Showing results for tags 'request'.
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Good afternoon everyone, I sent off a CCA Request to Santander regarding a Debenhams store card, and got the following back. Does this mean they do not have an original copy on file. The card was originally run by GE Money and sold on to Max Recovery after I took out an IVA in 2012, or should I have written to GE Money or Max Recovery. Any help appreciated. img004.pdf img002.pdf img003.pdf
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Vanquis CC debt + Lowells + ** WIN **
notodebt posted a topic in Provident and associated companies.
Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell -
Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this removed? After also checking my credit file I notice that the original default placed on my account by 118 was not placed until 28 months after the account went delinquent despite ICO guidlines which state that 'accounts should be defaulted 3-6 months from last payment date'. How do I go about getting the original default accurately recorded to early 2016? (Giving me a clean slate in early 2022) I would like to thank you ever so much for taking the time to read through this thread and any input will be greatly appreciated. -
Hi long time reader, first time poster. I requested a CCA from Lowells in October of last year relating to a Llyods/TSB credit card debt. The card in question was taken out in April 2004 and fell into default in late 2012. 4 months later they have sent me what appears to be a copy pasted set of terms and conditions and a copy of the last years worth payments to the account. The terms and conditions have an error in the address I was living at when the card was taken out, they've used the postcode for an address I was living at 10 years later, otherwise it's correct. There's also no date for when the agreement was taken out, nor is there a signature (I'm unsure if this is required or not). Would I be right in thinking that a reconstituted CCA is only valid for debts after a certain date? I would be grateful if someone could take a look at the attached PDF to see if what I received meets the requirements of a CCA request and if not, what do I do next? 2017-03-07_12-43.pdf
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Hi I need some advice about requesting a CCA ive got a ccj more than 4 yrs old I'm being threatened with a warrant of control from restons unless I fill in a expenditure form is there any point in requesting a CCA the original debt is from around 8yrs ago and I've never responded to any letters or paid anything Would like to get some info on this Thanks in advance -
Hi I'm helping a family member with regard to a PPI claim. They don't know if they've ever had PPI and most of the accounts are closed. She has no statements and cannot afford to pay £10 for a SAR for all of them. I've noticed that banks have an online PPI checker. My question is - will the banks tell the truth? As you can see I'm very sceptical about banks. Thanks in advance.
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Santander have rejected my PPI claim (store card) from 17 years ago on the grounds they believe it was sold in a proper manner (over the phone - which it wasnt - as I signed-up in-store with an agreement the assistant ticked for PPI) and was offered as optional and appropriate for me etc etc - which I absolutely disagree with. I have issued a SAR - but already do have copies of Agreement and statements etc. Unsure of whats best as next move - do I escalate issue with FOS (that I'm not hearing good reports about!) or small claims action? The amount of money involved is probably fairly small (circa £200 in PPI premiums?) Any thoughts appreciated! -
Hi guys Around 2 years ago, I asked Cabot for a CCA request for a loan i had. They said at the time that they couldnt find the documentation so it was not enforceable. Ive recently had a letter form them saying they have now found this CCA agreement and that the debt is now enforceable! Theyve sent me a reconsituted copy but im wondering if this is now a debt i have to pay? If you look at the scan ive added, it looks like the document is missing something, and also surely there would have been more than 1 page of t&c's?? Is there not a time limit that they have to provide me with the CCA or its not enforceable? i ve read they committed an offence but that doesnt really help me in this situation Anyone know if this is now a debt again? i cant find anything similar to this anywhere thanks Scan 1 copy.pdf
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Today I received in which looks like usual fob off letter from barclaycard rejecting my initial claim for unfair charges totalling over £240. All my charges were for £20 and a one-off charge of £40. In their letter they state that their charges of £12 are in line with their actual and estimated costs etc and are printed on back of statements each month. What next - do I reply mentioning the above statement and what I have been charged ? Thanks for any help
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NRAM can i send an SAR to NRAM for details of a repo from 2011?
