Thanks

Avatar deleted

Ok thanks for confirming what I thought.

Do you suggest I ignore, or get into a discussion with them?, surely more letter tennis!

Or as this complaint is already with the FOS, do I just leave to them?

Thanks

MD2010

Hi Guys

I have been chasing RBS to remove debt from my credit file as now been in default for in excess of 6 years. At last they have removed so all good on that front.

However, they are now stating that as they contacted me in 2011 via Regal, this debt is not "statute barred", see attached letter.

I haven't made any payments since Feb 2009, and correspondence in May 2011 related to my request for CCA

Suggestions as always very welcome

Thanks MD2010

Hi

Thanks for a very informative thread.

I have a similar situation albeit with Barclays mercantile, but the difference between my balloon and approx value of the car is £13k, what was the difference in your case, that Audi Finance have written off?

Thanks

Hi All

Agreements attached, interestingly on the T&C they have preprinted my current address, not the one as on the application fform that they did supply

http://i1022.photobucket.com/albums/af343/majordebtor/Allianceleicecesterappform.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/mbnaappform.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/MBNATC1.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/mbnatC2.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/MBNATc3.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/mbnaTc4.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/MBNAtc5.jpg

Hi Guys

In May 2010, started being chased by Polonius for this debt sent off the usual CCa request, no response, In August 2010 further letter received from Polonius and I replied that the account had gone into dispute because no CCA stuff received. Nothing more received until July 2011 and I replied that Account had gone into dispute. They have replied with the following and attaching signed CCA agreements for 2 of the 3 accounts with them

http://i1022.photobucket.com/albums/af343/majordebtor/Polonius18August2011.jpg

Not really sure how to respond and suggestions welcome

MD2010

Hi Guys

Can you point me in the direction of a template for CPUTR 2008 request, guess which section etc?

thanks

md2010

Hi, the last statements I hold are February 2009, at which time I was accruing overlimit fees of £12 and late fees of £12, so if I understand correctly no luck there.

Could you advise how CPUTR 2008 differs from s.78 CCA 1974? But will certainly request it.

Thanks

MD2010

Hi Guys

I have received the attached letter in response to my sec. 10 DPA notice.

http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson15August2011.jpg

Any suggestions or comments welcome

Thanks

MD2010

Hi Guys

I have received an acknowledgment from the Financial Ombudsman

http://i1022.photobucket.com/albums/af343/majordebtor/FinancialOmbudsman4Aug2011.jpg

Should I send this to the Apex management?

Any suggestions as always welcome

MD2010

Hi Guys

I have now received the attached letter from Fredrickson in reply to my letter before action which was dated and posted recorded delivery on the 6th July, which gave them 14 days to reply!

http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson29thJuly2011.jpg

Was thinking of sending a Section 10 DPA 1998 letter?

any other suggestions welcome

Thanks

MD2010

Hi

See latest letter from Apex, any suggestions welcome

http://i1022.photobucket.com/albums/af343/majordebtor/Apex27June20111.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/Apex27thJuly2.jpg

Thanks

MD2010

Hi Guys

Please see attached letter received from Regal

Any suggestions?

MD2010

Hi

Thanks

No PPI and late charges/overlimit fees minimal

MD2010

Hi Guys

Some information debt

£9.5k originally being collected by Newman in June 2010 from whom I requested CCA,

never had any reply;

Wescot started chasing in November 2010, advised them that i was waiting for CCA, originally requested from Newmans,

various correspondence but no CCA.

May 2011 started being chased by Regal advised them that CCA originally requested by Newmans and the account was therefore in dispute.

MD 2010

Last financial transaction probably 2007/8, is that significant?

Hi All

This relates to a credit card debt with RBS

Well, it started off with Newmans, over 12 months ago who gave up and passed to Wescot, who passed to Regal who at the same time seemed to be working with Scotcall!

I have sent all the usuall letters of to Regal and have now received this letter

I am going to respond with a "agents attending my home" and an "account in dispute letter" anyone have any other suggestions?

MD2010

Hi Guys

Thought, I would just update you on my situation with Fredrickson International, the last two letters received from Fredrickson attached, dated 26 April and 30th June,

http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson26April2011.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/Fredrickson30June2011.jpg

no other correspondence from them between these dates although I have sent them letters acknowledging that they are unable to comply with my request s.78 (1) CCA 1974 and then a notice to cease harassment in June when I started receiving approx 4/5 calls per day from them, I didn't speak and mostly they left a message that i should phone Fredricksons as a matter of urgency. On receipt of their letter dated 30th June I sent them a letter before action.

Any other suggestions would be welcome

Thanks

MD2010

Hi Guys

Well, I have received a letter from Cobbetts, stating that they will be re-issuing proceeding

http://i1022.photobucket.com/albums/af343/majordebtor/Cobbets24June2011.jpg

My question is this, as the previous matter was settled by a consent order that included a No order for costs, can those costs now be rolled forward into this claim?

Also, has anyone any idea what % of net income after paying household costs a court may suggest would be available to pay this debt?

MD 2010

Hello

a draft s10 dpa notice can be found at

http://www.consumeractiongroup.co.uk/forum/content.php?413-Letter-to-request-the-halt-on-the-processing-of-your-data

MD 2010

Thanks guys, all much appreciated

Have drafted a s10 dpa notice and it is on its way to them

MD2010

Well Guys

The latest on this, is that Apex Credit management Ltd have taken over from Wescott.

Have sent them all the usual letters and have now received the attached, any coments or suggestions welcome

http://i1022.photobucket.com/albums/af343/majordebtor/Apex21June20111.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/Apex21stJune2.jpg

Many thanks

MD 2010

Hi

Don't think I have received any other T&C's and they have not yet issued a formal default notice, only 3/4 months with no payment

Thanks

Hi All

Originally used to pay off other debts, got a very reasonable rate, my business started losing money and couldn't keep up with the payments.

Was paying £300 per month, but even that was unsustainable, in fact the interest was even greater than the monthly payment.

Stopped paying and they passed to Albion DCA, who are chasing, have told them am trying to get clarification about loan.

Hope this helps? but if need any further information please ask, need all the assistance I can get.

Thanks

Hi All

I have received the attached from Halifax, can anyone tell me if this complies with the CCA, or am I stuffed?

http://i1022.photobucket.com/albums/af343/majordebtor/image005.png

http://i1022.photobucket.com/albums/af343/majordebtor/image004.jpg

http://i1022.photobucket.com/albums/af343/majordebtor/image002.jpg

Many thanks