Yes they included everything. What about the 5yr fixed rate I had but they increased the payment due figures in 2010, 2011 and would have been again in 2012. Is that allowed?? To be honest their final account with the alledged shortfall is absurd. They have even calculated the early settlement figure different to what the conditions states. The whole affair smells fishy to me. Im think the interest they have charged is not daily as states in contract they seem to have based it in the previous years closing balance which would be incorrect so although is daily it's based on previous years and not the balance in the day; "Daily interest is best as the amount of interest is calculated on the outstanding balance every day. As your balance falls, so does the amount of interest you’re paying". "With annual interest, for example, the interest is still calculated daily but it’s based on the previous year’s balance, so it takes a year before the capital amount is reduced." If they charged daily on the balance at hand their figures would be the same as my spreadsheet.

This is my spreadsheet I've done and will upload the mortgage ones next, I've listed every payment made. Statements 2010 I never had a statement but have their letters showing payments made I also have a spreadsheets that includes all the charges they applied which i believe did increase the overall mortgage with interest by 2000 plus ? full mortgage without charges (1).pdf 2007-2011 statement.pdf 2010 statements.pdf

Yes the Lender was Yorkshire bank

What information will the SAR detail please? Sorry if I sound dumb but I’m not clued up on dealing with credit, hence the reason I end up in a mess. Also if a fixed rate mortgage payment is altered and written notification is received from the lender informing you of the new payments required for the coming year is that referred as changing the conditions of the mortgage? If so is that allowed? Looking through all my docs the increased payments had references to the SVR increases. At the end of the five year fixed term I would have reverted to their SVR unless I changed lenders or entered into another agreement with them. I had two increases one commenced in 2010 and 2nd 2011. I do recall it being confirmed upon querying the altered payment amounts that the increases where applied as their SVR had increased. So could it have been an error made by one of the employees who calculated my payments on my account in relation to my annual mortgage statement as though I had a SVR mortgage and not the 5yr fixed rate I had agreed with them on entering into the mortgage. Or is this something that they are entitled to do and im reading the contract and statements wrong? This lender has been fined very large sums and ordered to pay compensation to its customers for various reasons over the last 5-6 years . Some relate to unfair treatment of its customers, Not providing accurate information to the ombudsman when requested by them, applying unfair mortgage arrears and other charges to customer accounts and actually deleting accounts and falsifying documents for their own gain. So I do not have much faith in the integrity of this company. If I am on the right track and the actions of their employees could may well have contributed to a family losing their security and their home, I may well be able to pursue them. Based on press coverages its not beyond them to cover up as best they can any previous wrong doings that may become apparent at a later period. If so it could be other customers past or present have or are now in similar situation’s. Is there any one who could possible advise me if this is a possibility, or they are aware of a similar ?? Any advice greatly appreciated.

Thanks hopefully it will be removed and I will not have to raise a further dispute with ICO

The original entry made from Argos has vanished (I did make further payments to them when I was in a better financial position, but refused to pay the DCA , Argos did accept the payments off off me anyway, the only balance left outstanding was equivalent to the charges they did not refund to me, as I gave up asking them for a payment, I figured they could sort that with the DCA they had appointed) They entry showing is that of the DCA and they date they closed off the account (their entry default date) is later than original and full balance shows still. I have raised a dispute with CRA so Ill await their response. I dont know why I wrote delinquency I did mean default.

Fair comment, but a DCA should not place a marker on a CRA file when the original default in 2008 with Argos has now dropped off file The DCA is incorrect

Thanks for the advice Would you know if I can also raise a dispute with the CRA ?

I would have thought so but it shows balance 0. The actual default figure quoted to DJ as redemption figure is not the same figure used on the final account for the balance due before all their ridiculous fabricated approx. 15,000 costs are added and (I had thought it had been overstated) there is a lower figure by approx. 3,000 and the number of payments in arrears do not match up to statements from lender, as I had also made payments to them I knew something wasn’t quite right. CRA last updated 2012 1 mth after sale Property Sold 3 mths after eviction. Sold on the cheap for 75,000 approx 40k shortfall The DJ was led to believe that the property currently had neg equity due to what they portrayed as the redemption figure, but in fact the property was valued higher than their redemption figure plus on the true balance I actually owed there was definitely equity in the property. I did reply to the final account letter but they never contacted me over it again. They unlawfully increased the monthly payments on a fixed rate mortgage They hit me with arrears charges plus interest, they added a charge for buildings insurance plus interest ( i never agreed to it as had my own). I had fees, costs , admin charges plus interest on my account from the first hearing, never informed me of breakdown in full. Out of the blue Dec 2014 i got a letter about the arrear charges being wrong and they are refunding all customers regardless from 2009. Obviously they credited the shortall with my 1500.00. However when I took a look at my statements I was actually one of the unlucky ones who was in fact charged after 1 payment fell into arrears and it began in 2008 not from 2009. As a result of their actions in wrongly increasing my mortgage balance , and in the unfair way I was treated by them which led to them securing a repossession , partly based on their misleading and overstated info given to the court could I seek compensation for a reposession that shouldnt have taken place? Do you think they know that they have unfairly treated me? Could they be trying to hide ths truth?

I defaulted on an argos card back in Oct 2008 (this date is stated on their ledger print as the date of delinquency) due to a financial change in circumstances. They sold the account to Direct Legal Collections T/A Hillesden Securities Ltd formerley Argos Card Services (I wasnt aware of this at the time). I received a reply to a letter sent to argos card services 2011 over fees etc and they awarded a refund of PPI and interest 366.31 no refund for the 12.00 letter fees added on account and was included on the refund request. Argos did not disagree with the request for a refund as they stated that they are unable to locate the original CCA so could not argue. They then proceeded to inform me that I would not be receiving a payment as the account was now with Direct Legal Coll (DLC) they would be informing them to credit the same. DLC apparently are the owners if the debt. So who is it on my CRA with a default registered relating to this account by a company called Hoist Portfolio 2 who claims account opened 2009 and defaulted in 2014.?? Can I default twice? I have tried to get Argos to issue payment to me as surely they cant credit a DCA who has purchased an account they believe to be owed by me as argos have no CCA to prove it exists. I havnt received a reply and as the debt with them has now dropped of CRA i dont stand any chance in payment. So my concern now is what do I do about my CRA file which is wrong and as it looks like a DCA received my credit also, shall I be cheeky and request payment from them?

When your home is repossessed then sold with a shortfall balance can anyone advise me of a few queries; Does your credit file show the remaining shortfall balance on it? Should the arrears shedule listed on your CRA match the lenders arrears or mortgage statement for example when your mortgage agreement is void through reposession and the lenders stipulate 5 months arrears up to Feb. Should it be the same info on your CRA for the montb Feb also? The amount shown as the account opening balance (account balance shown on the breakdown that shows the property sale , reposession fees etc and the shortfall balance) would that figure be the same on your CRA and should it be the amount that was used to inititate the repossession process and again in the eviction hearing?