Right SAR gone to TR and seperate letter seeking answers to o/s queries. I've now had confrimation in writing from Barclaycard that the debt was sold to Roxburghe on 27 Jan 2006

I've had no response to my letter sent as per above post (I sent a second as I'd had another letter from them - just sent a copy of my first letter). However I've now had a letter from a local debt collection and bailiff firm demanding full payment within 7 days to prevent further recovery procedures commencing and for me to phone to arrange an instalment plan that may be accepted. I dont intend to phone them. Past due received there last letter signed for on 22 June 2010. What should I do now

They didnt provide the cca so I sent the default notice last Wed shall I stop the payments I've been making, currently £15 per month or drop them to a token amount of £1 for the time being?? What happens next, if the dont respond in the 14 days ?

Cheers will do tonight - sending SAR today

anyone any thoughts on my proposed further letter to TR as per post above

Cheers - beer and England sounds good lets hope we have somthing to celebrate....

Hey BA in my e-mail notification it looked as if you'd done a template for me but this isnt showing in the thread ??

Cheers I've now had the TR reply to my last letter re clrification on interest rates and they are again asking for a financial questionairre and response within 7 days of latest letter or they will take further enforement action Their reply whilst now clarify the interest as statutory @ 8% doesnt explain why they'd rpeviously stated 12% or indeed the varying amounts they previously added to the account, similarly their quoted daily interest charges stated in the letter show a larger amount per day than previously quoted at 12%. They also haven't explained why I've never been sent anual statements. I was thinking of acknowledging the letter but askfor the unanswered questions being dealt with ie no statements and why the wrong amount previously used - add to that this issue about the daily rate and send it back to reach them within 7 days and not to send any financial info or offer yet Will this be ok ? any views please Also this issue of not charging interest if you dont get statements does anyone know if this applies when there is already a charging order in place - as it would be good to include this too Finally is it best to keep this reply seperate to the SAR or ok to send in same envelope as seperate letter? thanks again everyone for all your help so far

Thats what I first thought but so much of the template relates to the a creditor/client rather than a solicitor there doesn't seem to be much left to go in !

anyone please as I need to get this sent off - thanks in anticipation

I've sent the letter requesting calrification re interest charges and asking why I've not had any statements - can anyone confirm DBs question about interest not being added if no statements senst - where there is a judgement already in place. In the letter I've avoided the issue of payments for now until they clarify my o/s questions. I'll SAR TR over the next day or two - can anyone help with the template making it suitable for them please. thanks again everyone

thank you - wish I'd posted earlier

I know I have seen a link on here for this (not imoney manager) but an excell spreadsheet that is just what I need - I've searched high and low and trawled loads of threads but cant find it again can anyone help me find it please

cheers

so do I refer in the notice as you or your client?

the date to send the default letter is coming up and I just want to be sure about the letter to send do I refer to Triton as you (as in creditor/rbs) or your client Im confused as to who is in default Triton or RBS I assume that Saturday arent classed as working days is that right, so given they Triton got the letter on 7th the 14th working day is 22nd so if I dont get my cca on tuesday I can go with the dispute letter? DO I date it 22nd or 23rd cheers

I've drafted a response to their 7 day ultimatum is it best not to post on here (I didnt realise they read it ) just wanted the ok before I send also can someone suggest wordsfor my SAR to TR please

OK the outstanding questions It is still with Croyden CC (final charging order dated Jan 07) The defence was posted to both the court and hfo on 29 August 06 the original judgment (5 October 06) stated I did not repsond - i wrote to the court manager on 23 Oct explaining this and also TR - they acknowledged this letter on 25 October but not my defence. I have the N1 form its only 1 page (double sided) and makes no reference that I can see to other documents. details of claim simply state monies due under credit agreement the amounts claimed, court fee and solicitors fees are shown on reverse - particulars of claim first para monies due under credit agreement etc that I deaulted and in breach of payment clause of agreement next bit aout interest s.69 8% from 3 feb 06 to 11 aug 06 of etc etc

not sure if I have the claim form, again will check tonight - if not will this be part of the SAR info I will get back or not - if not how can I get a copy?

No North England - think case was in Croyden - I can check later

Hmm - do you have to go to the court in person - assume you do - problem is it was about 300 miles away

As mentioned in an earlier post they are threatening futher enforcement and obvioulsy the interest continues to mount and have given seven days to submit the I&E statement

Will the SAR to TR automatically stall them or should I still do my planned reply and token offer

Since I discoverd this site I've learned an awful lot and looking at the budget spreadheet there are many things I have never included in mine in calculating what repayments I can afford. I have my own plan agreed with creditors (some have ccjs) can I redo my sheet to now include things it didnt previously and as a result reduced the agreed payments ? or will this be a risk. One area in mine I've been questioned on by the creditor was travel costs as I have a long return journey to work by car - are there set limits ie food for a single person etc that a court would have to abide by for such things if it ever came to that? Cheers

Cheers - I did HFO Svcs at same time as Barclaycard