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JP08

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  1. Hi Is there anone that can help me on this please? I am not sure what to do next Thanks JP08
  2. That woman has called again at my home. My son just called and she did say she was from HFC Bank this time and to get me to call her. Should I?
  3. Hi Sorry to keep pestering, but I need to know what to do? I am also worried that even though they have the account balance as zero if they could try and get this £102,527.55? at some point or am I worrying for nothing? I would like to get this charge off my property as well, and seeing as they do not it would appear have an original copy of the agreement and just typed one up with an incorrect address how do I go about this? What can I say to the DCA as well seiing as they did not produce a copy of a deed of assignement either
  4. :confused:Hi is anyone able to help me on this? has anyone else had a supposed copy of an origjnal agreement with the wrong address on before? I need some advice on what to do next? Thanks
  5. Hi Is there anyone that can help me with my last 4 inserts please? Thanks JP08
  6. I forgot to say, even though I asked about the charge and to confirm that they no longer had an interest in the charge on my property they did not mention it all in the covering letter or about selling the debt on. That was just on the database bumpf.
  7. Hi Ok, Today I received some bumpf in relation to my S.A.R. request to the bank. 1) copy of suggested original agreement they have sent me firstly it says Beneficial Finance at the top of the page and at the bottom HFC Bank trading as Beneficial Finance at the bottom. I do not recognise that name and all correspondence I received previously had HFC Bank; I don;t think they had been taken over by HSBC at this time. I have tried to google when they started trading under this name and keep seeing that HSBC took HFC over in March 2003. But not sure how Benefical Finance comes in to it? Does anyone know? 2) they seem to have written an address on the agreement that I have never lived at. It also states "Unregulated Homeowner Loan agreement (Repayment)" It also says "As a security for the repayment of your total indebtednes under the agreement to us you agree to charge the property by way of legal mortgate to us (Standard Security) You hereby authorise us to deduct from the loan and pay as indicated the sum of £3,793.12 to the specified payees? (Don't know what this means.) 3)There are no signatures at all. The T's & C's are also Beneficial Finance t's & C's. The original charge order that I have does not say anything at all about Beneficial Finance. The information they had on their database also shows the address that they have put on the copy of agreement. ( the address they have me and my ex living at at the time of this debt, was an address that my ex moved to some ten years later when he was living with his new girlfriend.) The second page was updated to my address when I sent the S.A.R request. On reading through other bits it states that there was a charge off on the 23/06/1994 and the a/c balance was set at £0.00 and another entry that says it was sold to Hillesden Securites on the 14/04/03 (they started coming after me in January 2003) All the payments that I made to them were set against a balance of zero? on the 6/6/95 the interest rate was changed to zero as well a whole year after the a/c bal was set a zero? On the accrual display pages it states that on an original debt of £19,900 and that the interest due was £102,527.55? There was no copy of a deed of assignment, so I have not received a copy of that from either the bank now or the dca when I sent them a S.A.R last year. What should I do with this information? is the next question I need to ask you. Also what can I do about getting the charge off the property now that I have in writing albeit not a deed of assignment that the debt was sold also that the address is wrong in the first place? I must admit that I am rather confused now as to what has actually gone on with this debt. I would appreciate some advice Thanks in advance Regards JP08
  8. Hi Whoever this woman is she is persistant. She has called again 3 times, she spoke to my son and tried to get my works number and my mobile which he would not give her. She then asked him to call me and get me to call her back urgently. She said it is really important but she has still not revealed who she is working for. Eventually I dialled the number given late this evening to try and find out who the company is and it just rang out. (Not very professional not having a voicemail on) so I am still none the wiser. Any suggestions on what I should do? My instinct is to ignore the calls unless I inadvertantly answer it in the evening. I would appreciate some advice. Thanks Regards JP08
  9. Hi, I got home last night to a message on my answerphone asking me to call a lady who did not say where she was from. She left a number in Birmingham of which there is a branch of the bank, I sent the S.A.R. to Windsor (which I believe to still be the head office) She did not mention what it was about either, just please call her today? I think it is the bank as i googled it and found very similar number ranges. I have not called her, I dont when they do not say where they are from, but I need to be prepared if she calls again tonight. Do you think it is because they are trying to gain more time? the 7 day reminder for the S.A.R. is up on Thursday. Should I just keep on saying to put anything they want to say in writing? or should I say that the debt is now in dispute? I am not sure what I should do at this stage. Anyone had this before? Thanks Regards JP08
