Are you sure the debt was sold and not just passed on to them to collect.

 

What does your credit file say about who owns the debt?

 

If HFC own it then they can set off.

I have paperwork to say it was sold to them and debt not on credit file

Hi,

Having issue with HFC put in ppi claim they amint they mis sold offer sum then say they will take it of the debt owned hfc sold debt to tbi and they have not forward the money to them just want to take of the debt owned to them.

Question if they sold the debt then how can they still have outstanding balance

second question do hfc own TBI

Help pls

spoke to FOS there cases are 12-18 mths behind

yes but fos rules say they cant offset to a third party only can offset if amount still owned to bank is this not the case

HI,

The Claim is about £3200 ish yes i will take them to court i assume it will be the small claim court since posting this they have sent me a letter saying i have not signed the acceptance letter so they can not action the refund , they will get a letter back saying if they wish to redo the letter saying i will only sign if the money is coming to me not tbi , or do you think to go straight to court.

just phoned hfc they not even bothing to respond to offset letter i sent they said complain to fos , can i go straight from smal claims court rather than fos

Will be it be through small claims court or something esle as they havent even bothered to send sar information back either

If they still say they with offset to TBI do i complain to fos or can i start legal proccedings to recover the money

Hi just got reply back from HFC re ppi claim they are agreed amount but want to offset to TBI can they do this as they sold debt to tbi in 2001 if they cant what legal stuff do i use to claim it back to me

I sent away for ppi Claim which i used the spreadsheet to claim back money

I claim back the £1064.10 plus the interest of £393.30 which was the orignal insurance sold to me . the loan was sold to cabot in 2006 so i claimed back the 8% till then coming out at about £2345, The loan also paid previous loan which had ppi on

they sent me an offer of £245.86 for loan one

and £1061.33 for loan 2

If they sold the debt to cabot and cabot are claiming the full amount for the loan am i enited to the full ppi to be paid back to me plus interest or is it just the on payments made.

where do i i get fos questionare from

HI , l

Looking to reclaim PPI charges is there a standard letter to send if so where can i find it

Hi,

Am a little bit annoyed of the advice i keep seening pop ref cca requests and non enforable agreements , If the dca does not provide you with the requests it justs means they cant chase you full payment or take back goods etc but they can effect your credit and take you to court if you dont pay i feel that a lot of advice is misleading below is statment of the OFT website ref nonenforable agreements.

If this information is not provided within 12 working days the debt becomes unenforceable. This means a creditor:

• cannot:
  - make the debtor pay the debt before they're supposed to
  - get a court judgment against the debtor
  - take back anything hired or bought on credit, or take anything used as security in the agreement.
  
• can:
  - ask debtors to pay what they owe
  - send a default notice
  - pass information on to a credit reference agency
  - pass information on to a debt collector
  - sell the debt to someone else
  - take the case to court.
  

your views

Check your credit reference files

To see if the debt shows asap.

Knowing Cabot a F&F will lead to

only a partially settled entry but

tis MAY not even be on your files.

having checked cra it looks like cannot have just done a name change from barclays to cabot as it says account opened in 16051996 cabot took over in Nov 2011 please advise what to do

The start date is when the account opened with barclaycard 16/05/1996 i dont want my cra file ruined can i offer them a full & final settlement as they cant prove the debt

Hi i had a barclaycard from 1994/5 went into default about 2001 been paying back to barclaycard reduced payment until cabot took over in november so i cca them and sar barclaycard getting no respone from either only thing come back from cabot is we are waiting for paperwork so i sent letter to say they cant enforce debt, they have now entered on my credit file the debt (can they?) and are demanding payment , what i want to know is what is the score do i not pay them can i make them take of my cra file or do i offer them silly reduced final one payment to close this matter please someone help i enclose there lastest letter.

20120314080804119.pdf

Just update got this letter from cabot today i have attached copy for you to look at , i am currently paying them £50 a month can i stop until they forward requried details to me and also can they and debt to cra file which at moment is not recorded anywhere.

20120314080804119.pdf

hi,

all this info is causing my brain to hurt just sorting out ppi claim have noticed a mistake on my loan interest rates it says annual interest rate 13.900% and monthly interest rate 1.095% now if i do my maths 1.095% x 12 months = 13.14% a diffence of 0.76% can i claim as unenforable agreement loan taken out in 1998 passed to cabot who i still pay have cca them but they have sent info now in the 2 month with no info. any help most apprenticve

Hi,

just had letter back from hfc ref asking for proof of whom i am before they said details on loan i sent them copy of passport with blackout photo and signature i have got letter back saying that the require specimen of my signature DO i have to supply it.

Paid hfc until 2001 then tbi took over paying 10 pds. a month ever since

So I can only claim the ppi. from them for payments I made even thou the ppi was front loaded what about payments to dca. still confused

ref the above no i there is no gap of six years i have included the agreements for someone to help

cheers

20111128102206526.pdf

Hi,

How do i go about claiming the ppi from the above agreements as the they sold on to dca can i just claim the ppi plus interest back from them and when does the interest date stop i know i sound thick but this is all confusing

So if the debt does not show up on my credit agencies file then I don't have to pay it

Also they keep asking for I & e details what is the score here

Hi ,

there is no record on cra file there is ppi on the loan so going to claim that back when we asked for sar should they supply the figure they sell the debt for

Hi ,

I cca TBI and they supplied the paperwork within the 12 days they asked me to provide income & exp details , do i have to suplly them currently paying them a fixed amout each month and have never missed a payment , what is the score with this ,