Feelingdownandout
-
Posts
703 -
Joined
-
Last visited
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by Feelingdownandout
-
thanks for the link. interesting that apart from a mortgage there was no other account. Can the £10 SAR payment be listed as a co-existence transaction if indeed it wasn't!
-
its all a little scarry... I know that the claimant will come back and state that we made a £10 payment towards this account, therefore not SB. I had posted this earlier in the thread I know this was the £10 that we sent for the SAR (and was a postal order) That appeared on the account on 06/01/2011 - the transaction was called ' CO-EXISTENCE COLLECTIONS IN DEFAULT' I have no idea what that means, we did have a sander bank acct too, but that was closed by them on 30/05/2009. p.s. we also have a mortgage account with sander... .. do I need to check my mortgage statement to see if they have offset £10 against our mortgage account (which is a joint mortgage) The SAR was sent on 24/11/2009, information received with letter dated 17/12/2009 Any suggestions? I have just checked mortgage statements, and there is no offsetting against that. That's one good thing! BTW - we don't have ANY information on the old sander bank account. I have never sent a SAR, as the account was closed... Hubby just home from work - he has just told me that Robinson Way called him yesterday! Called him at 11.07 leaving a message for him to call them immediately and not to delay! is this usual?
-
ok - understood. How will they respond - do I need to keep checking the MCOL site or will it come via post?
-
ok - I will do that and file that today. if they refute it and send it back I have three questions (and yes cart before the horse I know a) how long does it take before I get an answer to the defence? b) can I defend again or it is one attempt only? c) after the decision has been made as to what the outcome is will we get a chance to pay it off and my hubby wont get a ccj? sorry to ask these questions, just these are in my head and I want to be able to explain them to him wen he asks me.
-
1 The Claimant's claim was issued on (insert date). 2 The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. . If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. . 3 The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied. dx Am I correct to complete the bits in red? Also, and I sending off the letters mentioned in the posts prior to this? FDAO
-
Now I am confused..... sorry!
-
08.07.2010 CCA request to Connaught - they NEVER replied... however, according to Sander SAR records it was sent as requested on 21.07.010 and again on 01.09.2010!! Copy of recon CCA turned up in the SAR request. Interestingly the £10 for the SAR was applied to the debt balance! I wrote to sander about this and guess what.... ignored! After 2010 I stopped acknowledging anyone. as dx said, why waste my life and money!
-
no i didn't... sorry.... In 2010 the letters were flying through the letter box. I am not sure if you ever saw the seen in Harry Potter where Ronald Weasley got a letter referred to as a 'screamer' from his mother, which opened itself and screamed at him before it destroyed itself - well that was what my letter box was like for months and months!!
-
Sorry....letters from us to others? or others to us? if from us to others, they varied from one letter to Sander with an offer to pay as suggested on this site (that was 2010) and was never acknowledged by Sander, other letters varied from FO to DCA's, prove it letters, a SAR and CCA rqst . nothing was signed, and letters sent by special delivery
-
ah, ok - was kinda hoping that was a feather in my cap
-
Just been doing some reading on another thread, and a post that andyorch made... in the claim form that we have received it states: This claim is for the sum 19xx.xx in respect of monies owing pursuant to The consumer crediticon Act 1974 (CCA) under account no xxxxxxxxxxxxxx Should the claim form read: monies owing pursuant to an agreement number xxxxxxxxx regulated by the The Consumer Credit Act 1974 There is no mention of the agreement in the claim form. Just an observation
-
not one letter has been 'signed' !! I held that nugget close!!
-
Congratulations, and well done you! I wish you a quick recovery
-
that's interesting....! just for me - what does AFAIK stand for please? Does SB also take into account acknowledgment of debt - which is what my hubby did a few months ago when the 'egit' called them to set up a payment plan, then I spotted the direct debit appear on our joint account, which I stopped immediately! Robbers Way then harassed him constantly. He called them again, and they demanded he filled in and IE form, I took control of the phone call and told them that only a judge can ask us for that information and not any DCA! I don't think the person on the end of the phone liked being told a thing or two! he got a big slice of me that day!!
-
I thought that SB was from date of default notice? Which was Oct 2009? I suppose like some that I was hoping that it would ride through until then?
-
27.02.2009 was the date of the last payment to them
-
Duh..... Sorry I just typed automatically. I did search. Thank you
-
What's a Tomlin order?
-
Yes I have
-
Thank you. I just didn't want to balls that up too!
-
So these letters go addressed to hoist
-
Just one question on this matter?. If we make contact to pay in instalments will he go to court anyway? Ok, I will go looking for that too. I've got a massive headache Ok found the CPR doc. I will get this prepared tonight and off to post office tomorrow. Will send the cca request too.
-
CCA was done in 2010
-
It was opened in June 2008, I have a copy of the CCA - its only a recon one though. what is a CPR? just going through some paperwork, and it seems that we do NOT get a Notice of Assignment from Santander, we got a letter from Hoist telling us that Santander had assigned all of its rights, title and interest in our debt to them as of 15 October 2014. The letter carries on to say that under the terms of this assignment and as defined in the DPA 1998, Hoist is now the Data Controller of our personal data contained in the records of this account and will not change the purpose for which or the way that our personal details are being used. The letter closes by saying that they appoint Robinson way to organise our repayments....
-
Thanks SabreSheep, I know I am being stupid, I just don't want to make things worse than they already are. I wish I could understand how it could be defended then I could see things more clearly.
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS