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cfs_too

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  1. Hi, Maybe one of the more experienced members might know more details, but as I remember.... HSBC / First Direct for a period of time from 2007 onwards, combined loans and CC's into Current accounts so that it appeared the current account was £1000's overdrawn instead of having a current account & loan/cc account separate. There was much discussion on here about the errors of doing so as it removed some of the consumer rights under CCA 1975. I'm my experience they bundled a £8000 CC into a £300 o/d current account. At the time I challenged them, they told me to clear off! I thi
  2. Hi, Thanks for the info and links, I've also read a slightly different version....which may cover other ESA people too, to do with ESA 'income related top up'. I'll put a link here (hope it's allowed). The first part is a quote from the linked article. "There are two forms of ESA: income-related ESA and contribution-based ESA. The DWP error related to claimants who were placed on the latter form of the benefit only, when they may also have been entitled to the former. As a result they may have missed out on premium payments." https://samedifference1.com/2018/03/21/three-hun
  3. Hi dx, It's a bit complicated but I'll try to explain as simply as I can.... Several CC companies (to whom I owe money & am unable to pay due to disability), continue to contact me still, 10 years after I got into financial difficulty. They refuse to write off balance, and will not accept I do not have the funds to pay them. I was making token payments, but after many years of continued harassment did the CCA route, and decided not to pay the unenforceables. So, every now and again the CC 'recoveries' departments trigger the account to be sent to DCA's. The one ac
  4. I've just sent off (with the £10 postal order) a Formal DSAR request to 1st Crud. All info required to be supplied, including a signature was provided in my formal and detailed letter. I've just received one of their 'please fill out this 5 page form' before we are obliged to do anything, however I'm not happy with what they are requesting I provide. There is no way I am ever going to provide them a copy of my driving licence, or bank statements and I'm back on here for some advice. I've been completing DSAR requests for approx 10 years, and apart from (almost) starting legal act
  5. Hi, An easily solution for them is to secretly record the conversation each month when the money is handed over. The landlord doesn't need to know, and there's proof if you need it later. Best not to confront the landlord, as he'll most probably get them to move out. Me_too
  6. Hi dx, Oops, thanks dx, yes now I can see it is the 'card protection' and not PPI. Coincidently, PPI was also stopped around this time (when the account was effectively 'defaulted'), but not registered as such on the BC systems. I'm not sure if its actually BC IT systems which are at fault, as the account was clearly closed, as documented in the DSAR notes, the account was 'cancelled' as per the card protection letter, PPI stopped etc so it indicates the account was defaulted properly but not updated accurately on the BC IT systems. Im sure I read somewhere on her
  7. Hi Slick & thanks for the quick response, Re: ‘cancelled PPI letter’ - this letter is the only communication received from BC which confirmed the account had been closed. I have attached (i hope) a copy of the letter which references the account is ‘cancelled’, which arrived two months after the ‘expiry’ of the default notice & a copy of their internal notes which state the account has been closed by the collections department (attained under DSAR). They also withdrew credit facilities at this time - in 2006. BC have declined to default the account. My partner star
  8. Hi, It's a bit of a complicated issue, but I'll try to keep it concise. It's relating to my partners BC account, for which he put his head in the sand until 2014 as he assumed PayPlan had 'sorted it all out', since starting a DMP in mid 2006. I took over the issue in 2015, helping him, as we discovered BC failed to default the account in 2006 (and where still trashing his CRA files). The journey since has been frustrating to say the least.... ...I use 'I' in this context as I have been writing the letters etc on his behalf to try to get this sorted. I have a complain
  9. post deleted - didn;t realise &more card to start with, not chargecard etc Sorry me_too
  10. Hi Silverfox, Thanks for your prompt response, I got a little side tracked with a PIP Medical I did write to Tesco (Data Controller) got a response from Customer services, the response : "Whilst I appreciate you are unhappy this information can be viewed, this would not be a breach of data protection". Yes its the letter heading showing through the window. This letter is the third or fourth time, each time the heading shows and the address is NEVER in the correct place. I think they have major problems with the formatting of the letters, as the address is clearly printin
  11. Hi, I have a strange question, and hope someone familiar with debt collection procedures / DPA 1998 are able to assist. I am disabled, living with elderly parents. My father has never been in debt, and would absolutely freak out of he knew I still owed Tesco Bank a considerable amount of money. I am in comms with them regarding token payment on debt, its been over 10 years of intermittent token payments, DCAs etc but recently I keep receiving letters from their recoveries department but with the fact it is the recoveries department clearly showing on the front of the envelope.
  12. Hi Dx, Many thanks for prompt response. Me_too
  13. Hi, Just wondering if the OP had any luck sending CTAX statement instead of passport details etc? I have the same issue with NRAM requesting photo Id. Thanks me_too
  14. Hi, The more experienced members will be along with great advice later, however as I too had an RBS card from the 90's also converted to an MBNA card I've done some research on the credit agreements for these accounts I'm sure it's still applicable that pre 2007 a copy of original credit agreement is required for the owner if the debt to 'legally enforce' in court. (Can more experienced members confirm this). (That's IF they take you to court). I think MBNA didn't retain (or even attain when they purchased the accounts) copies of the credit agreements or terms &
  15. Hi all, I thought I'd do a quick update, incase there's anyone out there in the same situation. Well, 1st crud was sent CCA s77/78 in Nov 14, usual response 'waiting for M&S to provide CCA' blah blah. As I was concerned about legal action from 1st Crud I made 2 formal complaints, the latest being late 2015, asking them to either provide CCA or confirm not available & to refund payment. I received a bog standard response, 'we do not uphold your complaint etc', stating that a year is not unacceptable to wait for provision of s77/78!!! Moving forward to March 2016, I now
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