  10. Hi Saintly 1 Thank you for clearing that up, so the deadline is next Thursday then. I think they just ignored the S.A.R completley, so lets see if they do the same with this reminder. Thank you Saintly and Billy for your help on this matter, it is good to know there are people out there willing to help others in need. Regards JP08
  11. Hi Just checked on track and trace and it was delivered this morning, no signature available yet. Is the 7 days the same as the 40 days? or is it 7 working days? Thanks JP08
  12. Just sent it special delivery so they should get it tomorrow morning
  13. Hi All The 40 days were up yesterday and I have not had anything from the bank so I will send the reminder. I think I will send it by registered or special delivery rather than recorded. Another recorded letter I sent to cancel an account was never signed for. When I spoke to royal mail they said that Recorded delivery and 1st class post are not guarrenteed which is ridiculous if they are offering the service. I will keep you posted Thanks JP08
  14. Hi Billy Thank you for your encouragement. Still nothing yet in the post or by phone. Weird that it has gone so quiet. Still it is giving me time to get my Daughter ready for University as that is coming up soon. I will keep you updated Thanks JP08
  15. Hi Billy I have not had the dreaded letter from the DCA yet, maybe they are wondering why I never called them back after the cryptic message they left on my voicemail a couple of months back. The 40th day for the S.A.R. to the bank falls on the Bank holiday, do you have to allow another couple of days on top of that for them posting it to me?
  16. Hi Billy Just seen your update didn't notice it as I did not know we had got to another page yet. No I have not heard from the DCA either, albeit I suspect I will soon as I forgot about my payment it was due on Friday and I paid it in cash to their bank on Monday. I do suspect that I will get the letter stating they want the full amount by end of play on the same date they wrote the letter again, which is impossible. They then send it second class. Thank you for the link, I will have a read of it and thank you for your continued support. I need it. Regards JP08
  17. Hi I have not received anything from the bank yet about the S.A.R, but I did query with my previous solicitor about them sending that letter for the attention of the bank but with the DCA's postal address and the DCA responding as if it was addressed to them, to see what the response would be and I have copied it below. It is questionable whether XXXXXXXX did commit an offence under the Postal Services Act 2000 as the letter was sent to their address and the addressee's name was that of a bank from whom a debt apparently had been assigned (and I suspect yours is not the only one). I have still not had any proof it has been assigned or sold on to them, but this is the kind of response I have been getting all along, is this right? Could this be an argument that the DCA could put up, if I was to query them tampering with the Royal Mail? Thanks JP08
  18. Hi Saintly 1 I have sent this one to the Bank, they received and signed for it on the 17th of July and I have not had an acknowledgement that they have received it. I thought that they had to acknowledge it straight away? I have heard nothing from them at all yet. I Sent one to the DCA a year ago and they did not come up with anything other than a list of my payments and a screen print in txt talk of all the telephone conversations between us. I did leave this to the Financial ombudsman as they were dealing with my complaint at the time, however they just ignored it that no proof had been shown that they purchased the debt and the FOS just accepted it from them verbally by telephone. Thanks JP08
  19. Hi My S.A.R was signed for on the 17th as well, I have not heard anything since. It is 8 working days, should they have acknowledged this by now? I don't know if I have had any post today though. Regards JP08
  20. Hi Billy and theCteam Thank you for your updates. I have just checked the recorded delivery and it was delivered yesterday, just waiting for the POD to be made available on the web. I did think it was not right opening mail not addressed to you. I do like to have confirmation though. I think I am going to complain to my solicitor as well for not putting the correct address on it. I paid him for a service and he has just made things worse as they now have more information about me than they should have. I will wait for the SAR and then see what that says before writing to the DCA, I may have a lot more to say by then, when I S.A.R'd them they did not send me anything except a list of payments I made and a screen print out of Txt talk telephone conversations. I think they should have sent me a lot more than that. They have had 2 opportunities to prove that they own the debt now and failed twice. Thanks again for all your help. I will update as soon as I know something Regards JP08
  21. Hi Billy A bit of delay on the S.A.R. But rumaging through my paperwork for the address of the bank I found that the letter my solicitor sent for the attention of the bank actually had the address of the DCA. They opened it and replied, not to say that the address was wrong; but to give that 50% liability offer that they have since declined. isn't that illegal seeing as it was not addressed to them? Regards JP08 I will be sending the S.A.R. off today.
