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Foolishly

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  1. I requested All Data on both letters, but before I sent the requests I knew there would be issues in receiving the data and had no doubt l was going to struggle to receive it all from them or at least anything the did not want me to see I wouldnt be getting. Some things received do confirm my initial belief and findings and that the actual landlord was not involved in the court proceedings what so ever. it was the agent and DMC all along the docs signed vary in the way signature is never same. One document that they never included was the alleged deed to purchase the debt, I already have a copy, what is very obvious on it is that the signatures have been pasted on to a blank piece and the deed then printed over, how do i know, well quite simply when you sign a document you sometimes write (not intentionally) over the top of words, but you cant write underneath words already there contained/printed on the document. If that doesnt make sense, sorry its very hard.to explain, but it can be noticed. Its not even lined up correctly.
  2. Thanks so much I appreciate your advice and thankfull for your knowledge, i will create the spreadsheet as advised and wait to receive my data. Im so glad you said they terminated early as I had a feeling things were not right when they hadnt even sent a notice regarding the termination, up until that point I had contacted them they then sent the letter to inform me. As soon as I get the info off them ill be back on with news.
  3. Wow, thanks for your advice and information its defo been taken on board this time. I will scan up my info when I get home soon. I feel a bit at ease now you have confirmed things. The order does in fact state 'Money claim adjoured generally with liberty to restore' Which I assume means (please do not shout at me if im incorrect in my assumption, but any correction will be duly noted) the claim is suspended but the claimant (Moneybarn) can submit an application for another hearing to reinstate the claim. consent order 3pgs -1-compressed.pdf
  4. Yes noted thank, I understsand the part of them having to apply to the court but Is it they apply to the court to enforce the suspended judgement I will be notified to attend a hearing or is it just an application they submit to the court with no notification sent, so bailiffs or recovery agents as I believe they use can attend at my address. What is also increasingly concerning to me judging by previous posts Ive read, Moneybarn are known to simply ignore the rulings from court and do not follow the procedures they are required to do, but in turn use their own methods! If my own experience is anything to go by were they ignored the procedures for termination on the back of a DN, im wondering if im due an unprecedented move on their part, should I be worried, are they unpredictable. If I had been aware that this company should be given a wide berth back in 2016, no way would I have entered into anything with them, especially when I found out that they are connected to provident, whom I have read over the years some of their profound methods in pursuing their clients to recover debts (extortionate fees and interest rates). At least its taught me to research company and check noted reviews before I even consider completing an application.
  5. Hi Im waiting for moneybarn to send me my data however today I have received an email stating :the informal payment method has failed" therefore I am required to pay the full arrears amount of £792 by 11/12/19 failure to do so they will instruct recovery agents to collect the vehicle. The amount of arrears they state has accounted for the 240.82 just paid for November. The amount of 551 is the amount I dispute. If I had the 551 I would pay it to get them to back off. What if anything, can I do to stop them arranging recovery agents
  6. No same address and same email account. The details they have are all still the same. I was only concerned as the template I used off this does state If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return however, you are not entitled to impose any formality upon me or to require that I complete any particular form or template before you comply with your statutory duty. It also informs them I an requesting All Data, the form they sent requests that you input soecific dates.
  7. I have now received my acknowledgement from Mr Lender ref my SAR request. They are requiring me to complete a lenghty as they call it SAR Form and until I do and return this to them the 1 month period for them to comply wont start. Can they do this, stipulate conditions on their obligation to comply? I understand the need for a form of ID, but this in my opinion is an intrusive application form.
  8. Do you think my mortgage was altered incorrectly as it was a 5 yr fixed rate,? My reasons for asking is simply I no longer have the property, it was in fact repossessed in march 2012 by YB. At the time I gave up fighting them as my mental health wasnt the best due to post natal drepression hence I had to resign from my employment. But its always been bugging at me to get advice. the added charges plus interest with the inflated amounts, plus adding their insurance plus interest gave an overall inflated (regardless of amount) end arrears figure to the court. The final balance given to the court was grossly overstated by them anyway as they gave the full redemption amount in their figures and it was in fact ending sept 2012 so only had 6 mths left , this all looked as though the property had negative equity, (it never as i already had 9,000 discount applied wen I purchased property) and I was scolded by the judge for my lack of responsibility, however having not been allowed to speak and address the hearing in the first instance, I just sat lowered my head and cried, my self esteem was already at a low but for a complete stranger to attack me that did tip me completely over edge. They sold property 4mths later for £34,000 less than property originally valued in 2007 and I had added to the value since purchasing with loft etc. They sent me the final charges, wow how they lie, £8,000 added for various things they allege, over £2000.00 ground rent & service charges - on what! You dont get to see any valuations etc, all charges added did not match what their current charges at that time stated. Their starting figures on the mortgage didnt reflect what they claimed in court and the mortgage redemption amount only £1600 3 months after they had passed off the full figure to court. i wrote to the solicitor to dispute, question and query the £41,000 shortfall, they never replied, I received letters from YB chasibg debt, I ignored them. Then after they had sent me the letter regarding refunding charges in 2017 (it reduced their debt) I received one letter stating the new shortfall amount then nothing for 2 yrs. It makes me more determined to find out more. They have 12 yrs I believe to reclaim the debt from me, but what if?? They are quiet as they stumbled across their mistakes and realised their breaches in the mortgage, while checking my account to refund the incorrect and erratic different amounts month by month (25.00 sometimes 32.50 which isnt even stated as an amount) charges and are hoping I havnt a clue so I dont start questioning things? Could it be possible I was wronged by them and if so, wouldn't I be entitled to some form of compensation or at most good will. Any thoughts?
