month and then when the balance went over limit due to the accruing interest, overlimit fees of £12 per month started. Total fees are about £100 each. Am I right in thinking it may be possible to get these refunded? (Although they are drops in the ocean!) D. I’ve read of people applying to see the original, signed CA. Some of mine were taken out a long time ago so they may not be able to produce the CA. Have I anything to lose by requesting them and if they can’t what does that mean for me? E. Many of these questions are a bit hopeful really, it’s just that I haven’t been able to save anything for a full and final payment and I worked out it would take another 27 years to repay all of these at the current rate! So really the main thing is any advice/ideas on anything I can do to avoid being saddled with these debts forever? Thank you for reading all this. It’s a lot, but I wanted to get all the important stuff in together. Many, many thanks in advance for your time and advice. J
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