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  1. Hi I am new to the site and just learning how to navigate the forums. Hoping I am now in the correct place to get some helpful advice. I have 4 very historic debts being managed for the past 6-7 years by CABOT and 1 with PRA. In the past few weeks, I requested a CAA and SARs from both which was a very revealing exercise. Low and behold:!: CABOT replied saying they could not find CAA for 3 historic debts so these are unenforceable but that I should continue with my monthly payments to my DMC. PRA replied very differently saying "current accounts do not requi
  2. Hi Folks, I'm having a number of issues with Quickquid and them supplying me information of all loans I have had with them. I am planning on putting in a IRL claim against them History: 30/07/18 - Sent E-mail request asking for all loans I had with QQ over the years (was a lot) Provided Date of birth, and all addresses I have had over the last 9 to 10 years 16/08/18 - No response received, sent a chase request 20/08/18 - They provide 6 account statements. I can only reconcile that against 2 of my loans (4 were potentially from an old bank account I had no access
  3. Hi, If I have 4 accounts with one DCA, do I need to submit a separate CCA letter per account and a £1 postal order per account or can I just do one CCA requests to them listing all accounts and one postal order? I assume it's the former but wanted to check. Thanks
  4. Hello, Long time lurker here looking for some help please. Thanks to the advice to others I have read here I have learned sooooo much! I defaulted on three credit cards in 2008 and have been paying £1 per month to each since then. They have all been sold on multiple times. Current situation: MBNA £17000 now with Capquest HSBC £3000 now with Robinson Way MORGAN STANLEY £8000 now with Cabot. I know I've been an idiot and it's all my own doing. I sent all three Cca requests on monday, unsigned with POs. What happens now? My token payments are due on
  5. Hi there. Just on the off chance my husband sent a request to Barclays to see if he had PPI on any of his cards. It turns out he had it on his Barclaycard Mastercard from Sept '97 until Dec 2004 and on his Barclaycard Visa from Sept '97 until Aug 2015. What would be our next step forward please? Thank you.
  6. Hello. I have some debts with 1st Credit, Westcot, Frederickson, BLS to name a few whom (and switched hands between companies), from my Student days. 1st Credit is near 1.6k, the others are around £400 each. I currently pay back via the Citizens Advice agreements each month. Pretty much it's going to take 14 years to pay off 1st Credit for example. They all often send me offers/reductions on the debt if I pay today, or pay XX amount, Westcot notably just started doing this today for a £400 debt. Would I be wise in potentially sending requests through
  7. They ask me for 3 months regularily, just had one yesterday for a rapid reclaim as I was working for an agency for 2.5 weeks and was subsequently let go. The requirements for JSA, ESA, Universal Credit is that you to have less than £5000 in the bank otherwise the payment will get reduced. If you have over £16,000 then you will get nothing. Therefore the reason they ask for fully itemised bank statement to assess your entitlement is invalid. You can filter your statement in many different ways with any online bank so only relevant information is provided, but the DWP say
  8. Hello, I rented a studio over 4 years ago through a London Agent; standard AST. The Agent secured my deposit (over £1000) with TDS. After one year my LL decided she did not need the agent anymore and offered to rent the flat directly to me. This, according to her, saved her some money to proceed with the needed repairs. I have been renewing contract (no changes in there) for the consecutive 3 years since then. Due to her numerous failures to carry out repairs (leaks, mold, poor insulation, lack of heating - literally she removed electric heaters from the walls to make the fl
  9. Today my gf has had back two letters, one from Mint & the other from Natwest after requests for CCA (mint) and SAR request with Natwest. Mint have stated the following: Does this mean I would also be unable to request SAR from Mint & reclaim PPI charges? As for Natwest, they have asked her to sign a form, provide evidence of identification "certified by a member of staff at any branch or a solicitor!" & "As the purpose of your request is unclear, we require some further information from you to help clarify what you are looking for" Are they for real? She'd have
  10. Have you ever tried to make a subject access request to Lloyds bank and been told that they don't keep data longer than six years? Well basically it's a lie – but you wouldn't expect anything else from Lloyds bank. They use an archiving service in Andover and you can get data going back at least 2001. Their address is: – DSAR Unit Lloyds TSB Customer Service recovery Charlton Place C46 Andover SP10 1RE And they even have a telephone number: – 0345 0707124 Although I don't know whether people are prepared to speak to you. Apparently the same arch
  11. On the 20th September I posted off nine CCA requests all by signed for post. Of these only one company NCO (Amex ) have sent a copy of the CCA which I posted up under the AMEX sub forum. Two have replied and said they have asked the original creditors to supply the CCA and one has returned my request and postal order and asked me to write to the creditor directly. So five have not responded at all, what is my next move ? Is there a template letter I can send ? Mine is outdated as it has a reference to the defunct OFT. Thanks Everett.