  9. Should I write to the company who complied with my recent SAR request but have withheld some I recently reveived documents from a SAR request that is missing the vital information from 2013 and 2014 early part of 2015 from the notes/activity section on their system. It appears in July 2015 the information started on a new account as it states "balance transferred from Act 6" they have provided some copy documents and emails from the missing yrs but not all of them and have also sent different versions to ones originally sent to me (strange). The notes they log on to the system automatically- time stamps date time then they input what action or note user name automatically is logged (I would presume) the data I have received should in theory be in chronological order if im correct in presuming as its the data file created from the stored info on the hard drive of their computer system, however the data sent is erratic and skips to one year then back to another. I do know the reasons they are reluctant to send the missing info and have more than likely removed some from the notes etc thats why its not in date order, but what they have sent does in fact give me proof of their participation in a fraudulent act but I need the missing data . They have already shown that there are previous years notes etc as have sent me some copy emails from that period. What can I do to make them comply? Any advice is greatly appreciated.
  10. Well I received my data from the DMC in a PDF file and post today, I thought I wouldnt get it, as the agents told the DMC not to release anything until they take advice as they 2 received my SAR request. Came back required ID, fair enough sent them a photo of my DL. If a request for ID etc.has been received I understand the 1 month requirement to provide starts once they received what it was they requested. agents after 5 days of the requests contact me to and request 2 certified copies of ID, fair enough however in a further attempt to delay they will only accept my ID by means of postal (absurd request) or I am to take it in person to their offices (as if). Not hopeful in retrieving my data from agent - must obviously be worried!! So I have replied and informed them, "I have no issues in attending the office as long as you do give me assurances that upon doing so will reimburse me my expenses of time and travel, as I think your requests is unreasonable, in order for me to retrieve from you, my data you hold and are obligated to send me should I request it" I did also refuse a postal version and stated that an electronic method is perfectly adequate and attached a PDF version of my DL for ID. Are their requests unreasonable? Looking at data I received its not consistant, missing information, different docs to what they originally sent me, no assigment paperwork that had appeared as though agreed in July 15. Interesting though they did use the transfer up service twice,(listing my parents telephone number as my contact) so to enable marstons involvement, and they received a detailed report from them about their attendance here, my information. Should I write to the company who complied with my recent SAR request but have withheld some I recently reveived documents from a SAR request that is missing the vital information from 2013 and 2014 early part of 2015 from the notes/activity section on their system. It appears in July 2015 the information started on a new account as it states "balance transferred from Act 6" they have provided some copy documents and emails from the missing yrs but not all of them and have also sent different versions to ones originally sent to me (strange). The notes they log on to the system automatically- time stamps date time then they input what action or note user name automatically is logged (I would presume) the data I have received should in theory be in chronological order if im correct in presuming as its the data file created from the stored info on the hard drive of their computer system, however the data sent is erratic and skips to one year then back to another. I do know the reasons they are reluctant to send the missing info and have more than likely removed some from the notes etc thats why its not in date order, but what they have sent does in fact give me proof of their participation in a fraudulent act but I need the missing data . They have already shown that there are previous years notes etc as have sent me some copy emails from that period. What can I do to make them comply? Any advice is greatly appreciated
  11. I will scan up some documents, if anyone could please check over them for me and let me know if my assumptions are correct. NPBS-Y_BANK.pdf
  12. I will scan up some documents, if anyone could please check over them for me and let me know if my assumptions are correct.
  13. Yes I have everything in relation to the mortgage It was a fixed rate 5yr mortgage taken out end of 2007
  14. I had a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%. first year ok, for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards. I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they 1. breach the terms & conditions of the mortgage contract. 2. switched my mortgage to a SVR. Any ideas appreciated.
