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Foolishly

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Posts posted by Foolishly

  1. 49 minutes ago, Dodgeball said:

    There is mention of the default placement on the so called dn in section 4. But you say that by the time this was sent the marker was already on the CRA account, is that correct?

    Yes the CRA was marked sept 2016. The DN to warn of possible default action that I uploaded was received and dated in 2018, quite a big difference in the time periods.

    1 hour ago, Dodgeball said:

    Could we have a look at the original agreement please. Was this a copy provided under section 77 or a copy you kept from the application?

    Yes will upload the agreements 

  2. I never received a termination letter,

    I also never received any notice of assignment from Mr Lender.

     

    There is no mention of a termination,

    no reference to SLL Capital and nothing referenced to letters issued in the data received from Mr Lender.

     

    I did notice three copies of what I presume to be their Credit File search on myself,

    however 2 of them are dated 2012 and one is dated 2016, very strange.

     

    The data received states on the 16/08/16; written off- sold to DCA.

     

    My credit file entry states Mr Lender 16/08/16 balance £200 - settled.

     

    The entry from SLL Capital has the date it commenced 16/08/16.

    They state the Defaulted date as being 26/09/16 - balance £344.

     

    I never received a DN from SLL Capital to warn of the possibility of the account defaulting and nothing received to inform they marked my CF on 26/9/16 as defaulted.

     

    The first correspondence received from SLL Capital was on 18/01/17 and that was informing me they owned the debt by assignment, nothing prior to this date.

     

    After that date I received numerous emails on a monthly basis, to inform me of a recent DN issued from them and each one states 21 days from the default date to prevent the account defaulting.

     

    Seems to be something they do to scare people into accepting a payment plan.

     

  3. Thanks for reply,

    So im right in my assumption that SLL have marked a DN on my credit file unlawfully (as the original lender did not default the account) and I have a right for this to be corrected as they are only a DC who aquire the debt by assignment/purchase.

     

    Are there any previous posts you are aware of with similar situations I could read in order for me pursue the issue.

  4. Good afternoon, I know you are busy on this site and there are indeed more urgent pressing posts that need your immediate attention but I was wondering if there is anything I should be pressing on with or should have already done with regards to my MB issue?

    Have you any preliminary thoughts, issues found or any ideas on how to proceed from reading the Comms log and other docs?

     

    Thanking you in advance.

     

     

     

     

  5. Well at long last I received my data from Mr Lender and as I originally thought they did sell on to SLL with there being no record of them issuing a DN before the sale was completed. Therefore it looks as though SLL have indeed took it upon themselves to default the account and record it on my Credit File. I presume I can have this corrected and their DN mark removed. The original lender should have defaulted the account prior to selling the account.

    .

  6. 5 hours ago, BankFodder said:

    Of course not. We are very happy to keep everybody anonymous but as it happens your email address was contained on the PayPal notification and I have actually responded. Check your spam folder if you haven't seen it.

    If you don't get it – then thank you very much anyway.

    Yes I received your email thanks. Thats perfectly acceptable anyway, as its to my email address 😄😁

    • Like 1
  7. 6 hours ago, BankFodder said:

     

     

    Thanks to both of you for these kind messages. If you are able to make donations then of course that would be very helpful but we do realise that Christmas can be an expensive time for everyone.  Whatever you do, don't compromise your Christmas expenditure.

    I did donate but I did not send my email details/info over to you with payment as it gives you the option to do so, hope you dont mind me keeping things anonomous same as the site, 

    • Thanks 1
  8. A donation is the least I could do, without this site, the help,  advice and knowledge offerred I would still be in fear of that dreaded phone call or knock on the door. The team on here are amazing thank you so much for all the hard work and effort you all input to make this site work. Ive zero stress levels and not under the pressures I was before signing up. Will donate again before the new year. Thanks !! 😁 

    • Like 2
  9. The comms log is all scanned but the file is to big, and ive compressed a version of it but the quality is then rubbish, so if you dont mind waiting till tomorrow as ive emailed the pdf to myself at work to sort it out in morning first thing then ill send it o you, want to make sure the pages are all readable as I have scanned them using a mobile scanner, not the quickest way took me a few hours, but gets the job done. Im uploading the agreement in the meantime.

     

    Sorry for delay 

    comms+statements.pdf MB conditional sales Agreement.pdf DN.pdf letters.pdf

  10. Surely the consent order should not trump it though, as that was only agreed to on the back end of the action by Moneybarn  in the first instance, issuing the DN, adding extra charges that were incorrect and terminating earlier than the stated 14 days, that would also of been in their favour and beneficial to them to terminate. 

     

    I will scan up the com log today for you, do I need to blank everything off thats referenced to myself?

     

    Thank you for your advice and help its greatly appreciated , I will donate to the site this week regardless of the outcome to my issue, as its the least I could do this sites helped me with other issues.

  11. Sorry for delay 

     

    The comns log is over 70 pages, shall I scan the relevant pages for the interim and if you need any further parts I can scan them later on 

     

    The comms log is in total 71 pages, do you need all of it or just the relevant parts to begin with

     

    Whatever would be the better option for you, if im sending it direct to you, do I have to blank everything out

     

     

     

     

    statement_4_pages-12-15_23-18-55_(1).pdf letters.pdf

  12. I received my data today, very confusing at first glance

    some abbreviations I don’t understand

    but one thing is clear they have no regards for court orders and do fabricate a lot of the information.

