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paulandberyl

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  1. Hi I have a letter from a bank that says "the balance of the account was charged off 0n 18/06/2002 and the balance as of that date was £0.00" Does anyone know what this means. Thanks
  2. Forgive me for asking as this may have been covered elsewhere. Does anyone know what information should I get in a SAR. Should I receive copies of all letters I have sent to the bank and what they have sent to me. Should it include letters received from solicitors etc. If I should have received these then what points of law can I use against the bank if any. The reason I ask this is because I received about 20 pages of info for an alleged debt going back over 20 years. They have sent me info going back to 2001. About 90% of it is full of codes and abbreviations. Any advice will be gratefully received. Thank you.
  3. Sorry again. I will get used to this eventually. Here goes:
  4. Hi silverfox1961 Sorry about that I am not used to uploading this sort of thing. I have put them on photobucket as suggested. I will now try and put the link on for this. Thanks
  5. Hi. I don't know if I am in the right area but I wondered if someone would look at the letter I received regarding my SAR request. Paragraph 3. Any thoughts on this. If they cannot locate the original then I thought they were supposed to send me a reconsituted agreement. Pare 5. They say they have no record of any telephone calls and yet they have sent evidence of phone calls. These have abreviated comments of things I was supposed to have stated. Para 6. I thought they were supposed to supply copies of default notices etc. Para 8. I thought they were supoosed to supply information and not me. Para 9. So they don't keep anything before 2001. Surely they should. Last Para. They did not supply any explanatory notes. Most of the stuff they have sent me have abbreviations which I cannot translate. Does anyone know if they should have included copies of letters I sent to them or that they sent to me and third parties? Also does anyone know if there is anything from the above that goes cotrary to the data protection act. I appreciate your time and thoughts. Thanks
  6. Thanks for all your help. Sorry but I think I have misled you all. Unfortunately this was over 2 years ago. I mentioned the situation to the ombudsman at the time but he said they had done nothing wrong. Anyway, the ombudsman saw against me even though two of his adjudicators saw im my favour. Just going to have to wait now for the bank to give me a good pasting.
  7. Does anyone know what the law is regarding a debt that is in dispute and the creditor getting a debt collecting agency to chase up the aleged debt. Thanks
  8. Does anyone know what the law is regarding a debt that is in dispute and the creditor getting a debt collecting agency to chase up the aleged debt. Thanks
  9. Another request for a copy please Paul, it will really help me. Thanks
  10. HELP !!! FOS Descision - Answer needed before Friday 22 October Please can someone help. This is a bit long winded but I will try to keep it short as possible. I had been paying all my creditors a small amount each month. This was due to being totally dependent on benefits. I acknowledged all the debts except one. This particular bank was offered a Full and final settlement offer but they declined. Around 2006 I realised that this debt was not mine. Before that I had been paying this bank a small amount also. Although it was stupid to do so if I didn't acknowledge the debt. in mitigation, I did so because I had been ill for a number of years and the amount was so small, about £2 a month. I asked for the credit agreement but they could not produce it because the debt went back to the 1980s. On the advice of Trading Standards I involved the Financial Ombudsman Service. It has taken a number of years for them to the outcome to the conclusion that I must owe the debt because I had been paying. They have now given me until Friday, 22 October to say that I acknowledge the decision or not. They say that the bank should accept this am I originally offered in full and final settlement. I cannot accept what has been said. Also the fos has not looked at all the evidence I provided. The latest advice be the OFT is that although the debt is not enforceable the bank sent me a default notice and register the default with a credit reference agency. I don't want this to happen because I might need credit in the future. Again I state that I have no knowledge of this debt. I paid off all the other debts and one of them was larger than the one owed to this bank. I appreciate any advice given even if it seems yoor eyes that the fos is right.
  11. Hi rebel 11 Thank you for your encouragment. I asked the ombudsman for extra time and says that he cannot do it and his decision is final. I forgot to say but 2 of the ajudicators saw against me and 2 saw in my favour but it was the ombudsman that made his final decision gainst me.
  12. Hi Silverfox1961 Thanks for your reply. Sorry I didnt mention it but the decision is by the ombudsman and is final.
  13. Please can someone help. This is a bit long winded but I will try to keep it short as possible. I had been paying all my creditors a small amount each month. This was due to being totally dependent on benefits. I acknowledged all the debts except one. This particular bank was offered a full and final settlement offer but they declined. Around 2006 I realised that this debt was not mine. Before that I had been paying this bank a small amount also. Although it was stupid to do so if I didn't acknowledge the debt. in mitigation, I did so because I had been ill for a number of years and the amount was so small, about £2 a month. I asked for the credit agreement but they could not produce it because the debt went back to the 1980s. On the advice of Trading Standards I involved the Financial Ombudsman Service. It has taken a number of years for them to the outcome to the conclusion that I must owe the debt because I had been paying. They have now given me until Friday, 22 October to say that I acknowledge the decision or not. They say that the bank should accept this am I originally offered in full and final settlement. I cannot accept what has been said. Also the FOS has not looked at all the evidence I provided. The latest advice be the OFT is that although the debt is not enforceable the bank sent me a default notice and register the default with a credit reference agency. I don't want this to happen because I might need credit in the future. Again I state that I have no knowledge of this debt. I paid off all the other debts and one of them was larger than the one owed to this bank. I appreciate any advice given even if it seems yoor eyes that the FOS is right.
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