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Beauty13

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About Beauty13

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  1. Sorry I'm confused....their apr? I thought I could only add 8% and any more was unrealistic
  2. Hi all.... ........ .....have calculated charges claim using 8% interest on spreadsheet but need template letter to send to vanquis to reclaim...... ........everytime i try and access anything to do with template letters im told i haven`t got sufficient privelleges to access..... .......this applies to posts and CAG MAIL...... ........help please i need to make sure the letter i send is factually and legislatory correct....... .....thanks in advance
  3. No letters.....replied rather quickly tbh still time left Is there any way I can email what they have sent for you check over? I've got 2 threads going on re this (not sure how I managed it) Have calculated charges and interest re the info they have provided
  4. Agreement taken out 2009 Rec copy of standard t&c's and blank reconstituted agreement (short response form) only info is my name and address stating only necessary to provide the original signed copy for court Copy of account notation list of transactions and charges and phone call memos
  5. Thanks Slick will keep making payments until info received Just to re iterate.....no default lodged at any point by B Card The only one is by Link Not sure if they can do this? Will wait for non arrival of CCA then go for charges after i have all statements Thanks again
  6. No credit card info for Robinson way on credit file at all ever........... the only thing that tallys is the outstanding balance that lloyds show on CR with that of OS balance on recent RW letter?? so who owns it? and nothing since 7/5 from Robinson re CCA so they have until tom to reply? 12 + 2 working days i presume what happens then if they exceed that? can they then update file? either LLoyds or Robinson Way? can they generate new entry at any point? I need to re mortgage at some point hence stress!! Sorry so many questions!!
  7. ok so after checking default on LLoyds credit card Nov 2013 NOTHING SINCE
  8. Have just checked credit file and no default..... interestingly file history isnt accurate at all really making a mockery of the whole system will request sar as req and calculate charges then go for FULL settlement thanks DX
  9. I think they have provided a `reconstituted agreement` which is totally devoid of any information pertaining to me other that my name and address and sar was breakdown not full response which is fine as long as its accurate!! without statements is impossible to say it includes copy of notation,key to abbreviations and list of transactions and charges memos at back too re phone calls Hi guys...... Have received reconstituted `blank` agreement in response to CCA req.....they only have to provide signed copy if they commence legal action? Have collated charges based on SRA req using PPI spreadsheet-thanks DX £264 in ol and lp charges.......£94.11 in interest covering 2010-2013 charges and int stopped after that with AP in place £358.11 in total- need template letter for charge refund if someone can kindly put me in the right direction.......struggling to find template letters. Waiting for SAR for Halifax,B card and LLoyds now to do the same Thanks in advance
  10. Am waiting for LInk....they are obtaining info from Barclaycard good luck with that one!!!
  11. Thanks Guys...... Can someone please clarify re credit file default Can the DC show default or only the OC My file clearly shows BANK DEFAULT FROM LINK FINANCIAL with Equifax in my list of credit agreements and a D in the payment history Is there any room for negotiation on this ie contacting experian? The barclaycard account was 8 years old at the time of default so they will be unable to provide a credit agreement likewise link I cant believe ive also noticed that aside from the one entry from link showing the default in june 2014 there is NO FURTHER PAYMENT HISTORY!!!! ive been paying them £40 per month for the last 2 years at least!!!!! Am i safe to now stop based on this?? or shall i wait for them to send a response re not having credit agreement? Can they then lodge further information with equifax if i stop paying or can Barclaycard? so many questions sorry!!! so angry!! 5k balance all flaming interest and charges!!!
  12. Oh and re default have another CC originally with Bcard then sold to link...... LINK have defaulted it???? just checked credit file Sorry for confusion LLoyds card is husbands and dont have immediate access to credit file
  13. So dont start paying Robinson Way again? even though ive paid them direct for a couple of years? My biggest concern is my credit file-doesnt paying them previously mean ive accepted liability? Need to check file now i suppose if nothing registered to them will stop??
  14. Have now had response to SAR...........we will have all your personal information ready by 14th June Swiftly followed by....... we note you are requesting ALL data held this can encompass call recordings AND emails. If you require this data than you return the attached form and if this is required then our 40 day deadline will change as your full requirements were not known when we started your original DSAR!!! We will advise you of the revised deadline when we acknowledge receipt of the form I thought the SAR clearly stated ALL INFORMATION held and fear they are playing for time with a view to selling the debt - I have already received a letter requesting the outstanding arrears of £60 or they will lodge a default -i have been paying a nominal amount each month but this is the first threat of such. Do i pursue the request but state that they have to adhere to the original deadline? dont think i have any emails from them but there are a few phone calls again not sure how needed. Need statements to calculate charges os bal approx £750 largeley charges and interest are they likely to sell this on ?? How should i pursue SAR please?
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