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finaldj

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Posts posted by finaldj

  1. Hello I will scan the current documents in later tonight. I haven't replied yet as I sent the CCA off again with the pre action protocol letter and they have replied today.

     

    They are refusing to sending any documentation as they say they have sent me copies already relating to both accounts and now want to talk payment options or they may take it to court.

     

    The only documentation they sent that I will scan up later is related to Isme/Very account and was a 3 page T&C form and a copy of the digitally signed agreement form to the credit aggreement.

     

    Thats it nothing else was included. They never sent me anything relating to my littlewoods account. I did include both account numbers relating to the account but they appear to suggest they have sent me all information and they haven't.

     

    I'll scan up the exisiting documents they sent me tonight and follow on what you suggest from this point.

     

    Thanks

  2. Hello Bankfodder,

     

    You guys have helped me out loads in the past with multiple debts at least 30k worth of debts. Some of them are still out going semi regular letters and took no further action so far. a couple couldn't get the information from the CCA and not heard from them in 2 years I was with Stepchange put didn't find them that helpful it was you guys that suggested I went it on my own instead and it's been better since I did this.

     

    Lowell or now overdales as they passed the debt onto them have been the most persistant ones.

     

    I apologise with the (data processig error) it never crossed my mind to come here and ask for help with this I assumed it would be a debt regardless of the error they made. The excuse they used was that it was an error at the print department I just assumed to argue further when mistakes happen that I would have been just arguing for the sake of it when they admitted fault? but I will take note of this.

     

    So setting aside my other debts you've helped with these already in the past.

     

    These 2 debts relate to Very and Littlewoods I had accounts with both of these and they have been debts for maybe 3 or 4 years now. The total Debts for both are £4680 and Lowell took these debts on from another debt company in May 2020, they have since instructed Overdales to act on their behalf since around November 2020.

     

    Very  = £937

     

    Littlewoods = £3742

     

    I did a CCA to overdales after a LBC was sent to me this included both account details relating to the 2 debts so I asked for information from both accounts. As stated above they sent my information to the wrong person and this took a few months for them to investigate and sort out. They eventually June/July I think it was sent a cheque along with the a copy of the original documents relating to the CCA.

     

    The documents supplied had 3 pages of the T&C of the credit agreement and the document that had my digital signiture on, This was for the Very account (by which for some reason I had put myself down as a MRS) when I signed upto the credit agreement so not sure how I passed a credit check to get an account with them to start with unless it doesn't matter what you put as a title when doing a credit check as long as the rest match up?

     

    The information that was also on the LBC was for Littlewoods as well so the CCA was for both Very and Littlewoods.

     

    However they haven't sent anything relating to Littlewoods just them few scraps of documentation from Very.

     

    So I just ignored the documents they sent me and cashed the cheque.

     

    I have since 1/11/21 received another LBC from overdales giving me 30 days notice.

     

    I will send off another CCA for both Very and Littlewoods.

     

    What I want to know is what should they supply documentation wise to a CCA? other than the T&C and proof of signiture should there be a load of other documents sent with them as proof on their part?

     

    thanks

  3. I dealt with Overdales in February for 2 catalogue debts passed on from Lowell both debts are from the same company Very and Littlewoods they have put the 2 debts together for a total amount of £4680 but listed the 2 account numbers seperate. They sent a LBC back in February relating to these 2 accounts which I responded with a CCA request.

     

    I was then contacted mid March by a woman via facebook that lives 100+ miles away asking if I was the person in the letter she had received and a photo of the contents that came to her which had my name and address on it. It was all the details relating to the CCA request and they had put a copy of it in with documents relating to her as she had a debt with them.

     

    This took a few months to sort out and they investigated admitted fault and sent me a cheque for £200 by way of an apology. About July time they sent a fresh copy of the CCA request documents. However the documents they sent only related to Very or Isme as it was called back then and nothing relating to Littlewoods. I didn't do anything about this as some parts of the documentation seemed to be missing so just left it.

     

    On the 1/11/21 another LBC came through the post giving me 30 days notice which I will respond with another CCA this week.

