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Never trust banks again

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About Never trust banks again

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  1. The standing orders were left being paid until Egg returned the monies without any warning - card last payment was 09/12 and loan was 02/13. But I had continuously refuted the debt based on an unlawful agreement since 05/08 and never acknowledged any debt to (nor ever paid any monies to) Apex who claimed to take over the debt in 11/09. I had 2 debts with Egg at the time, credit card and loan and I challenged both. Apex claimed to have been assigned the debts but I never had any official notification from Egg when I challenged Apex, they didn't provide me with copies of the agreement within the specified timeframe - requested mid January, arrived 3rd week March 2010. So I ignored all their letters until Jul 2010 and Dec 2010 when I told them they wouldn't hear from me again. This latest lot of correspondence is from Cabot who have threatened all sorts of stuff so far but I have not responded and I just keep getting letters until this one saying they will send someone for a home visit....? I was going to send another CCA but is it worth it when Apex didn't hit the date they were supposed to? I was also going to send a letter stating that they are not permitted on my property without my express permission? Is it worth sending that one as well?
  2. Thanks for coming back to me dx100 - sorry I didn't mean to post in the wrong place. Even though I continued to pay after I thought I didn't have to pay them, the debts are still statute barred? Is this why they do not appear on my credit file?
  3. I have read this thread with interest. I have a strange situation with an old egg Credit Card which is detailed on another thread but my saga continues on and on. Today I have received a letterfrom Cabot Financial UK Ltd telling me that my Egg Current Account (never had one) has an outstanding balance (I assume Credit Card). They are going to refer me to Fidelite so they can visit my home. I last advised Apex that I would not correspond with them further in July 2010, having not had documents sent in the timeframes specified, not been advised by Egg that the account had been re-assigned and the Egg account was still active at the time. They (Apex) carried on for a while (until June 2015) and then Cabot appeared a while ago. I've been ignoring them so far as I don't think they have any rights if Apex dropped the ball in 2010, why would Cabot be able to pick it up and run with it now? I was going to send a CCA to Cabot and a further letter regarding sending agents onto my property, etc, because I don't want some idiot stressing out my family. My last letter to Apex was in July 2010 but I did have a SO still going to Egg until Sept 2012. I have had no notice of re-assignment at any time. Where do I stand? Do I just send the CCA? Please advise.
  4. This saga continues on and on. Today I have received a letter Cabot Financial UK Ltd telling me that my Egg Current Account (never had one) has an outstanding balance. They are going to refer me to Fidelite so they can visit my home. I last advised Apex that I would not correspond with them further in December 2010, having not had documents sent in the timeframes specified. They carried on for a while and then Cabot appeared a while ago. I've been ignoring them so far as I don't think they have any rights if Apex dropped the ball in 2010, why would Cabot be able to pick it up and run with it now? I am going to send a CCA to Cabot and a further letter regarding sending agents onto my property, etc, My last letter to Apex was in July 2010 but I did have a SO still going to Egg until Sept 2012. Where do I stand? Do I just send the CCA? Please advise.
  5. Cheers Andy I cannot tell you how relieved I now feel. Thank you so much. NTBA
  6. Cheers Andy I sent the DSAR's to HSBC last week and I will write to Marlin today. Why would they only return my letter and not the one for my wife? Her agreement ends 2 years earlier in 2018 - would that make a difference? Where do we stand if we had an agreement with HSBC to pay back the debt over a fixed period of time at zero percent interest and then they sold the debt, without consultation, to a 3rd party? Are we liable for interest even though our original agreement negated any further interest and we didn't break the contract? Can they foreclose on the debt for immediate full payment when the agreement was for repayment plan over a number of years? We didn't sign up to either of the two conditions above - so what are our rights? Some of the stuff I've read on here in other threads is totally logical but some of it just doesn't make any sense whatsoever. Thank you to those who have assisted thus far.
  7. Hi Andy The letter said all correspondence was to go through them and I didn't want them to take it any further as I have never communicated with Marlin. I tried calling Restons and recorded the conversation but you cannot get through to anyone unless you want to pay - so I left a message and am in the process of sending a follow up letter . I have sent the letter back to Restons with the attached info What do you recommend I do? I can stop the letter as it is being sent tomorrow morning. I have been working away all week and was only home on Monday evening and this afternoon so I've had virtually no time to do anything. NTBA
  8. So I sent off the four letters to the appropriate companies. Within 24 hours Restons have written back saying they had: "received a draft letter which purports to come from you but is unsigned. You will appreciate that we must ensure we are corresponding with the correct person and that anyone requesting information is entitled to receive it. Please ensure that all documentation is signed failing which we will not acknowledge receipt nor provide any response." Funny they didn't return the exact same letter send in my wife's name.....? I also tried to call them to say I had an existing agreement in place which I had fully honoured and was concerned they were chasing me for a payment but it seems that when you call the solicitors office, they are merely interested in receiving payments as they would not take calls for speaking with 'Account Managers'. Luckily have it all recorded. I propose writing back to them but do I sign a letter stating that letters do not need to be signed for any legal reasons or do I just sign it and be done?