lisadp1970 replied to lisadp1970's topic in General
Hello I need to make a Subject Access Request to NRAM regarding the house repossession we went through back in 2011. I've looked on their website and it's very vague what I need to include. The mortgage and property was joint with my ex husband so does he have to agree to me doing this? I need these details urgently as my local council won't let me go on their housing register until I can prove the house was repossessed and not sold for profit. Thanks for any help Lisa -
NRAM can i send an SAR to NRAM for details of a repo from 2011?
lisadp1970 posted a topic in General
HI I had my house repossessed in March 2011 and have lost all the documents from the mortgage company and court with the details on and urgently need these so I can go on my local councils housing register. The annoying thing the homeless prevention team at the same council were given copies of this at the time so they could help me and my family in getting a new home but the part that deals with putting you on the housing register says they can't speak to that department to get these details, they need to see the documents for themselves (just being bloody awkward if you ask me!) Would I be able to obtain these from the court or the land registry or do I need to get in touch with my old lender (Northern Rock?) Thanks -
New here, been reading some posts, but so much info, getting confused.. Well over 10 years ago, had 3 Credit Cards, 2 were with Barclaycard directly, another via another company, but at some point Barclaycard took that card over also... In the last 5 years at least have had a payment plan with Barclaycard with all 3 accounts, as I could no longer afford the monthly amounts along with interest, in Dec 2016 Barclaycard passed 2 of the accounts over to Link Financial, paying one at £50.00 a month the other at £100.00 which is what I was paying Barclaycard In June this year Barclaycard passed the last one to a Hoist Portfolio Holding Limited, who in turn immediately passed it to Moorcroft Debt Recovery Limited I own £1866.75, was paying this at £53.00 every month to Barclaycard, they now sending Letters asking for payment/flexible approach etc What upsets me about all this, I've never missed a payment with Barclaycard, may be a date but doubled it with the next one, my bank account goes from Black one week to Red the next.. So have no spare cash to play around with, Barclaycard was getting their money back, just not quickly. Now have payment details with Moorcroft via account details, web page etc, not yet contacted them, but don't what to fall behind with them just to incur interest etc, so making the amount owed even more & will then take me even longer to pay off.. Can anyone please help me, not sure what to do...
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I saw a film last week and did not like it at all. Left half way through the film and the theatre refused to refund me stating I had sat through more than 50% of the picture. I want to just go back and get my refund with BC. Any idea where to begin?
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Hi There. My wife has just received through the post an attachment of earnings form from the MCOL Business centre. A CCJ was awarded in default as was sent to a previous address. My wife only found out about it when she received a Noddle credit profile change notification. She spoke to Robinson Way who advised it was issued at a previous address. She gave them our new address and interestingly the attachment of earnings form has come through to our current address. Details of the debt: Original creditor was Egg (so suspect any CCA would be "interesting" to say the least) Default was issued in 2012 according to her credit report Original agreement was taken out we think in about 2006. Balance was about 1650 CCJ balance was just over 2.5k (plus now another £110 attachment of earnings fee added) We are convinced the debt is statute barred as my wife is convinced she hasn't paid anything towards this for a long time. I know we need to look at getting this set aside but unfortunately we cannot afford the fee to do so, and we don't fall into the category where we can have the fees waived. Is there any other way around this? Surely they would have records and would know when the last payment was made, so if so then is this not an abuse of court process by submitting the claim? Any advice on next steps would be greatly appreciated. -
Does lending money to a friend create a legal contract..
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I have response from Cabot to my CCA request. This is for Barclays loan (36K) which they bought in 2010. they do not have information on file and have requested said documents from original lender. they acknowledge the 12 day time limit but state they hope to comply with my request in 40 days, if the unlikely event that cannot obtain the information after 40 days, they will write again. original loan was 42K - do i sit tight and see if they produce documents or go for a silly F&F to clear up the matter on the basis they may take something now, in the event they do find the documents it may cost me a lot more in the long run ?
