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[T2upNorth]

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[T2upNorth]

OK. Had a letter from WF today. Thought it was a response to my CCA letter, which is now past the 12+2 days. No, it's a confirmation of my new DD.. Odd, my current DD has been in place since April and no obvious changes on online banking. There was no need of a new DD, why would there be, the current one gets paid every month.

It's for the same amount as normal but says DD's will be taken on 31 of each month (as they are now - or last working day to coincide with payday). But it then says next DD will be taken on 28/8 - before payday. Hmmm, wonder if they are trying to force it to bounce in order to cause a reason to default me? Or am I being paranoid?

[postggj]

you set the date of the dd

not welcome

 

if they dont like it, annoy them

 

insist on standing order

[T2upNorth]

you set the date of the dd

not welcome

 

if they dont like it, annoy them

 

insist on standing order

 

 

Yes, I will write again tomorrow, recorded, reminding them of my CCA request and require written confirmation that the DD will be taken on or after 31/8. Otherwise, bye bye DD! They're lucky I haven't sent the dispute letter, was feeling generous and thought I'd give them another week to comply...

 

Thanks Postggj!

[T2upNorth]

Finally had a reply to my CCA -acknowledging my SAR (?) and the £1 PO. Lucky me, it's being processed. Still, if I get full SAR disclosure for the cost of a CCA thats a bonus. Already past the 12+2 anyway...

[The wife]

they seem to do that a lot T2, I have had 4 letters re the SUBJECT ACCESS REQUEST 2 copies of the agreement and obviously statements from inception to date, but nothing else yet...we SAR'd and CCA'd them at the same time, maybe its a fob off!

[T2upNorth]

Thanks, The Wife.

To be honest, I was waiting for them to fail to comply, I already have copies of my agreement, which is full of holes anyway. Was just wanting to know what they had.

I have no statements after nearly 2 years, except a hand drafted one which bears no resemblance to my calculations. SAR is next, they wanted £10 for a statement, OK, I'll pay £10 - for everything they have!

[T2upNorth]

Right, finally got my CCA response.

 

There is a copy of the agreement which matches my original copy. And a statement from day 1 to current. Full of charges, ad hoc fees, fee assessments, capitalisation etc. Interestingly, this statement, although overlapping a partial statement I received a couple of months ago, has very different figures...

 

not sure wether to post it up here - assume it would be easily identifiable by WF by cross referencing the numbers.....

[T2upNorth]

bumping - about to go on the offence,,,

[postggj]

t2upnorth

 

pm them to me

 

ill have a nose

[emmilou1]

I've got fee assesments and ad hoc fees on mine too...any idea what they are?

[kregrs]

What are fee assessments? I've got quite a few on my statement, mainly for 16p!

[postggj]

any chance of one of you posting up a statement for me to have a nose

new one on me

 

what is welcomes latest con then?

[T2upNorth]

*hidden*

Edited August 25, 2009 by T2upNorth
sensitive info

[T2upNorth]

Update:

 

Have spoken to DG - I have PPI, Gap and Mechanical cover. First 2 for 48months, mechanical for 36 months.

 

Think I need to get them cancelled pronto! DG sending out policy docs.

[iwantoneplease]

Update:

 

Have spoken to DG - I have PPI, Gap and Mechanical cover. First 2 for 48months, mechanical for 36 months.

 

Think I need to get them cancelled pronto! DG sending out policy docs.

 

Is it possible to claim back Mechanical Cover and other rubbish insurances that people were forced to buy?

[T2upNorth]

OK. Another quick update:

 

HPDI FEE refers to additional interest due on arrears.

FEE ASSESSMENT same as above (?)

AD HOC FEE is an old term for charges due for failed payment.

[T2upNorth]

Is it possible to claim back Mechanical Cover and other rubbish insurances that people were forced to buy?

 

 

They were pushed quite hard! But that's what I intend to do, I don't need or want them, nor can I afford them!

[postggj]

this mechanical breakdown insurance shafted you for 650 quid excluding interest

 

sit down and bite your tounge

 

the max payout on this is only a grand thats £1000

 

hardly covers labour let alone parts

 

def misselling just on that

[T2upNorth]

Yeah, thats what I was thinking. Thieving b******s!

[postggj]

even then there excuse not to pay out will be wear and tare

[T2upNorth]

Have removed the statement for security reasons...

[T2upNorth]

OK, going for the kill now, SAR, PPI, GAP, Mechanical B******s, dodgy charges - full monty!