  9. Thanks Andy. No - funnily enough, never got that letter from HSBC refusing my payments. I'll do as you suggest and see how we get on. Do I CCA Marlin via Restons or direct to Marlin?
  10. Oh yes, regular as clockwork and I have the bank records to prove it. Does this mean that if I keep up the payment agreement I had then they cannot touch me? Should I refute their claim and tell them I'm still paying HSBC - surely it's none of their business as I've never had a reassignment letter from HSBC - I had a dodgy photocopied letter some time ago but no way was it a genuine HSBC letter!
  11. Hi. We've been paying just under £125 per month between us. They haven't offered us a settlement figure but have included this - "Furthermore,, our client has asked us to draw to your attention an opportunity for you to clear the account at a specially discounted settlement figure, if you are interested you should call the number above." I've just written the 2 CCA's. As Restons have asked for all comms to go to them, am I correct in writing the following at the top of the CCA Request: "In accordance with your letter dated 12 November 2015 and received 16 November 2015 re the above reference, I comply with your request to send all communication to the above address."
  12. Hi Everyone My wife and I hit difficult times in 2008 like most people and we eventually faced the Grimm truth that we could not afford our debts in 2009. Two of these debts were with HSBC, credit cards, that we agreed a zero percent interest rate and a fixed monthly fee to pay them off. Our combined debt equated to nearly £14k. In 2010 we signed with Payment services Bureau so that we could avoid paying interest. We signed standing order mandates to 2018 for my wife and 2020 for me. Over the last few years we have never missed a payment and the standing orders continue to go out of our bank account every month without fail. I have never received any official letters from HSBC stating any re-assignment and the fact that the standing orders keep going out have made me suspicious of recent claims by Cabot that they can hassle me for the balance. Tonight I have returned home to see two letters from Reston Solicitors stating that they have been instructed to seek immediate payment of the outstanding monies. They have given me two weeks from the date of the letter to settle - is this legal?? First of all I've never signed anything with them. Second, I have never had a re-assignment letter on official HSBC paper. Third, I received the letter today (November 16th), how can they demand a response in just over a week? Fourth, the balance they have demanded between us is just under £6,500 so why the high pressure when we've already paid off over half the outstanding amount from 5 years ago? I am working away for a few days and this really limits my capacity to research these parasites. Could somebody help me please? I have attached the three letters - HSBC to confirm deal and freezing of interest Payment Bureau to agree repayment schedule and Reston threatening us We have almost two sets of identical documents, the names, dates and values are the only differences. Can somebody help me with the next steps I must take please?
  13. I have a mortgage that was taken over by NRAM when Northern Rock collapsed. It has been classed as a toxic debt by our bank when I tried to get a new mortgage yet we have never been in arrears or even ever missed a payment, Since NRAM came into existence it has been a license to print money for its shareholders - my mortgage interest rate is still over 4½% and has been throughout the recession(s) costing me thousands in interest that should have been writing down the outstanding capital. The documentation they sent out originally stated that NRAM was there to help people stuck in this trap of negative equity where the loan value was higher than the property value at the time of taking out one of these joint "mortgage and top up loan" mortgages, yet all they have done is damage my credit rating and take, take, take. Are all mortgages that are made up of these elements classed as "together" mortgages? It would be nice to finally get some good news and a pay out from one of these shark operators. I don't suppose the loan element would be unenforceable if they used the wrong contract terminology?
  14. Thanks SFU What about the loan being sold off without a default notice? In June 2009 Egg sent me a letter headed "Just to conifrm our arrangement" stating: If you cannot pay your arrears within the 28 day notice period the default will be registered with the Credit References Agencies and this will affect your credit file with these agencies for a period of at least 6 years. I have had nothing else from them except for when I have asked for information via a SARS, for example. Even with my SARS, I got a load of screen dumps and very few copies of letters - some of which I never recall ever seeing! I wouldn't mind but I am still paying these toe-rags about £150 per month for the two accounts. My other debts are all agreed and on fixed low amounts until cleared. NTBA
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