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    • Hello fellow Gaggers.   I did what you all suggested and asked for my CCA from all the Companies/DCA’s involved. These were sent by first class to sign for on 6 June 2022. They all received and signed for these letters on either 7 or 8 June 2022.   None have come back with a signed by me CCA or relevant documents. Here are the replies I received are as follows:   BPO Collections, received a reply on 17 June with their letter dated 14 June, no CCA received by 27 June.   Dear ***** Please find your postal order for £1. Unfortunately, we are not able to accept this as we don’t charge for this. I have requested all the information you have asked for, once our client has responded we will send this over. Yours Sincerely, John McNamee.   Cabot Financial, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** Thank you for your request for information under sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we do not have the relevant information on file, so we will be requesting a copy of the credit agreement and terms and conditions from your original lender, as well as a statement of your account. This may take some time, but we will write to you within the next 12 days with an update, (their 12 days regarding an update is today 4 July, no post from them has been received).   You still have an outstanding balance of £****.** and you currently do not have a plan in place with us. We would like to discuss the available options with you and find you an affordable solution for this account. Yours Sincerely, Stephen Shaw.     NCO Europe, received a reply on 13 June their letter dated 8 June, no CCA received by 27 June.   Dear Sir/Madam (can’t even get my gender right). Thank you for your request and payment for a copy of your CCA which we received today and have forwarded to your creditor. Your creditor has advised us that they no longer require payment for this (postal order for £1.00), therefore we are returning it to you. You will receive the CCA in due course If you have any queries blah blah blah……………… Yours Sincerely, Joanne Perry.   PRA Group, received a reply on 17 June with their letter dated 14 June, no CCA received by 28 June.   Dear ***** I am in receipt of your letter in relation to the above (request for my CCA) and have requested the required information. Until this is received, I have placed your account on hold which will cease any further collections activity until further notice. PRA Group UK Ltd do not charge any fee to carry out this request, I am therefore returning this payment (postal order for £1.00) to you. We will contact you to provide an update as soon as possible but if you have any questions, please contact us blah blah blah……………………………… Yours sincerely, Carissa Rae.   Idem Servicing, received a reply on 18 June with their letter dated 16 June, no CCA received by 27 June.   Dear ***** Thank you for your request pursuant to sections 77-79 of the Consumer Credit Act 1974. Unfortunately, we are unable to supply a copy of the credit agreement at present and acknowledge that until we do so the agreement cannot be enforced. We have contacted the original lender for a copy and if available it will be sent to you under separate cover in compliance with your request.   The balance of your account is still outstanding and we will continue to pursue this debt which will include any arrears and defaults with the credit reference agencies. We can confirm the balance of your account of £****.** remains due and payable and we will continue to contact you to discuss repayment proposals. In the meantime, we attach a statement of account detailing the transaction history. You are free to take whatever action you consider appropriate but we will not be releasing you from any obligation under the agreement. Yours sincerely, Rebecca Harper.   Rather than scan and post the letters I have received from the DCA’s I have typed out the main points of each reply I received. All have failed to send me a true, signed by me, with attached terms and conditions (at the time of signing) a valid Consumer Credit Agreement. Most of each letter seems to contain bluff and bluster, and veiled threats. One note of concern, would any of this come to bite me in the rear end, should I fail to pay them any more money, with regard to the credit reference agencies? I await your more knowledgeable responses.   Allets.
    • Well done. Different shops have different staff.  For customer service in future look at sainsburys. I know the CEO is the same. 
    • Hiya, just to update you, they've now posted another enforcement notice - with a deadline of next week before action - to my new address. Presumably found that via the court document? I've not had any acknowledgement from the court of my new N245.    I need to check whether the deposit that was in dispute is still sitting with mydeposits so I will dig out the paperwork this week.  Also wondering whether it is worth going for an IVA if the court don't agree to my recent offer.   Meanwhile, if they turn up I will talk to them through the door.    
    • Include they dont know you received it.    
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Alioj30 and Barclays PPI


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hope someone can help !!!

i paid off a loan with barclays with ppi in 2006 with a consolidation loan from HSBC. i asked for a settlement figure which they gave me £2365.47 and i paid it off with a personal cheque over the counter (i had no refund of ppi) then in october of this year over two and ahalf years later i had 6-7 phone calls in a week and one letter saying i owed them £600+ !! i.ve been trying to sort this out now for 7 months now i've had 8 letters ,numerous phone calls and trips into the bank. each person is telling me my PPI wasn't closed, but who's fault is that ? am i entitled to some PPI refund and who's in the wrong ? its stressing me out and it can't be doin much for my credit rating !! angry and concerned !!!! :-x:|

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Hi Alioj and welcome to CAG.

 

I've put your post into your own thread to avoid hijacking someone elses.

 

Hopefully, you'll get the advice you need and please post on here when you need to ask Q's.

 

:)

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hope someone can help !!!

i paid off a loan with barclays with ppi in 2006 with a consolidation loan from HSBC. i asked for a settlement figure which they gave me £2365.47 and i paid it off with a personal cheque over the counter (i had no refund of ppi) then in october of this year over two and ahalf years later i had 6-7 phone calls in a week and one letter saying i owed them £600+ !! i.ve been trying to sort this out now for 7 months now i've had 8 letters ,numerous phone calls and trips into the bank. each person is telling me my PPI wasn't closed, but who's fault is that ? am i entitled to some PPI refund and who's in the wrong ? its stressing me out and it can't be doin much for my credit rating !! angry and concerned !!!! :-x:-|

 

It is time to send a Subject Access Request to Barclays....link here for SAR...Data Protection Act 1998 - Subject Access Request

 

or this is also good Full SAR for ppi

 

You will need to forget the phone calls and trips into the bank keep everything in writing that way you have copies and no denials on what was said in telephone or other conversations:eek:.

 

You need to consolidate the information make a plan and then reclaim your PPI.

 

Please have a look at these threads within the CAG PPI forum.

 

Once you have all the data then is the time to act to make sure your case for mis-selling is noted and action taken. Failing that then it will be a case of Financial Ombudsman Service or Court action.

 

keep posting for more advice

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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