Jump to content

Geestra

Registered Users

Change your profile picture
  • Content Count

    18
  • Joined

  • Last visited

Community Reputation

1 Neutral

About Geestra

  • Rank
    Basic Account Holder

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Thanks dx, they have actually sent a copy of the default notice surprisingly.. Very grateful for your help Gee
  2. Many thanks for your informative responses. I'm going to pass the info on to her and I'm sure she'll be confident to just ignore them now. I note that they didn't provide the Notice of Assignment that she requested in the Letter of Claim - does this matter at all? I'm just asking as I'm curious and it could be another factor against them should anything happen further down the line! Gee
  3. I have attached the CCA (redacted) that Robbers Way sent! Barclaycard’s cover letter which accompanies it says: “Enclosed is a reconstituted copy of your credit agreement together with a copy of the terms of your credit agreement as varied in accordance with section 82(1) of the Act. This is a statement of the terms of your agreement with us and incorporates any variations to the terms made since you entered into this agreement.” Also, the CCA only states her first initial and surname where her name is stated – I don’t know if this matters or not?
  4. Oh my goodness, that's really thrown me - I had no idea of the difference between the two! Thank you for your prompt response and for clarifying. I will tell her to ignore then! Gee
  5. Hi all, I have a query on behalf of a friend. She had a Barclaycard: Account opened 02.12.2015 Last payment 30.06.2016 Account Default 24.02.2017 Balance £1556.00 She began receiving letters from Robinson Way which she ignored. She then received a Letter of Claim from Howard Co & Solicitors on behalf of Hoist Finance on 12.09.2019. As per advice given on this forum, she filled out a Reply Form (taken from this forum, not their one) and sent it back to them along with a CCA request. She did not hear anything back
  6. Thank you for all the help and advice - will let him know what to do
  7. Many thanks for your prompt response when did he last pay monument anything? He has no idea at all a DCA can't register a default so the default would have been registered by monument upon sale of the debt or before The credit report only shows Arrow as a defaulted account, no mention of Monument. Could Arrow have changed it to their name or if not, does this mean the date of default is before the date that the credit report shows under the Monument account which is 01/12/2015? does he recognise ANY of these debts? He has vague rec
  8. Hello all, Would appreciate some advice for my friend Ben. He checked his Experian credit file in June 2020 and saw the following Default: Arrow Global Limited Credit/Store Card Balance of £797.00 Account started 10/05/2001 Account Settled 01/12/2015 He emailed Experian for details as he didn’t recognise the account. Experian responded saying that Arrow said "Account relates to a Monument Credit Card which the customer took out on 10/05/2001 and defaulted on 01/12/2015. Arrow Global purchased the account on 22/12/2014”.
  9. Sorry, I did see that at the bottom of post 7 but I thought it was a joke/signature! As you can tell I am not the sharpest but thank you for responding again and reiterating without getting annoyed! I did gather info from other forums as well as CAG and must have added the "deed" bit in from elsewhere. I don't know why I did this as once I came across CAG, I saw that it was the only place where there's fully comprehensive, factually accurate information and this led me to post here! I haven't bothered looking elsewhere since and am grateful for all your
  10. Sorry, I meant the Notice of Assignment! So should I write to Wescot and if yes, could you please briefly explain what I should respond with? Thank you Gee
  11. Apologies for that and thank you! Corrected post. Hi, I received a letter dated 23 October 2019 from Wescot which I have attached. They also sent me statements from November 2012 - November 2018 but failed to provide a signed true copy of the deed of assignment of the referenced agreement. Should I respond to the letter as Wescot are saying they "believe the dispute has been resolved" which is incorrect as the CCA has not been provided and that "the outstanding balance is due and payable"? Many thanks, Gee Wescot
  12. Hi, I received a letter dated 23 October 2019 from Wescot which I have attached. They also sent me statements from November 2012 - November 2018 but failed to provide a signed true copy of the deed of assignment of the referenced agreement. Should I respond to the letter as Wescot are saying they "believe the dispute has been resolved" which is incorrect as the CCA has not been provided and that "the outstanding balance is due and payable"? Many thanks, Gee
  13. Hello, I have a query about a Capital One Mastercard that I applied for online two weeks ago (I can't remember the exact date). I was approved and the pin and card arrived a few days later. I immediately began using the card and made the following transactions over 3 days: fuel approx. £80.00 online purchase for a rug approx. £80.00 online purchase perfume at Boots approx. £75.00 online purchase candles approx. £15.00 online purchase light fixture approx. £40.00 On evening of Wednesday 23rd October 2019, I went to place a
  14. Hello, I am enquiring on behalf of my partner and would appreciate your help. She opened a Barclaycard account on 02/12/2015. My partner made a couple of payments, missed a couple then made a couple and by October 2016, had missed 6 consecutive payments. Her last payment was April 2016. This is according to her Experian report and sounds about right. The account shows as Date Settled 24/02/2017 and then Hoist Portfolio Holdings took it over on this date. My partner doesn’t remember receiving any letters from Hoist Portfolio Holding
×
×
  • Create New...