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  1. New one this for me...a little help required?! My Wife has a TSB credit card, has had it 17 years no CCA at all. Have nt heard from them for over 6 months. Have sent Resolve Call, Moorcrofts and 2 others letters in the past asking for CCA AND Letters and they all give up and say they have passed it back to Tsb. Today though we receive this new one "We have been instructed by our client to recover the overdue debt. We DEMAND that the sum stated be sent direct to this office IMMEDIATELY using the payment slip below. Your failure to comply could result in a DEBT COLLEC
  2. Hi My wife has received a Pre-Action Protocol for Debt Claims from Drydensfairfax, for an old debt from 1998 at an old address. Arrow recently started sending letters to our new address and continued despite being returned as not known at address. They now appear to be instigating court proceedings. Unfortunately I expect this is not outside the statute of limitations as I have been paying £1 per month by standing order since she defaulted in around 2000/2001 (from my account not hers). Whilst she is working, she is not in a position to pay it off as she is currently just mana
  3. Hi, Please see attached. Your comments would be appreciated. convert-jpg-to-pdf.net_2018-05-04_20-06-00.pdf
  4. Hello you good people! Please advise, as I've read all the relevant threads but none end with a definitive answer or resolution. I deferred my Student Loans from 93,93,95 each May until 2013 when due to a move, I forgot. I phoned SLC around late 2014 to be told the loans were now with Erudio and to phone them. Having read all the hoo-haa surrounding Erudio, I didn't phone. Nothing further happened. Fast forward to March 2017 and I noticed a hard search on my credit file from Erudio. Nothing further happened. Since last month I have started getting multiple phone calls from
  5. Hi, everyone! I'm new here so apologies if I have or if this has been answered before somewhere! I had three student loans in 1995, 1997 and 1998. I deferred paying them for years on end up to around 2010 when I moved abroad and my salary meant I could no longer do so. However, I didn't pay the full amount they required because of my circumstances and eventually stopped paying altogether. After being sent umpteen letters for Thesis and now Link Financial / Capquest, I agreed to pay around 20 quid a month to each. I then stumbled upon this website and read somet
  6. Dear all, I unfortunately suffer from chronic depressive illness and have done so for many years with the condition significantly worsening over the past few years. In the year 2011 I had been subject to police investigation. I attended a police interview on a voluntary basis. Due to my debilitating depression I had an appropriate adult also attend this interview who I understand was a social worker at that time. The social worker, without my explicit consent, went on to record the details of the alleged criminal charges I faced on the NHS Trust’s IT system and within my
  7. All this talk about obtaining medical records on this forum reminded me of obtaining my own a few years ago. Back in 2007 and 2008, I obtained some medical records of my own health under the Data Protection Act 1998. These consist of hospital records (such as a routine operation that I had back in 1988), GP records, child development records and so on. I also obtained my birth records (it tells me when I was born, when the delivery of placenta was, my Apgar score etc). This is the crux of the matter, and this is what I am asking - as they are pregnancy records, they a
  8. After some advice and any feedback from anybody who has needed to seek a court order to have their data ceased being processed. I have issued a S. 10 notice that was delivered by hand to the director of a small company, they have so far attempted to involve a third party to put pressure on me to back off but have failed to abide by the notice. I have also sent a Subject access request which I am expecting them to ignore as well. Being a small company this could just be down to not knowing what to do etc however I am now in the position of having to decide
  9. Group, I’m seeking help / advice on section 35 of the DPA 1998 Act: 35. Disclosures required by law or made in connection with legal proceedings etc. (1) Personal data are exempt from the non-disclosure provisions where the disclosure is required by or under any enactment, by any rule of law or by the order of a court. (2) Personal data are exempt from the non-disclosure provisions where the disclosure is necessary— (a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or (b) for the purpose of obtaining legal advic
  10. Received a letter from DWP saying I owed than money from çrisis loans and care grants from 1998 and that are taking it out of my benefits. I requested a SAR to try and identify these debts they sent a computer printout that makes no sense and a letter stating that they no longer had the clerical records. Surely they must keep these to prove the debt as any data can be fed into a computer to produce a print out. Help me please
  11. Hello, I have an unsecured loan (Lombard) from 1997 due to major debts around that time arranged £10/month token payment. I borrowed £5k and have repaid £2500 so far. I offrered £3000 in 2007 when I sold my house and had a small balance to clear and they refused - they say the total of the loan with interest was £7500. I now have Arden contact me and on the income and expenditure form have asked for property value/mortgage outstanding etc. Does anybody know why they ask, my loan was unsecured? thx
  12. An old old debt has come back to haunt me. For the record, I have not responded to the debt collection agency (DCA) and have at this stage, no intention of doing so. However, if this is the 'debt' I think it is, it seems to have been purchased by another DCA. The last correspondence I had with the previous DCA was, I think, over 10 years ago. What I need to know first is this. Is an old judgement (probably 1998/1998) still enforceable even after years of no-one chasing it and even if another debt collection agency has purchased the debt? What I then need to know is this. Can I reques
  13. Relative debt of which I have tried to help with. Original debt £5012 when Cabot took over in 2004 with what I think is a flimsy Assignment, debt now at at £11,216. Cabot were paid each and every month at £25 up until last year when a SARS request was sent to them (not to be confused with a cca request which has never been requested of them) . They responded to the SARS, they were then sent a further letter asking if all that was contained in the SARS was all that they had and nothing more. They responded saying yes it was....Which then clearly demonstrated that Cabot are quite go
