old BOS Loan now moorcroft/olly scots/1st credit

[AndyOrch]

They strung 5 paragraphs together so thats a plus and they will continue to process your data on a debt that has a nil balance and they will check with BOS if they have bought a debt that has been settled.

 

"IN VEIW OF MY FINDINGS I DO NOT CONSIDER YOUR COMPLAINT TO BE JUSTIFIED " "Our aim is to resolve all complaints internally and we hope that this matter has been resolved to your satisfaction." Is it resolved?

You couldn't make it up could you:roll:

 

 

Keep checking your CRA file Dora and keep pushing for a response...if they fail to respond report them to the ICO.

 

Regards

 

Andy

[Dorabell]

They strung 5 paragraphs together so thats a plus and they will continue to process your data on a debt that has a nil balance and they will check with BOS if they have bought a debt that has been settled.

 

"IN VEIW OF MY FINDINGS I DO NOT CONSIDER YOUR COMPLAINT TO BE JUSTIFIED " "Our aim is to resolve all complaints internally and we hope that this matter has been resolved to your satisfaction." Is it resolved?

You couldn't make it up could you:roll:

 

 

Keep checking your CRA file Dora and keep pushing for a response...if they fail to respond report them to the ICO.

 

Regards

 

Andy

 

Thanks Andy:-) yes this has already been on my file it was taken off way back in 2008 will be watching my file:-)

[Dorabell]

hi all this what dropped through my door today signed director:roll: here goes

CIA FINANCE LIMITED

20-22 BEDFORD ROW

LONDON

WC1R 4JS

dear xxx

we are writing to notify you that CAI Finance limited has assigned all of its respective rights ,title and interest in respect of the above reference account including outstanding balance to 1st credit finance limited effective xxx

under the terms of this assignment and as defined in the data protection act 1998, 1st credit finance limited is now the data controller of your personal data contained in the records of this account.

1st credit limited has been appointed by 1st credit finance limited to manage your account and it is essential that all future payments and correspondence regarding this account to be directed to 1st credit limited

1st credit limited

po box 278

reigate

RH2 7WB

 

And they are still writing to me after sending proove that this accoumt was settled:roll:

[AndyOrch]

Post 35 onwards Dora:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?344264-Need-help-recieved-a-claim-form/page2

 

Regards

 

Andy

[Dorabell]

Post 35 onwards Dora:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?344264-Need-help-recieved-a-claim-form/page2

 

Regards

 

Andy

 

[Dorabell]

They strung 5 paragraphs together so thats a plus and they will continue to process your data on a debt that has a nil balance and they will check with BOS if they have bought a debt that has been settled.

 

"IN VEIW OF MY FINDINGS I DO NOT CONSIDER YOUR COMPLAINT TO BE JUSTIFIED " "Our aim is to resolve all complaints internally and we hope that this matter has been resolved to your satisfaction." Is it resolved?

You couldn't make it up could you:roll:

 

 

Keep checking your CRA file Dora and keep pushing for a response...if they fail to respond report them to the ICO.

 

Regards

 

Andy

 

Hi Andy i have recieved a response for above i will type later printer broken:-)

[Dorabell]

here goes some what confused:-)

 

Dear mrs xxx

thank you for taking time to contact us( which i did,nt i persummed 1st credit did) I am concerned to hear about the problem you,ve had with your credit card. please accept my apologies for the inconvenience and upset that we,ve caused you

 

My understanding of your complaint is you do not believe you are liable for a balance of xxxxxx on your credit card which 1st credit is pursuing you for

 

I have looked at your account and can see you were making payments to blair,oliver and scott and their representatives towards the balance of the account after your account defaulted this total xxxx which leaves the balance xxx. I can see from your letter you say you settled the account and enclosed paper work to confirm this. The paperwork you have included is in relation to preference loan and not the credit card that was opened at the same time (yes and thats the only credit agreement i have received off 1st credit and the one they are persuing sent twice so a bit confused at the least) in veiw of the above balance will remain and is payable and you should contact 1st credit to set a repayment plan to clear the balance