  15. I rented a property from estate agents couple of years ago, looked nice on the surface, found multitude of issues, long story short, they ignore my requests to have it put right so i never paid rent (know I was wrong to do it). The actual landlord whom I was told had no access to property unlawfully evicted me and stole my belongings. Estate agent denied any knowledge at time police said civil matter. I moved to a new property and gave my forwarding info to them etc. the estate agents not landlord instructed their debt management co to issue court proceedings to addresd of the rented property where I no longer resided at, they used the landlord name and placed EA as a C/o for the lanlord and all correspondence to go to DMC. They got a judgement by default and had added all types of fees to it, it also enabled the EA to claim the deposit and I was unable to contest due to the judgement. I then received a letter from DMC along with copy judgement. The DMC enforced the judgement (even though this should not have been allowed). Marston’s sent a notice, I got the enforcement stayed and a hearing to set aside. Finally after 5 court hearing (even though the landlord had given an apparent excuse for not attending each time plus the judge informing EA and DMC they had no right to be at hearing) the rental debt was reduced accordingly to the state of the property. The eviction part and missing belongings however was not dealt with due to the landlord not in attendance. I was ordered to pay landlord (even though there wasn’t an actual rental debt as the insurance premium had covered any debt, but as landlord wasn’t there he couldn’t answer any questions). I was then again bombarded by the DMC whom I politely told to get lost. So once again they unlawfully enforced the debt using A defaced document and had added interest fees Bumped up the debt ( I found out months after everything they had altered a court judgement as they stupidly sent me a copy in error with paperwork, when I tackled them they told me it was none of my business). I got a hearing to stay the writ and the DMC turned up to be correctly told they had no rights to the judgement, enforcement stayed. Not happy with this action they then produced an assignment allegedly done months earlier, it isn’t even signed correctly and used this without my knowledge to get a judge to substitute the DMC on the judgement without any me having any Knowledge of the request being made. I know they have used fraudulent docs and presume the Money they gain is split between both. They tell me to stop asking questions because they don’t have to answer me anything as they own the debt. The landlord even cut ties with EA prior to court action. Even the original court statements from the supposed landlord are signed by EA with their name not the claimant/landlord. How can this be legal? Are they allowed to substitute a judgement without other party being notified? You can see the assignment signatures are not even originals simply by the way they go through the words that have been placed on top of them, nothig is lined up correctly. The witness signature isn’t even the signature of who it claims to be. Could I contest any of this, as seem to have used fraudulent means and action to secure funds for their own gain? I have sent 2 SAR requests off 1 to DMC and the other to the EA can they refuse to sent the info to me?
  16. Think Ive converted & uploaded correctly this time. This DN is totally diffrreny to the one marked on my CR FIle. Big difference from 2016 to 2018 (26/09/16 marked as the original DN date). 27th_Apr_18_DN.pdf
  17. Not sure if copy ok Just noticed the DN is for a totally different date from whats recorded in my credt file this is for 27/4/18. Not really looked at it properly as since August 2016 I have received emails every month some refer to their recent DN sent, some refer me to take action now to avoid the DN going further.
  18. What about the increased balance, are they allowed do to that? And the date of the default is somewhat strange as it states being after the date sold by Mr Lender. They also sent the following correspondence to me; Original Lender: PDL FINANCE LIMITED T/A MR LENDER You will have received a DEFAULT NOTICE - you should contact SLL immediately You were recently posted a Default Notice from SLL Capital due to your breach of payment as per your consumer credit agreement. As you have not paid the full amount or made a successful payment arrangement, you have broken the agreement. You now have 21 days from the date on the Default Notice to repay the full amount outstanding. If you pay this before the required payment date, no further enforcement action will take place and we will confirm closure of your account. If we do not receive the payment by the required date or an agreed payment arrangement, further action may be taken against you. You can arrange payment and find out more about default action on our website, please follow the link to our Default Notice Page: Their correspondence does suggest they are responsible for the default, however I have never actually seen one from them or the OC. I will request a SAR from oc, if however it has been sent from SLL is there anything I can do to have it removed. Thanks
  19. I was reading an old thread from 2018 reagarding Mr lender payday loan selling on debt to SLL Capital in the thread it gave reference to the fact it was impossible for the buyer of the debt to mark a default on a credit file and it must have been the loan company who placed the default on around the same time the debt was sold. I have a similar issue but it contradicts what was stated in the 2018 thread. Mr lender loan started 15/5/16 End date 17/8/16 balance 200.00 Settled They sold the debt to SLL Capital on 17/8/16 Account start date 17/8/16 Balance 344.00 Default 26/9/16 Are they now allowed to default a debt they purchased and increase the balance?
  20. Thanks, I have read the consumer credit act and I believe I am correct that according to their dates on the alleged DN (never received one) they have terminated early and have not given the 14 days required. It is also apparent my credit file has no record of one. My conern however: I am not sure what the best way is to approach this. Do I apply to the court as they currently have a Judgement, suspended as long as I adhere to the consent order. Complain directly to the governing body (FOS) or both? Would I have to write to Moneybarn? Thanks in advance
  21. Would there by anyone who can advise on my last post please and let me know if its worth asking for a copy of the default notice they claim to have issued, if there is any action I can possible take, or a governing body its worth complaining to. Thanks
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