  12. SCOOP has links today to two Freedom of Information requests that feature on the very popular website: What do They Know. http://www.scoop.it/t/lacef-news It would seem that two individuals are making highly vexatious Freedom of Information requests. It is such a shame that this practice is going on as I fear that before long, the government will amend legislation so that a charge will be payable for each FOI request. The first link on SCOOP is this one from an individual by the name of Wayne Pearsall regarding Removal of Implied Right of Access. https://www.whatdothey
  13. Hi I know it's Christmas but really hope someone can help me out urgently, I've had a claim through from cabot financial with 'right hassle' acting on their behalf for a very old Egg account. I submitted the AOS now need to put together a defence in the next 2-3 days and submit by thursday next week (i think that's the deadline having used the 33 day from service calc). Claim details/points Claimant - CABOT FINANCIAL (UK) LIMITED Address for docs & payments - WRIGHT HASSALL LLP Date of issue – 24/11/14 POC - POC ATTACHED but I can type this out if
  14. I recently sent CCA requests to Barclaycard for the two cards i have with them and have received replies to both requests. I not sure however how to interpret them and how to proceed. A little background might help to explain the situation. The two accounts are positively ancient. I'm not sure when i got the Mastercard account, i think it was a few years after the Visa account, but when exactly i don't know. I know when i opened the Visa though. It was opened when i went to university, in 1984. I've been making reduced payments to Barclaycard for about 4 1/2 years under what i
  15. Hello, We have just given notice to vacate our property after after being here almost 3 years. We signed a 6 month AST back in 2012 and have been on a rolling contract ever since. About 9 months ago we received a letter informing us that our tenancy was being transferred to new agents as ours were retiring abroad, and have since had several inspections from the new agents, but signed no new contracts or agreements. Our contract with the original agents was quite basic and reflected the state of the property. We asked about paying a higher deposit as we had pets (something we’ve alwa
  16. The new bailiff regulations came into effect on 6th April and bailiff fees are strictly controlled and comprise of a Compliance Fee of £75 which is charged when the debt is passed by the creditor. If payment is not made or a payment agreement entered into during the ‘compliance stage’ a bailiff may attend the debtors premises and an Enforcement Fee of £235 is chargeable. Significantly, the new regulations provide that from any payment made (whether to the bailiff, the magistrate court or the local authority) the Compliance Fee of £75 is deducted first with the balance being split on a ‘p
  17. Hello all, I personally feel that having borrowed money i should endeavour to pay it back. However, the interest rates now being applied to my Credit Cards is crippling and even though i am managing (Just) to pay my minimum monthly payments the debt is not getting noticeably smaller. I have CCA'd 8 of them i month ago and only got 2 replies, neither has complied with my request 100%. If i wished to get out of my debts i could possibly go down the CCA road do just that BUT that is not what i am after. To this end i have compiled the following letter.
  18. The new bailiff regulations came into effect on 6th April and bailiff fees are strictly controlled and comprise of a Compliance Fee of £75 which is charged when the debt is passed by the creditor. If payment is not made or a payment agreement entered into during the ‘compliance stage’ a bailiff may attend the debtors premises and an Enforcement Fee of £235 is chargeable. Significantly, the new regulations provide that from any payment made (whether to the bailiff, the magistrate court or the local authority) the Compliance Fee of £75 is deducted first with the balance being split on a ‘
  19. I too fell foul of Parking Eye, stopped for 33 minutes in a staff carpark, in Poole September 13th 2104. I did the silly thing of appealing, stating the reason for temporarily using their facility, which was rejected. One of my main concerns, is that the legal framework has moved on a bit, and Parking Eye have updated their process to improve their success rates. Is the advice still to ignore the parking charge Notices from Parking Eye? Thanks, Graham
  20. Hi everyone Long time lurker, have successfully used advice from these forums in the past, so a big thank you to everyone taking time out of their busy lives to help all of us who are unfamiliar with how to deal with such agencies. Back in 2010 I fell into debt due to a business failure. I have a few creditors and all but one have been very reasonable. Following advice from the then CCCS I entered into agreed payment arrangements with my creditors and this has been working fine for both parties involved. I recently received a letter from Shoosmiths with regard to
  21. A further update on many of my different posts for an old lady this one is Capitol One CC taken out in 2004. I sent to Lowell's a CCA request the time has passed and no details have been forthcoming, the account has now been placed on hold awaiting the requested documents. A further phone call has now confirmed that Lowell's are now quoting they have 40 days to comply with a CCA request, we all here know that it is 12+2 days to sort out. The regulations about this can be found here, http://www.oft.gov.uk/shared_oft/consultations/OFT1175con.pdf please
  22. Hi Guys In the event of requesting a CCA or DSAR and sending payment for the requested information, they attempt or align it to the debt to reset the SB 5 / 6 year period etc. While we all know that it doesn't... A certain DCA I've come into contact recently assisting a friend has aligned it to the debt and claimed that a £1 payment has been made to reset the SB period. What's they best way to combat this? If this was to hit court then how would you defend this?
  23. After chasing up my own request made in November and being told by the BDC that they hadn't received any such request, I did a bit of research. It seems that this is not an uncommon event, BDC's up and down the country routinely mislay, erase, or as in my case just refuse to admit they received a request. The 40 day response time is also routinely ignored, one person I contacted told me they finally got the information six and a half months after requesting it, and that was after sending in three applications. Interestingly the DWP state that the address to send SAR requests is
  24. I have made two SAR requests to the YB one via myself and one through my solicitor both times they have said they have haven't received them !!!! is this normal for the YB the ombudsman says they are not easy to deal with has anyone got any tips as time is of the essence .
  25. Hi All, Apologies if this is posted in the wrong section or has been answered elsewhere. I am dealing with Hillesden/dlc and am going to send a CCA request for the original credit card agreement. I have read a lot on here regarding the CCA request and what they must supply but my question is this: The credit card agreement, with Citi, was taken out in 2001, so do they have to send a copy of the original signed agreement, or can they just send a true copy of what the agreement was back then, without my signature. I understand that a lot of agreements
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