 

I hope i,ve explained why i beleive we hav,nt made a mistake i appreciate that my decision may not be the one you wished for, but i hope iv,e explained matters

 

I am very keen to make sure i have resolved your complaint fairly. If you feel iv,e misunderstood your complaint or have any further details you think i should know please do not hesitate to come back to me

 

If you remain unhappy, you also have the option to contact the financial ombudsman service so long as you do with in six months of the date off this letter iv,e enclosed a leaflet providing contact details and information about their service

 

If you have any questions about my reply or have any further information to add i will be very pleased if you call me personally on either the numbers at the top of the letter using my id number xx prompt

 

yours sincerely xxxx customer services

 

well i have had no paper work for this alledge credit card

[AndyOrch]

DSAR to BoS then Dora (unless you already have) have you ever requested or entered into a " preference loan " ? Respond to the above and section 77 it.

 

Regards

 

Andy

[Dorabell]

DSAR to BoS then Dora (unless you already have) have you ever requested or entered into a " preference loan " ? Respond to the above and section 77 it.

 

Regards

 

Andy

 

Hi andy yes to the above question this has been paid off this is what 1st credit are trying to collect on. BOS are saying diffrent they are saying its a credit card which i have never had paper work from them i have had the paper work for the prefrence loan i hope i have not confused you lol thanks

[AndyOrch]

Does the Credit Card show on the DSAR then ? If so section 78 that.

[Dorabell]

Does the Credit Card show on the DSAR then ? If so section 78 that.

 

Hi Andy no there is no paper work

[AndyOrch]

Does not exist then...until someone raises it with you for collection disregard the above...dont get into letter tennis with them.

[Dorabell]

Does not exist then...until someone raises it with you for collection disregard the above...dont get into letter tennis with them.

 

 

Thank you:-)

[Dorabell]

hi all just received a letter with a load off statements from 1st credit here goes

 

dear mrs xxx

1st credit

we write further to the above and our previous communication on the above matter

we referred your complaint to the bank of scotland regarding this account and they have provided us with their enclosed response together with copy statements which demonstrate the outstanding balance

please provide us with your proposal for this account by return

 

yours sincerly

 

compliance officer

[AndyOrch]

And the statements are for the Credit Card Account?....how does it demonstrate a balance ? I have a plethora of statements on paid off accounts.

 

Regards

 

Andy

[Dorabell]

And the statements are for the Credit Card Account?....how does it demonstrate a balance ? I have a plethora of statements on paid off accounts.

 

Regards

 

Andy

 

Hi Andy supposed to be no agreement thou statments from 207:roll:

[AndyOrch]

Dont worry Dora...they are currently returning problem accounts back to BoS...wait for your letter.

[Dorabell]

Dont worry Dora...they are currently returning problem accounts back to BoS...wait for your letter.

 

ok Andy thank you

[Dorabell]

Hi all received this letter today no scanner so i will write here goes

 

Dear mrs xxxx

1st credit ref xxxx

further to the above and our previouse correspondence. I note we have not received a response

We have provided you with bank of scotland,s reponse to your complaint together with statements which demonstrates the outstanding balance, therefore, please provide us with your proposals by return

yours sincerley C R

compliance team leader

[AndyOrch]

[Dorabell]

 

 

[Bazooka Boo]

they really are pathetic aren't they......

[Dorabell]

they really are pathetic aren't they......

 

 

 

[Dorabell]

update another letter today here goes

 

further to the above and our previous correspondence i note we have failed to receive a response

 

please provide us with your proposals regarding this matter in return failing which we will have no alternative then to consider our options

 

sign,d xxxxx

 

compliance team leader

[Bazooka Boo]

Yep, consider being ignored!

I had one of FPC this am too, seems they are all feeling lonely......ah diddums!