     

    Just to clarify what they should send if they decided to go down the court route.

     

    The last CCA request documentation they sent me was only from Very and not Littlewoods which I requested as well. This documentation contained the T&C about 3 pages and the digital contract I signed (nothing else) is this enough what else should legally be with this??

     

    Not 100% sure how I got credit with Very the first time as when I applied I put (MRS) my first and last name but I am male they gave me credit anyway so on the credit agreement I noticed it was signed as (MRS) does this make a difference?

     

    They didn't send Littlewoods details last time I used both account numbers on the CCA forms but they missed this one out so I'll be sure to include both again this time.

     

    Again thank you for any input supplied.

     

     

  4. Just updating this,

     

    Moneyway still chasing us for the money, seems that G5 are the main problem, My wife had actually sent them the final fee weeks ago via email with a letter she has been given from moneyway.

     

    G5 needed permission to make a payment to clear the balance with Moneyway, wife called Moneyway and gave permission for them to pay. Didn't hear anything from this point till a few days ago Moneyway chasing us for the money.

     

    It appears G5 never made the payment. I left an average review on G5's site which triggered a response from them to call my wife and leave a message.

     

    We sent G5 another copy of the email with the attachment Monday. Got another call from Moneyway today asking why payment hasn't been paid yet so had to contact G5.

     

    The owner wasn't in so the MD dealt with it, wife explained everything was in the attachment sent in the email. when he checked he said there wasn't one there, then changed his mind and said the owner had opened it and hadn't seen that so just left it.

     

    G5 offered to pay by credit card but moneyway said they can't take a payment over the phone for that amount with a card. so they offered a cheque to them and they said they could only take a bank transfer.

     

    My wife has had to drive all the way down to the garage to try and sort it as the idiot seemed confused how to deal with a bank transfer so said he would need to leave it for the owner to deal with it tomorrow.

     

    We said what about writing a cheque out to us and we'll do the bank transfer once it goes in and they said they don't do that incase we spend the money instead of paying it.

     

    So it's still an on going ball ache with them at the moment. Wife has asked moneyway to revoke the failed payment on her credit report but they've passed it back onto G5 saying it's them that deal with that. which is nonsense as Moneyway have issued the failed payment notice to us.

     

    Thats another thing to chase up after all this is sorted.

  5. I've just spoken with G5, They asked me to email them across the details of the 2 cars as he wasn't at the desk.

     

    I've gone through the paper work that came with the new car. There is no sales paper work for either car to show purchase or trade in. There is a large number of documents for the new car from MOT to services as the car is a 63 plate so it's had a service every year I thought the paper work was in that but they haven't put it in. We do have the V5 for this car this new car though

     

    It doesn't matter about that as Zuto have made a number of phone calls to G5 waiting to release funds as we had to wait for something to be fixed on the car before driving it away so Zuto are aware as well what was happening.

  6. The finance we have got is for the full cost of what they were selling the car at plus interest over the 4 years we will be paying for it. so this other car was £6160 or £8000 altogether with the interest

     

    The old car had £2400 left outstanding finance we got £2500 for it trade in, this was so that we didn't need to go with a broker that did negative equity if the dealer gave us less. We had one payment of £186 to make to moneyway and that cleared the whole balance then. We have a letter to confirm this.

     

    My wife is going to chase this up with Zuto tomorrow and find out whats going on.

  7. Applied for finance for a car through Zuto last year, who used Moneyway as the finance company.

     

    Zuto have their own dealers across the country you can use to finance cars or go to your own dealer.

     

    We found a local dealer G5 cars about 4 miles away through Zutos own website and purchased  a car on finance for 4k last March C4 picasso VTR+. We have been making payments on the car no issues and it all went through at the time without complaint.

     

    Zuto came back to us this year and said would you like to upgrade your car and we had preapproved finance.

     

    We saw a car with the same dealer so went back to them and they offered us 2.5k for the car part ex which the rest of the finance was £2,400, we had to make one more payment to moneyway in June and did that and now have the new car and G5 currently have the old car up for sale now on their site for £3,460.

     

    We got a call from Moneyway last week saying we missed a DD payment and the DD had been stopped. Explained what had happend and who we spoke to last month in moneyway to find out the final costs of the car and what payment to make. They seemed ok with this and heard nothing till this weekend.

     

    They have sent a letter with a missed payment notice attached and asking for the £2586 for the cost of the car with missed payment costs added.

     

    My wife is going to chase this up again. Who is responsible for the costs of the car?

    should G5 have given us the £2,500 or would they have paid moneyway this money or zuto who are the broker?

    G5 work with Zuto and all the other finance companies

    I assume as a dealer they would have paid the car off to the finance company.

     

    Nobody has explained to us when handing the car over who pays the final bill?

  8. I've got a letter for a debt the wife owes a letter before claim.

     

    This is something to possibly offer a payment plan however I want to do a CCA request to them first.

     

    Do I direct the the CCA to the solicitors as the letter suggests that if we want to set a payment plan up we have to contact Lucas Credit Services.

     

    I'm guessing the letter before claim goes to the solicitors but lucas credit services is a different address. so do I just tick the box more time needed and send it back to them with a CCA request letter?

  9. I will be sending off the LBA forms on Monday.

     

    Just wanted to double check to make sure I'm getting this right I read on another forum that someone else posted about a LBA that when they ask for further documentation this is what they should ask for

     

    • A Copy of the written contract for the debt
    • A full statement of account, including details of all interest and charges on the outstanding balance of the debt explaining how theyve been calculated, and any payments already made towards the debt.
    • A calculation of interest claimed
    • The annual or daily rate of interest
    • A description of the nature and amount of any administration charges included in the debt.
    • A copy of Notice(s) of assignment(s)
    • A copy of the Default Notice

    The bits I showed you DX100 didn't have any of that just a copy of statements and some odd looking credit agreement so should I ask for the above listed as per the other forums suggestion?

     

    If I do suggest the CCA didn't have all information do I need to do a new CCA letter and send it in with the LBA or can I just write in the box provided?

     

    the LBA also asks for my name, date and signiture do I still stick to not putting my signiture down? just print my name still?

     

    If this did end up in court and I lost how does this usually go in terms of asking me for the whole amount in say 30 days notice or do the courts likely agree to a payment plan?

  10. Hi DX100

     

    The debt is related to a capital one CC for just over 1k

     

     the other day I posted up copies of the CCA they sent back, you had a look at them?

     

    I have had a look at the link for before claim.

     

    As above they sent documentation already for the CCA and the letter they have sent today has a letter attached detailing the debt how much it is with zero interest and fees. there is also the PAP form and a financial sheet.

     

    other than the CCA requested documents they sent last week it's just the above letters today.

     

    The link of letter before claim states they should have sent copies of everything inc the default notice they sent?

     

    do I still dispute the debt at this point or offer a form a payment now?

  11. Thanks for the reply back London.

     

    Just to follow up on PRA group and the threat of court they have sent me a letter today "Letter before claim"

     

    they've sent a pack with the letter that has some tick boxes that say things like, "I owe the debt" "I owe part of the debt" "I don't know whether I owe the debt"

     

    They have given me 30 days notice and they've also sent a financial sheet to fill in.

     

    The tick box form says I have 30 days to fill in the returns form if I dont it could result in court proceedings

     

    This is a new kind of letter I have seen from a debt company is this something I need to take action on now or continue to ignore?

     

    if need be I can upload picture of the written letter?

     

     

     

     

     

     

     

  12. I've had a pack delivered today from Intrum 8 months later responding further to my CCA request.

    They've included something similar to the last CCA request as above

    I'll upload some of the documentation tomorrow to cast your eyes on if you can please.

    I won't post all the credit agreement as it's 22 pages but I''ll show the relevant bits.

     

    2 things I'm wondering

    if a company produces a CCA are they more then likely to take court action?

    if just ignored knowing they have this as evidence?

     

    The other

    I've had a company sell a loan on but with interest

    it was double

    are they allowed to sell on the interest along with the original loan amount?

     

    Thanks

  13. Hi London,

     

    I got a letter from PRA group on the 5th June stating that they bought the account on the 23/5/2019 and have been trying to resolve the matter since then.