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I send CCA to all my debtors, I have reply from Westcot advising that they are not the creditor but collecting on behalf of Cabot and that i need to either resend to them with postal order made payable to Cabot for forwarding or send direct to Cabot. 2 questions 1. shall I send direct to Cabot or go via Westcot 2. I read on other persons post a reply that said Cabot do NOT collect enforceable debt, I would really appreciate confirmation of this, as Cabot are collecting the largest debt i have, Barclays Loan, still awaiting a response to CCA for this one, although Cabot already replied to another debt advising they will no longer pursue chasing payment. thanks
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Hi there, does anyone know if the DWP can refuse to allow you to audio record meetings with a work coach at a Job Centre Plus? I have contacted my local Job Centre Plus office to ask for permission to audio record all future appointments but they have refused . Is there anything i can do about this?
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Sent my appeal off with some brief details of why i was appealing , Had a Letter from DWP confirming that they received my appeal, and about how much ESA i will get until it's heard, But so far over 1mth since requesting the full written statement of the Atos wca Form IB /ESA85, But so far i have not been sent it, The person that i recently spoke with from DWP ,Confirmed that they could see that i had previously requested it, but could not understand why i had not yet received it, What can be done to force them to supply this info,(assuming it actually exists) ? -
Name of the Claimant ? Arrow Global Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 4th August 2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - 6th September What is the claim for – the reason they have issued the claim? Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down. The claimant claims payment of the overdue balance due from the defendent under a contract between the defendent and Egg dated on or about Mar 30 2006 and assigned to the claimant on Nov 30 2015. What is the value of the claim? £4000 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Unsecured loan When did you enter into the original agreement before or after 2007? Before Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. It is the debt purchaser who issued claim Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial difficulties What was the date of your last payment? June 2011 although they claim July Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? Yes Hi I received a claim form from Restons on behalf of arrow global. It's from a loan taken out in 2006. I got into financial difficulties in 2011 after entering into a reduced payment arrangement for a few months I stopped paying. I hadn't heard anything from them until recently. I have read lots of threads and have acknowledged the claim with intent to defend. I realise I have to send a CCA and CPR 31.14 Request. I would like to know whether I can ask for the notice of assignment, default notice, termination notice and statement of account if none of these documents are mentioned in the particulars of the claim? They only mention 'a contract'. Is this covered by the CCA request or should I put this in the CPR 31.14 Request too? Many thanks for your help
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I recently started a PPI reclaim on a loan I knew I had from Barclays. I have always banked with Barclays and still do. I took the loan in 1999 for £5000 over 60 months. Initially Barclays could find no evidence of this despite the repayments coming from the account I still have. I found my original certificate of PPI which included all the details including loan agreement number and photocopied this and sent it in. I'm now at the stage where they're requesting further information after reopening my case. My questions are: how can I prove I did not need PPI? My employer at the time did provide sickness pay but I haven't kept my old staff handbook or old statements to prove this. I didn't have any medical conditions and I don't think I'll have taken a day off work for the entire duration of the loan to ever need the sickness policy. So I'm stuck with progressing at the mo. Can I add I was 23 at the time and still living with my parents had no priority bills as such other than this loan. I also didn't have many savings either as a wayward 23 year old. But the further information request is asking how could I have paid for the loan if I'd suddenly become unemployed? Would my lack of savings at the time be worth not pursuing the PPI reclaim for?
