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  1. How else could one have delivered a CCA request for free to them with an easily referred to record? They said my account is no longer on hold, how should I redirect them back to the CCA request to stop harrassment?
  2. So I just replied saying I had no idea what they were on about in terms of fraud but the cca request was well over due, and they have replied with the below, I am just conscious of being careful with how I reply. I just want them to stop harassing me "Good Afternoon Thank you for your email. We can confirm we do not have your consent to discuss this matter with you on this email. Security of our customers' data is of high importance to us therefore to enable us to discuss this matter with you over the email, you are required to reply to this email and confirm the following information in full. Please Note: without this information we cannot respond to your request: * Please confirm you are happy for us to correspond with you by email going forward * Your Date of Birth * First Line of Address and Postcode/Any Previous Address and Post code. Please Note: By confirming your identification and verification check you are giving consent to communicate with us via email. Your email address as well as your personal data and email correspondence will be stored on your account file for future reference. Your information will remain confidential within Capquest. For further details on how we process data, our privacy policy can be found on our website:"
  3. I tried so hard that time too, all good this time. Hello So update on this, after silence from them for some time, I receive the following letter. Where the devil have they got the fraud thing from? I sent them a standard CCA req. Would I be right to redirect them back to the CCA? Many thanks IMG-20211122-WA0031_Redacted (1)_Redacted.pdf
  4. So an update on this case, wrote to MC to ask them to accept an offer to bring the account up to date, then accept a token payment offer due to Covid situation, to save the messing of n245 etc. They then misread what I had put and started demanding more than what I could pay, and the letters got out of control again. I raised a complaint over their lack of being able to keep on top of what they were sending me, refusal to take a payment against the account and refusal to issue documents digitally when requested (income and expense in this case). They admit they had misread the income and expense forms back in March 2020, which led them to contest everything I had said after that point. They however don't feel despite this that the notice of applying for warrant of control was out of order. whilst they have offered something, I just wanted to check they are not having the pants off me still. I feel the admitting they were wrong but that they were fine to still harass for larger amounts is a cop out on their behalf? I have attached their response which probably explains it a bit better than me trying to elevator pitch it. COMPFREML_33799221_20210212131023366 (1)_Redacted.pdf
  5. first became aware when the judgement was issued and letter turned up explaining that around october time, was not aware of CCJ proceedings would have done everything to stop them had last lived there about 3-4 years prior to this no, used to be terrible at this sort of stuff, trying to get on top of it all now
  6. I haven't got a copy of the CCJ to hand, attached the claim form it was a default judgement issued to my mothers address yes, i was on the roll there at the time 20200914_174923.pdf
  7. County Court Judgment was obtained on 07/10/2019 and the first payment of £50.00 per month was due by 04/11/2019. I wasn't aware of the goings on at the time due to moving around and the CCJ got issued and the balance started building up with out my knowledge, when I finally got on top of it, we went into lock down, with mortimer clarke placing my account on hold due to the virus. Coming out of the hold period, I have informed them my circumstances have changed since the CCJ was issued (mainly I am now on Universal Credit having lost my job due to the virus) but rather than try and settle on a smaller repayment fee for the foreseeable, they have placed my account on hold for another 35 days whilst I seek debt advice?! Where do I stand with this? Do I HAVE to pay now the CCJ has been issued? Why are they refusing to accept my payment offer within my means? This is mortimer clarke on behalf of cabot
  8. I was worried it would be another long battle trying to unravel a settlement as admittance is all, apologies if the question seems somewhat airheaded, but these are the original shysters this lot are they not
  9. Apologies, chain of events is - none stop harassment for a few months over an old unknown/unaware debt - Complained to capquest due to harassment and asking them to prove it with CCA - Capquest admitted harassment and issued cheque for compensation considering the matter closed, but also said they were still looking for the CCA, but asked me for a copy if I had it - radio silence since the cheque was issued and i'm wondering if they are waiting for me to cash it to apportion liability for the debt? this has been ongoing for months, and I wanted a speedier resolution than waiting 2 years for it to disappear off my credit file, hence why I actioned the CCA req myself etc.
  10. They have responded to my SAR by asking me to confirm my name, DOB and address, I'm curious if I should or not? Also if I cashed a cheque they gave me in view of settling a complaint, I would not be admitting liability for the debt would I, and the request for the CCA would still stand? They have gone silent since their last mail out on this subject.
  11. Apologies, I use the terminology flippantly. I have sent them the cca request. They are choosing to ignore it. I have took heed of your advice many thanks.
  12. Arrow Global added the balance to my credit file on April 20th 2020 after me sending the prove it letter, it wasnt showing up until then? As for the CCA return this is my point, the allotted time frame for them to present me with it has expired, and they have failed to do so, so what should I do?
  13. TSB standard Credit Card last used I presume around March 16 before the May 2016 default, would have took it out the year before. My concern about ignoring them is, they added the debt to my credit file AFTER I asked them to prove it, so at a stage were I cant really ignore?
  14. Today after further reading around here. Should I give them a chance to respond to the SAR so I know what info they have? Is this the point of divergence so to speak?
  15. I made a formal request for them to prove it, during this time, they finally stopped harassing me, however kept asking me to provide the very documentation I've asked them to provide proof of. They have come back just before the end of the 2 month time frame in which I officially complained about them failing to produce the CCA, stating they are refusing to uphold my complaint and are still waiting to hear back from TSB with a copy of the CCA, they claim in the letter that they have a record of a call in which I claim to be aware of the balance and I had an intention to start making payments. I have SAR'd them to find out the basis of this, if they don't have a recording I presume its not enforceable as evidence? My argument would be I would have presumed this was another debt I had ongoing at the time, which I am currently in a payment plan for. In their response they did however admit their contact was harassing and offered a £100 cheque in compensation for this. I have simply responded with a separate SAR and don't know where to go if they are ignoring my CCA request? Should I go the ombudsman now?
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