Juandy
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Everything posted by Juandy
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Sorry, your advice is invaluable, so basically with all the dcas I have ceased payments to just wait with a response from them
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Didn't realise at the time. Cover letter with financial statements were probably signed. Initially dealt with citizen advice ,they had standard template letters which were possibly also signed. Is this serious bad news.
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As regarding sig. They probably already have them from previous correspondence. Is that a major problem
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Cheers for reply, reassures me. Fingers crossed, let's see what happens
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Ok, but Wont the dca get them from oc. Sorry if I'm not quite getting the grip of ot all, but it is a bit worrying. Thanks for all your help and advice again dx
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They have failed the time line and I have already ceased payments. I have just been through rest of sar and similar doc exists for cc.
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Thanks, what should I do now, will they not get that doc now from oc
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Cabot and Halifax (IF) bank OD debt i've been paying for 7yrs
Juandy replied to Juandy's topic in Intelligent Finance
This was the only other relating to charges customer notes.pdf -
Cabot and Halifax (IF) bank OD debt i've been paying for 7yrs
Juandy replied to Juandy's topic in Intelligent Finance
Ok, will do.. Could not see any other charges or fixed penalty notices. -
Cabot and Halifax (IF) bank OD debt i've been paying for 7yrs
Juandy replied to Juandy's topic in Intelligent Finance
Cabot -
Cabot and Halifax (IF) bank OD debt i've been paying for 7yrs
Juandy replied to Juandy's topic in Intelligent Finance
I have looked through them and can only see monthly interest added. Everything is in abbreviations. There are DNT1 transactions which stands for overdraft interest charges (current accounts only). Some of these have a - next to them. Are these what I'm looking for -
Received sar from Halifax bank for current account. Pages and pages of statements. What am I meant to be looking for out of all paperwork sent.
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Ok, thanks. So just ignore until they produce cca
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cca response.pdf
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Doesn't appear to be a cca agreement, having looked at examples. But letter mentions nothing of being unenforceable like other responses I've had from other dca's Letter says find below statement in relation to your running account credit agreement which is regulated by the cca act 1974.
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Recieved response from cca request to capquest which is a periodic statement, stating original account no. & dates of original agreement and assignment to capquest. . Should I just ignore this and cease payments until a genuine cca is produced
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Ok dx, I shall just continue to pay this one... I will update you on where I am with others when i get all replies. Thanks again for your help....
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Currently paying £8.50 /mth on balance of approx £4k. Would it be worth offering a f & f settlement offer.
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So should I continue to pay monthly but directly to rbs
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Received rest of statements. Also included all ppi info, claims and refund details. Cca agreement included. Statements going back to March 2006 purely contain repayments coming off balance. Feb2006 - 2002. Consist of statements with purchases, interest charge and ppi payments. Only one other charge is late payment fee on nov 2005 statement.
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Ok dx, thanks for your help once again. I will see if they respond to my email request and if not I will try ringing them again.
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Can wait to see if hear anything else from email I've sent. But if reply is same what's my next move Think account was actually moved to recovery team in 2008, but only sent statements from January 2011. No sign of cca in sar report either
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Rang RBS, bit vague but said statements were only kept for certain period and what they've sent is probably all they have. Sar request details were done online and sent by email. I have replied via email but not had a reply as of yet
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The only other thing on any of the statements is a ppi refund paid off balance in 2012 for premiums paid between 2002 and 2005 Have requested earlier statements, looks like account originally opened approx 2002
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Not sure probably around 2006-8. 1st statement they've sent is Jan 2011 and just say balance brought forward from previous statement. Only appear to have sent statements after going on payment plan
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