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nowlo everyone, I was hoping you'd be able to give me some advice on my current situation. I really want to keep on top of things. Natwest Loan £2,505.78 Natwest Credit Card £1,686.25 Natwest Overdraft £500.00 for my credit card, or shall I say Triton debt management. At the time I was awaiting confirmation of JSA, housing benefit etc and had no income. They accepted a monthly £1 token payment. End of last month they constantly kept calling me, I answered to shut them up. They told me the first agreement wasn't valid as I had no income and therefore it shouldn't of been made. Said the person that called me was 'new' (like that's MY problem) . I was forced into doing an income/expenditure there and then. Somehow they figured I could afford £7.99 a month . I couldn't, but felt really forced. I agreed. Since then I did a proper inc/exp for myself, and down to bear minimums for outgoings I'm still -£8.99 minus a month. I wrote a letter, which I sent recorded with an enclosed copy of my inc/exp saying I cannot afford the repayment agreed, and as of 5th Sept I will be making a £1 token payment, via postal order for the next 3 months (on 5th of every month), when I will review my financial situation (and could freeze interest). what I'd like to know is, was this right thing to do? What are the chances of them freezing my interest? They would have received my letter a long time before that payment was applied for. I'm worried they can keep applying for this amount. How can I stop them? What rights do I now have? Can they take me to court? I'm using my PPI for the Natwest loan. So that's covered. Any help appreciated.
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Barclaycard response below: I will only post the important bits We refer to your request for documentation under Section 78 of CCA 1974, we need to advise you that , regrettably, we are currently unable to fulfill your request. As such, we are not currently able to enforce our agreement with you and the agreement will remain unenforceable until such time as we are able to fulfill your request. what this means for you whilst discussions continue, we know that we're not able to enforce our agreement with you, but our rights continue to exist under the agreement. your balance is £3,731 and you will need to continue payments, blah blah blah. it is important to note that, where debt has accrued on your account, we will, where required, report to credit ref agencies, demand payment blah blah blah. they acknowledge delay in responding and accept that they are therefore prevented from enforcing our agreement they di however very kindly enclose a copy of short form cancellation and historic terms and conditions - why would I want those, lol next action - IGNORE and see this as a winner ??
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Further to a cca request to Lowell, see my other post (do not know how to link posts) I have received the following: Dear Mr ******* your request for further information we refer to your recent request for further information regarding this account further to our letter dated 20th October 2017, please fine enclosed your returned fee of £1 in regards to your request for information under the consumer credit act 1974. at top of letter - its shows OC which was M&S store card it quotes the original account number and Lowell reference number and a BALANCE of £0 (was around 3K) I have no other letter, so not sure what they are referring to when they say 'further to our letter dated 20th Oct" It looks like a winner to me but shall i contact to see if there is another letter that i have not received, am thinking they may have sold it and that is why they show 0 balance thanks
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Hi. My father in law was shopping last Wednesday in Manchester City Centre and visited a book store. He was with his wife. They are both in their late 70's. During the visit, then went down 3 flights of stairs in store to the book section, but after the 3 flights of stairs, there were 2 steps that you couldn't see. My FIL fell and as he was going down, he tried to grab a stand and cut his hand open. He also smashed his face into the floor and was bleeding heavily from his nose. Staff came to help and my MIL was furious about no signs for the 2 small steps, and the staff were saying 'yeah, I know, we should have a sign'. They weren't bothered in the slightest. My MIL asked for a first aider. The store never had one! They called security who didn't really know what to do. They were trying to stop the bleeding from his hand and face with toilet roll. Then someone produced a small first aid bag and the security were arguing about what they could and couldn't apply to his injuries. The staff wrote the incident down in the accident book. They gave him a bottle of water then sent him on his way! They never once offered to call an ambulance! He left the store with his wife and both were in shock. My MIL said she was shaking like a leaf and didn't know what was going on. So he left the store with his face covered in blood, and his hand bleeding and got a bus home! He never went to hospital as he is 'old school' and everything will be okay. They never told me about this until last night. I am livid that the store let him leave like this and there was no first aider to help. I asked about photographs and they said they think someone took one of the steps but not sure. They don't have camera phones. I asked to see my FIL's hand but my MIL had just put fresh bandages on. She said she thinks it needs stitches as the cut is wide open, but he won't go to the hospital. So what can we do about this? I am disgusted in how he was treated and fobbed off. I was wondering if I could go to the store today and see the accident book. Also I'd like to take a few photos myself of the area and see if there are any warnings in place yet. I'd also like to see where CCTV is situated in store and how I can get a copy. Please advise if possible, I'm so angry right now how he was treated! Thanks
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