  22. Hi Billy Thank you for this, I will write to them tonight and see what comes out of it. Regards JP08
  23. Forgot to say, my last solicitor wrote to them explaining about my ex supposed to be paying this and that I had given them lots of information including addresses, telephone numbers over the years and asked about reducing the liability to 50% as I had never seen a penny of this money. This is when the DCA sent the vague letter about maybe reducing the liability, but now they know there is a charge on the house they want the lot.
  24. Hi Billy I have searched the house and I do not have a copy of the original Debt, I think my ex took that with him as he was supposed to be responsible for paying this debt whilst I sorted out all the rest of his mess. Which I have done over the years. The interest was frozen years ago. However, I have an unexecuted copy of the charge. It says "home Owner Legal charge. it is not dated nor is it signed by the Bank. I will have to write it down as i do not have access to a scanner. it says 1) This deed is supplemental to a home owner loan agreement ("the agreement") of even date and made between the person(s) (the Borrower") and the Bank. 2) The borrower as beneficial owner herby charges the property referred to above ("the property") by way of legal mortgage with payment to the bank of all monies ("the mortgage debt") which now are or shall at any time herinafter be owing to the bank 1) under the agreement 2) under any agreement which may be made between the borrower and the bank after the date herof and expressley provides that it is to be secured by this legal charge ("a future legal charge") and 3) Under the provision of this legal charge ("the legal charge") by way of further security for the said monies herby assigns unto the bank all that the beneficial interest of the borrower in the property and the proceeds of sale thereof to hold the same unto the bank absolutely provided that on redemption of the legal charge the bank will at the request of the borrower re-assign to the borrower such beneficial interest. Is this enough to say what type of charge it is? I do not know why they passed it to a debt collector either or maybe they have forgotten there was a charge on the house as well? They had never threatened court action for sale of the property whilst the debt was with them either. I hope this helps? Should I send a S.A.R to them now? I don't know if they will just send it on to the Debt collector the same as they have everything else I have sent them including solicitors letters. But I will give it a go. Thanks for listening and for your help so far. Regards JP08
  25. Hi Billy Thanks for your support When I took my ex to court about this debt, I was given a court order against him to pay me a sum of £300 a month by way of a maintenance order to pay this debt, This has never been actioned because I can't find him, I have to find him and give his new address tel number etc. The same with the CSA there is comittal proceedings, but again 18 years later we have to find him first. At the same time I had his name taken off of the house, The charge is still in joint names though as far as i know on the land registry and is for the original amount. It has never been changed according to my solicitor. Only my mortgage one is in my name only. Yes there is some equity but the way house prices are going at the moment, I do not know if that will be the case soon. The original legal charge agreement was in both names on the legal charge document, it does not state any amounts on that though.. I think I have a copy of the orginal agreement somewhere but I will have to find it out. On the entry from the credit ref agency it States Starting balance not supplied, Account holder start date 30/10/1990, Account end date 01/12/02 Repayment period 301 months. Date of delinquancy 01/06/02 deliquency balance £33530.00, Current balance £0 as of Jan 2003. The figure on the charge is also inaccurate as I have been paying all this time.This statement was produced in 2006, But I will request a revised copy to see what it says now. I will try and find out the copy of the agreement, if there is one I can't remember if I have one or not. regards JP08
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