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The Unfairy

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About The Unfairy

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  1. So I ring Sainsburys and say "When was the last credit to this account?"
  2. I thought we shouldn't ever phone them as no record of calls? Sorry for being completely clueless but I'm obviously in a panic.
  3. How can I be any surer though? I have no paperwork after that showing any further payments were ever made. I don't remember giving them any else since or having any dialogue with them since.
  4. Prior to that amount I last made a contractual payment at the beginning of July 09. I was then defaulted around September that year just noticed they added fees from between £10 and £50 (Collections fee?) over that period too. Would should my next step be?
  5. No the last contractual was way before then. I thought the last token payment was June 2009 but I've found an old loan statement which says payment received 05/01/2010. It would only have been about 1/4 of a contractual payment but interestingly it is for the exact same amount as they charged me for a letter a couple of months earlier. I'm wondering it is was a fee refund but it doesn't confirm either way. So that would make it SB on the 5/1/2016 wouldn't it?
  6. I've acknowledged claim now thank you. Can anyone advise on how to take the next step, I'm quite nervous about all this. But I'm sure it is SB.
  7. Yes. I assume I need the defence option as it definitely looks like this is SB. Or do I just acknowledge to get the 28 day option and then write to Restons stating its SB?
  8. I'm trying to do the MCOL but I don't know which response I need. Help! As far as I can see the default notice was served 2/9/2009 and the last payment was 05/1/2010 so there is no indication of any correspondence since then. So what is my next step?
  9. Sorry, I've just re read my post and realise it came over in a rude way which wasn't my intention at all. I was just confessing to an atrocious memory. So if it is SB, do I contact the company or write something on the court form?
  10. This dates back ten years, I can't remember I'm afraid. I would think probably five years.
  11. Dates are definitely correct. So if the dates are correct, is this SB? If so what is my next step as I haven't done anything with the court papers yet.
  12. Name of the Claimant - Arrow Global Date of issue – 04/02/16 What is the claim for – The Claimant claims payment of the overdue balance due to the Defendants under a contract between the Defendants and Sainsburys Bank PLC dated on or about Jul 2005 and assigned to the claimant Jul 2011. Particulars a/c no XXXXXXXXXXX DATE Oct 2015 Default Balance £XXXX What is the value of the claim? £3000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Loan When did you enter into the original agreement before or after 2007?
  13. I'll approach that route then, I know some people have had success with mortgage companies and for more things I wouldn't expected such as ERC so I thought if mine was purely down to £54 a month arrears charges I would stand a better chance.
  14. Interesting. So what will these 45% of all current lending people do when they want to move or remortgage? They were often pushed into these by greedy brokers or the like. will they have any hope of a future mortgage now?
  15. Sorry, I used to have a Mort PLC mortgage though I am now with another company. During my time with Mort PLC I incurred a few hundred pounds of late payment/arrears charges and contacted them asking for these back. They said no a couple of times and then sent me the above letter. So do I have a leg to stand on? Should I now go to the FOS? Are there many successes for these charges alone on that route or should I go for a court claim?
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