    Further down the letter it states that they have now passed the account to the investigation and litigation department to look at your outstanding debt and possible Litigation recovery.


    They gave me 30 days to contact them to resolve the matter or they would consider the next stage in putting me on notice for court proceedings.


    So I shot off a CCA request hence the top posts you've seen.

     

    The letter is signed their legal team/solicitor

     

    They have given me 10 days to respond to the CCA request they sent.

     

    DX100,

     

    I'm not familiar with the terms you use "pers i think arrows are flying a kite"

    am I right in thinking it's not a proper T&C agreement they have sent?

     

    it has my old address on it when I first took the card out and have moved another 2 addresses since then.


    Do I hang fire at this point and just ignore them or get in contact now and offer some form of monthly payments?

    Do you think at this stage they will probably start with court proceedings as per the letter dated 5th June or is that some made up scare tactics letter?

     

  14. Really? So the bit that says "additional information" this does not form part your credit agreement should form part of it?

     

    OR have I missed something? it looks legit to me but you'll know better.

     

    What should I do I this stage?

    the statement they have sent shows what has been spent on the card so look pretty legit would be hard to argue?

     

    Should I just ignore them,

     

    Offer an affordable payment

     

    or

     

    Wait and see if they take it to court and stand my ground there?

     

    I appreciate the help

     

    The right to cancel as shown in the PDF document is there but it's on an additional piece of paper should this look different?

     

    Does everything else I've shown look legit?

     

  15. Thanks for opening the thread.

     

    It's been a while since I updated this. So just a catch up.

     

    I had a number of debts some are still outstanding and just gone into default and handed over to LCS who as been trying to contact me.

     

    PRA group has 2 debts and had them since last year although they have only been emailing me they decided to start writing to me.

     

    The 2.5k debt I'm just getting emails at the moment.

     

    The capital one debt they threatend litigation in writing so I shot off a CCA request last week and they've come back with some information.

     

    A copy of the original agreement which has my first address on where I lived in 2010 and a list of statements dating back to 2010 - 2015 ending in 2015 when I got into debt with the card.

     

    They have given me 10 days to respond so at this stage should I offer a form of affordable month payments?

     

    The total debt is £1100

     

     

     

     

  16. I understand about protecting the work force but her work said she needed to send proof in by forwarding the text message onto them showing she was tested and what the result was. They also asked if I or anyone in the house was tested and what our results were for "track and trace" purposes.

     

    Now I wasn't tested anyway but I work for the NHS my ward manager wasn't bothered about me being tested and my wife came back negative after 24 hours anyway.

     

    I understand her work needing to inform those she's worked with that she's getting tested and they then have the option to have a test themselves which in theory they should have done. I just don't understand why they need to know my results if there is any it's not even relevent to them?

     

    It would be upto me to tell my ward manager and between me and my company?

     

    I'm not fussed in the sense I just told my wife to let them know I didn't get tested but how far do you go with Covid19 that even an employer you don't work for needs to know my business?

     

    This isn't just aimed at me this is a general question of how far do you go if for example I was round a mates house they got the "virus symptoms" they let there employer know and get tested and tell their boss the results the boss then says what was your mates results.

     

    Who has access to what information?

  17. Thanks for the links I have just had a quick look but they only seem to refer to an employer you work for rather than say me getting a covid test and my employer wanting to know anyone else in the house what their test results were.

     

    It might sound daft that she just has to let them know I didn't get it done or negative results so they know. But she has let them know her test result was negative and it should end there.

     

    I don't see why her work place should need to know what my results or anyone else for that matter that doesn't work for them?

  18. My 6 year old wasn't well the other day had 1 episode of being sick and a mild temperature of 37.5c. Wife let work know who told her its company policy for her to go get a Covid swab. which she did and got the results back as negative 24hours later. We know what is was it was the pizza she had then night before didn't agree with her and her temp was back down to 36.4 not long after. Now her employer is asking what the rest of the house olds Covid swabs were?