     

    They enclosed a default sums notice dated 15/01/17 in connection it states to a failed DD on 10/01/17 (no direct debit was in place) it appears not to have been generated on the system as there is nothing on the account for this date.

    on 18/01/17 an entry was made to state – A default sums letter has been printed.

     

    8/02/17  activity – letter /  subject – Notice of Arrears Sums / comments – A notice of arrears letter has been printed.

    This was the letter received with 2 copies of the same letter and post marked 10/02/17.


    state there had been a lot of failed attempts by phone to contact me (none im aware of).

     

    On 10/2/17 an entry states activity- system generated /subject-Default Notice served charge/comments-Default notice served has incurred a charge of £18.


    The next  entry: activity- system generated/subject-attempted to contact customer/comments-contact attempt 1(collections)

    Default Notice/notes- arrears £535.64 letter sent: 10/02/17 letter expiry date: 02/03/17.


    I will upload a copy of the default notice they have enclosed alleging it was sent on 10/02/17, but this is the first time I have seen it and I unless Im reading it wrong they mention a charge raised for the default but no mention of a letter printed etc.

    It Includes added charges but the worse of it is the charges it includes were not even sent to until around 15th as there is an entry dated 15/02/17 activity- letter/ subject- default sums letter/comments- a default sums letter has been printed.

    The copy enclosed is dated 15/02/17 and is in relation to the following default sum been charged

     

    10/02/17 DN served £18


    08/02/17 DD failure £18


    On 2/3/17 they terminated the agreement but never sent me any termination notice, this was only received after my call to them on 8/3/17, which I made due to emailing them on 7th at 0731am, regarding the account, and receiving a reply at 1650pm to give them a call as my contract was terminated.

     

    In the meantime that day they had sent their recovery agents my details to recover the vehicle.

    They even lied in the paperwork sent to the recovery agents.


    I think maybe the fee for recovery agent is lurking on my account, when they cancelled the recovery it states on the note to them, bill this account £300.


    claim to have issued a DN which also includes additional charges but the entry informs the charges were notified on a letter after the DN issued.

     

    They termination 2/3/17, which even if I had received the DN is earlier than the 14 days requirement.

    I had also made an £80 payment on the morning of 2/3/17.


     

  13. OH dear,

    I have been incorrectly checking my payments to the balance owing on my account 

     

    after creating the spreadsheet you recommemded it was apparent and I could see exactly what the confusion has been on my part but with Moneybarn playing a part too.

     

    The statement they send out has payments that I have made in total at the bottom, but it also includes the £530.00 I paid in Feb & Mar of the year they terminated.

     

    when they added their charges and court costs to the account the starting balance is slightly short of the original balance,

    this is what has been misleading to me and I truly believed I was up to date, due to the statement giving me the impression of I was up to date.  

     

    I do not understand why Moneybarn could not explain the account and show me how or why I am £551.00 behind when I have queried this constantly with them for 12 months plus.

     

    I dont know what my next move is,

    they said I have to pay the arrears by 12/12/19, but theres no chance I can,

    Ive got this month due on 16/12/19 to pay which will be paid. 

     

    They have until 24/12/19 to comply with my SAR request.

     

    Should I email them to explain why I have been incorrectly calculating my account?

    Should I offer to pay the arrears off with my monthly payment?

     

  14. Just thought would update, agent still refuses to comply with SAR,  stating they are perfectly entitled to requests the sight of certified copies of my ID as advise by ICO, when asked for contact information at ICO who gave this alleged information, I got no reply?????

    SAR  req made 16/11/19, took them 6 days to reply asking for ID, just delaying at every option.

     

    As for the first data received from DMC I am in process of contacting them to request 2 yrs data missing, an explanation for the content received which makes no sense and erratic layout plus querying the documents that differ.

  15. Hi 

     

    I have again received an email from the agent I sent a SAR to, reitorating his previous requests for certified copies of ID in the manner he stipulated I must send them, and to remember the 1 month wont start until he is in receipt of.

     

    Just attempts to delay or try and refuse his obligation to provide. Email states;

     

    Following further consultation with the ICO, we would again request that you provide us with certified proof of your ID and your current address (or sight of the original documents) before we commence the Subject Access Request process. Please also be aware that our obligation to fulfil your request within one month does not begin until you have provided us with the information requested. Our obligations with regards to proof of identity are laid down by our regulator not ourselves.

     

    I sent my DL on 22/11/19, but they wont acknowledge I have provided my ID as they seem to want me to attend their offices in person with my DL. The ICO advises;

    Can we ask an individual for ID?

    If you have doubts about the identity of the person making the request you can ask for more information. However, it is important that you only request information that is necessary to confirm who they are. The key to this is proportionality.

    You need to let the individual know as soon as possible that you need more information from them to confirm their identity before responding to their request. The period for responding to the request begins when you receive the additional information

     

     

    They have no issue with my identity just delaying.

     

    What would be next step??

     

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