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Everything posted by mkb

  1. Thanks again, DX CCA & CPR requests posted today. Told him to get proof of posting & send first class. Will do MCOL when he comes back. If I'm honest, he probably wouldn't have the fight for an irresponsible lending case. I mentioned a DRO to him & he seemed quite interested in that - it would take the pressure off him but I made sure he knows he has to deal with this first.
  2. He's gone back home to get his wife up & dressed but he remembers making the £2 payments by standing order years ago. He has absolutely no recollection of any 39p payments ! He won't phone from his house because he doesn't want his wife getting stressed but he'll be able to phone when he comes back round to me. He's going to ask his bank for copies of his bank statements for the period 2012 - 2015 so he'll be able to confirm/deny with evidence.
  3. Credit file shows nothing other than below Interesting to see two Defaults were recorded yet no letters of Default have been received. He rang PRA to ask for last payment date. They said there was a payment on 12/06/2014 for 39 pence but that there had also been payments of £2 also in 2014. He got them to email me a copy of the payment schedule from 2011 showing erratic payments of sums he has no recollection of making. He acknowledges he was trying to make payment but categorically denies making payments of 39p a month at any time. I guess since he admits to making th
  4. I'll tell him to ring Prov in the morning. He doesn't have any paperwork earlier than 2017 - he says he binned most of the letters. He feels fairly sure he hasn't paid anything since giving up work in 2010 but can't prove it. I'll get him to check his credit file when he gets round here in the morning. Hopefully it's SB & all this can then go away.
  5. Thanks DX Been reading the SB defence letter to DCAs. Should he use the same letter to the OC via the N1 ? Is there anything else he needs to do in the meantime other than to ask for CCA & CPR 31.14 ?
  6. Just been on the phone to him & he doesn't think he's paid anything toward this debt since 2010 so it seems to me that they are out of time & the debt should be SB. Since a SAR would take him over the 33 day limit, what can he do ?
  7. Name of the Claimant ?PRA Group (UK) Limited Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 26/10/2018 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 28/11/2018 ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days
  8. Well quite but it proves how they need checking on & how knowing one's rights under the law, aided by the knowledgeable folks at CAG, is enormously helpful in putting the case to them
  9. LOL, postie's just delivered & there's a letter from Prov ! It's just a letter setting out how their complaints process works but at least it confirms my letter has been received. Will update thread as & when my complaint gets dealt with in case it helps anybody else in a similar situation.
  10. Thanks dx but if I have no proof of delivery, surely Prov will keep on doing nothing but supplying Experian with incorrect information. Are you saying just wait the 28 days then slam a complaint into the ICO, citing s7 Interpretation Act ?
  11. Hi I feel as if I should know how to do this by myself but age is catching up with me & the brain's not as sharp as it once was so any help will be greatly appreciated. I went bankrupt in 2010 & was discharged in 2011. When checking my credit file with Equifax - all ok but Experian have a default with Provident marked against me, dated 2011 ! Prov were definitely included in the BR & I know they are wrong to have marked the default after the date of the BR so I wrote to them demanding they rectify the information they provide to Experian, posted recorded deliver
  12. Seen the news & wanted to say thanks for the help you offered when my financial life was in a mess. The advice & suggestions of CB (as well as Ellen & AndyOrch) have helped me enormously & I know for sure I'm not alone in that. CAG is losing a gem but all the best for the future CB
  13. Risking your home for the sake of £1800 is madness. Arrange an affordable payment plan with the water company, set up a standing order to pay it on time each month & move on with your life.
  14. Have you applied for DLA ? If not, it sounds as though you should. You have met the qualifying period so if I were you, I'd get the form in & start the ball rolling. The extra money each month makes a huge difference.
  15. I read it as the OP has been asking for a letter but think a request from the employer would have a different, and better, effect - sorry if I'm wrong but that's how I read it.
  16. I have absolutely no complaints about the NHS & the way it has met the needs of my family. I have a degenerative, disabling disorder of my spine. To get a diagnosis I had consultations with my GP who referred me to the hospital. An orthopaedic surgeon ordered MRI scans, x-rays & courses of physio. He then referred me to a rheumatologist who prescribed me appropriate medication & instruction to my GP to continue/amend medication as my condition dictated. I also have emphysema & again my GP referred me to a consultant in respiratory disease. He ordered lung function tes
  17. Can't your employers write to the Consultant for his opinion ? I think that's usually how these things work (well, it was when I needed to get expert opinion on my medical problems but practices may have changed since)
  18. Why not post up a copy of the letter you have received then that way everyone will be able to see exactly what has been said ? Delete your personal information & case ref before posting it though.
  19. Some, like his Barclaycard, were signed up for online so will have electronic sig, others haven't produced a CCA at all. Those with no CCA are not being paid at all & the enforceable ones are being paid at an agreed rate, well below the due sum but each one is registered as in default.
  20. My OH has checked his credit file & found that an unpaid debt to a catalogue company for £270 has been registered as a default on 01/02/14 despite having not made payment at all since 2009. Balance history Hide details Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec 2014 270 270 2013 270 270 270 270 270 270 270 270 270 270 270 270 2012 270 270 270 270 270 270 270 270 270 270 270 270
  21. Ok evidence. I said: Benefit cap maximum of £500 - easily found on govt website but the Turn2Us (a recognised national charity) website explains what's covered & what isn't. Here's Shelter's take on it to show that Turn2Us are relaying facts, not political spin: Labour Market Surveys are released every month. There you can download the Claimant Count statistics dating back to 1986. Walk down any high street or shopping centre & ask the TV retailers. Even second hand places like Cash Converters rarely stock them. No verifiable e
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