  14. Hi All I am in the process of trying to claim back PPI paid on a HSBC card that we have had since 1998! we always thought that this was a condition of the card as we never took out PPI on anything due to either being self employed or we did have a spell running pubs as management couple but would of had to cover for each other or take on extra staff if we were ill so we know for a fact that we never took this out willingly. all this really only came to light last year as our card is paid automatically via direct debit each month but then we started getting calls from HSB
  15. Bit of a mixed bag this one but hopefully I've posted in the correct sub forum. I received a phone call last year from Arden Credit Management from a loan taken out in August 1998 which They say I still owe around £6000. As I hadn't made a payment to this since 2004 I informed them this was statute barred and never heard anything more until this year apart from some statements through the post. This year the began getting a bit more aggressive in demanding the money, to which I informed them the load was statute barred and there was nothing they could do. The advisor on the phone agreed
  16. I had a minor accident a couple of weeks ago and my insurance company rang up on Tuesday to request a conference call with DVLA. During the call the DVLA suggested I ring them back which I did. They informed me that my licence had been revoked since 1998. I knew nothing of this. I asked why. They said that I had not sent it in for an endorsement to be added but could not tell me what endorsement as their records don't go back that far. They also cannot supply me with copies of the letters they say they sent me requesting my licence as their recor
  17. Hello I`m sorry to start a new thread about this as there seem to be a multitude of other threads regarding Thesis but I have spent the last couple of days going through them and am still unsure whether I should respond or ignore so would be grateful for any advice I have 3 loans which were taken out 95-98 and have always deferred due to never earning enough to pay back. For some reason I did not receive my deferrment forms for this year but didn't realise until someone from Student Loans (I assumed at the time they were) rang to ask why I had not sent my deferrment forms
  18. I have a Moorcroft "home collections division " letter for a Lloyds TSB debt asking me to give them £90 a month....nice try. Where should I start with tis as I have already told TSB I cannot pay due to their high requests for payment and interest wiping out the payment...help ?
  19. cannot believe i found and kept an old credit agreement from hfc bank. .and noticed a printed x on the ppi part ...very tiny x at that.. ..at the time i was employed full time and payed into a general sickness and benefit scheme. ..weekly. .so cannot believe i was paying extra with hfc when i didnt need it. ..so i sent off a copy of the agreement 2 weeks ago with standard letter wanting this ppi back.. .they sent me fos questionnaire to fill in. .i sent back recorded delivery with copy of id as i was living elsewhere at time. ..so now just waiting...xxx
  20. During my last reclaim i also started a reclaim for the above after much confusion upon WHAT was a freeflow account the Co-Op didn't know! i provided all the relevent statements & agreement in the Claim Pack. 1st they said it was a credit card, but said that the account number did not match any series ever used, so rejected the claim. they then claimed it was an OverDraught & as O/D's don't have A CCa , the agreement i had was false! after complainng to the CEO DEpt things started to move.
  21. Hello, can anyone who had one of these Halifax Liquid Gold Accounts in 1998 or at least knows anything about those 1998 terms and conditions help. I believe, in 1998, that joint Halifax Liquid Gold account holders had to all attend the bank and sign a counter mandate, in the presence of the Bank Clerk, to make a withdrawal but unfortunately no longer have written proof of this. Having read on this forum that at least two other people had problems with getting their money out of one of these accounts in 1998 (posted in 2006) because of this very same condition, I decided to post this
  22. Hi all - I am currently putting together a claim and in the course of doing so issued a DPA notice in accord with the latest ICO advisory notices. It appears that many of us are being misled by the institutions as to how we must make DPA applications. I hope the following "Information Commissioners Office" advisory notes will be helpful to many CAG members currently dealing with issues . Just two examples:- 1 - It is NOT legally necessary for an applicant to write to a specifiied Office address. You can write to any office of the organization concerned. 2 - It is not
  23. hi, i would like some advice on my ppi, i have found some old bank statements from my hsbc account dating between 1998-2000, it shows on the statements that i was paying a loan but cant find the actual loan agreement, i know i would have been missold the ppi because i was selfemployed at this time, would i have anyluck in trying to reclaim my ppi? thankyou
  24. Hello I would be grateful if someone could point me in the right direction - I have read through many threads on here but everyone seems to already have an account number. I took out a loan with Lloyds back in 1995 with PPI but I was actually full time at college at the time and not employed and therefore believe I shouldnt have been sold PPI. The loan was repaid a year or two early (it was a 5 year loan). I have never had any other facilities with Lloyds since and wrote to my local branch where I originally took out the loan. I had a reply but it had been sent from a Newcastle
  25. In 1998 I rented a property on a short tenancy of 6 months. I moved out in Jan 1999. I received a letter saying CT was owed and paid it (approx £287) by bank transfer ( I always paid that way). I heard no more until 2007 when they started chasing payment of CT owed I contacted council to find out what was going on as my new property account was up-to date. This is when I found out it was for the old property. Council claim not to receive the bank transfer made in Feb 1999 and proceeded with a liability order and then bailiff to trace me. The CT Bill was for the time I
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