     

    I never bothered getting tested not that I needed to as I knew it wasn't Covid with her and being sick 9 hours before hand isn't going to show Covid results in that instance. But I work for the NHS and had a Antibody test this week that came back positive anyway as had C19 about 2 months ago.

     

    The point being that her work said they need to know for track and trace. So whether I had the test or not I don't see why they would need to know my results? As she came back negative anyway that should be enough. I just feel that surley an employer I don't even know or work for has to know my medical record?

  19. Looking for some advice,

     

    Me and the wife bought a car last year in April and I remember the dealer saying he would get the V5 sent off filled a slip out in the top right corner

     

    Skip till now the car is getting scrapped and just realised a new V5 never came through the post.

     

    It's been about 10 months.

     

    What should we do at this point ring the DVLA up and explain we never got one through the post or fill out a V62?. I've read about people getting fined but who is at fault her the dealer for not sending it off or us?

     

  20. Wish I had read the truspilot reviews first before he used ebuyer they are pretty bad at refunds to the point people have had to do a charge back on the card.

     

    No this is over 36 months with interest about £840 altogether. But he's using the TV set it up on the first day it came and was just assuming Ebuyer forgot to send the board and the first email back from them was they will look into it and get it sorted.

     

    Even to the point of offering another alternative board then took ages to sort that out just to say no. so the 14 days have already passed.

     

    I've never seen a situation like this where they have had to refund back to a finance company so not sure how it all works but can't do anything with Klarna atm because Ebuyer as messing about with the refund so as far as Klarna know there is no problems with the order.

     

    I'll as him to email them again see what they say as it's shut now for the weekend.

     

    Then take it further from there

     

  21. He wants to keep some of the order.

     

    Half of the order was a tv so the pc parts only came to around £320.

     

    He has a CPU and Ram just no motheboard to go with it and it's a Ryzen build so wanted a board that was Ryzen ready rather than getting a board that wouldn't work without a bios update.

     

    So he hung onto the parts he has while they were sorting it thinking it wouldn't be an issue but then it's turned into a bit of a hassle because it takes days for them sometimes to email back.

     

    He tried to call them but everytime he said there is like an hour  wait on the phone and the other day when he tried to call after being on hold 45mins they answered then hung up putting him back in another 30 min wait and he gave up.

     

    I think the issue now is he's keeping the parts he has which Ebuyer can refund Klarna the bits he doesn't have and that will adjust the payment terms (Looking at the Klarna site T&C)

     

    It's just waiting for Ebuyer to issue the refund which they seem to be messing around but in saying that I'm not sure what time frame they are allowed before you can start getting funny with them over it. I've read 30 days but this is on refunds of returned goods this is money they already have that needs to be returned to the finance company for goods not yet paid for which is £100.

  22. My stepson took out credit with Klarna finance to the tune of £700 on the 3rd February

     

    One of the parts ordered was a motherboard to go with some other pc parts that got delivered on the 10th February minus the motherboard.

     

    He emailed ebuyer to be told a load of crap.

    there was an error on the system for that board and for some reason couldn't order another one so offered a refund.

    He argued that finance had already been agreed and £700 was paid to them so in effect they had the money for the board and it was saying that 10+ was available on their site.

     

    After a couple of days and 7 enotes and a complaint on trust pilot it turns out they can't order a new board on the same account if one has already been ordered and failed it has to be refunded or paid for by another payment method.

     

    they offered a refund or another board same price or cheaper but not the same one.

    he found one cheaper and asked for that - to be told he can't have it as it's coming from the same wharehouse.

    they wanted their technical team to advise on another board direct from they're shop but he said they don't have any that are 100% compatabile with what he bought to go with it.

     

    he asked for a refund last thursday 13th February and chased this up on Monday 17th to be told it has been passed onto the refunds team and she will chase this up and will let him know when it's done.

     

    Its friday 22nd now and still no news of a refund going back to Klarna and since all this they've been sending emails and even an invoice from ebuyer the other day for the full amount of the payment terms.

     

    first payment comes out 18th March but Klarna said any issues with finance issues are dealt direct with Ebuyer.

     

    How long do you think he should wait that would be considered unreasonable for a refund?

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