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    • First of all welcome to the Forum. Do not worry about Drips+ -a dead sheep has more power so do not let them bother you and never contact them. It is a pity that you wrote to PE  which would be perfectly normal, except with crooks like PE  as you may have revealed you were the driver. You have lost the protection of POF A but it is not a fatal. Please do not even think of paying a penny. The amount may go higher in the short term but when the poor dears do not hear from you they get worried ( because they think to won't pay) do they start sending begging letters and reduce the amount owed.I One of the Site Team will be along shortly and give you a template to fill in which helps us to give you the best advice should they not give up. Just complete the form and post up photos of the signs at the entrance to the hotel and others around the car park and the terms on their ticket machine if there is one.
    • HI   You took possession of the Property in 2010 but when did you end the Tenancy Agreement?   Did you give them the required Notice to end your Tenancy?   You mention you paid a Deposit in 2010, was this returned when you ended the Tenancy?   You need to know exactly what they are claiming money owed is for and surprised that solicitors letter does not mention this.   Send the Landlord a Subject Access Request (SAR) asking for 'ALL DATA'  (ensure to send a copy to the Solicitor acting for them as well. 
    • yes only court...   can I confirm this was settled via Barclaycard and chargeback as it was a debit card, rather than section 75 via a creditcard?  
    • Hi   Sorry for the delay in getting back to you don't worry we have not forgot you.   So they have destroyed ALL DATA personal to you as you did not take the Property. (really they have put there foot in it)   If they hold no personal data then they have NO evidence of what was agreed to with your Holding Deposit and the refusal to return it.   Now if it was me I would let them drop themselves in it even further by responding to there SAR response.   Thank you for your SAR Response dated XX/XX/2019   Due to this response I require clarification of the following:   1. Have you followed the Data Protection Act 2018 & General Data Protection Regulations on Destroying My Personal Data?   2. If you have Destroyed All My Personal Data then what documentation do you hold that I have signed/agreed to the Holding Deposit being Non-Refundable and to provide copies of this documentation.   3. I require a copy of your Policy on Holding Deposits   Please bear in mind the above is what I would do.   I do think it is looking like you may have to go down the court route (make sure and have a good read of that link I previously gave you to the Tenants Fee Act).
    • HI   Firstly the parking in front of your drive, do you have a pavement with a Drop Kerb in front of your property to access your driveway, if so are they infringing on the Drop Kerb? (note your can ask the council to to paint a white line with lines at the end on the road in front of the drop kerb please note there may be a cost from the council to do so)   As for the CCTV look at this ICO link: https://ico.org.uk/your-data-matters/domestic-cctv-systems-guidance-for-people-using-cctv/   Due to the new DPA/GDPR if you have CCTV on your Property and it views outside of that Properties Bounderies they then need to register as a Data Controller with the ICO.   So I would make a Formal Complaint in writing to the Councils Data Controller, ICO (specifically asking if this individual is Registered with them as a Data Controller) & Police, you need to keep a good paper trail of this individuals actions.   I hope this individual knows the Law on Harassment as from your thread that is the impression I get is no matter what you do they will find something else to complaint about.  
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Jsgirl

Egg loan - CCA - Help!

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I've got a problem with Egg dating back to 2005/6 which has just reared its ugly head again and I'm looking for some help.

 

Loan dates back to 2004. Borrowed for myself and ex. Got into financial trouble around fairly cataclysmic separation from ex and closure of business in 2005. Tried to settle this back when house sold and they refused £16k on £20k o/s. Been paying £1 a month since then.

 

About a year or so ago they threatened to 'review' the payments and I updated them on the fact that I've been ill and not working so no income. They sent me an agreement to the £1 payments again BUT with a review in just a few months. I sent a CCA request and they returned it. No review happened, suprise surprise. They wanted all sorts of information and history which I was told I was not obliged to provide so I ignored it. All went very very quiet. I took advice and was advised (perhaps wrongly I suspect now) to continue paying the £1 and let sleeping dogs lie.

 

Then out of the blue a month ago I get a letter from a DCA (Moorcroft) acting on behalf of Egg, containing the usual threats and demanding immediate settlement of the full amount.

 

Took some advice and sent them a CCA. Copied this to Egg expressing suprise as the agreed payments continue to be made; demanding compliance with their duty to provide the CA and full statement which I will need for my upcoming divorce settlement/negotiations. (The only thing I've had from them in between was a nonsensical statement with an opening balance of zero and my £1 payments.) And telling them that I was not obliged to provide them with anything further.

 

They've now sent me a CA which looks okay EXCEPT that it's two separate pages - ie the signature is on second page and all the necessary stuff - amount of loan, interest rate, apr and payment details - are on the first.

 

I will find out how and try to upload said CA. The letter is just 3 lines... further to your recent request, pleasure in enclosing a copy of your signed CA in accordance with your rights under the CCA and a copy of your t&Cs (which constitute another 3 pages - with interestingly something redacted/blacked out in the opening para - so I shall try to upload that too.)

 

Hoping to find some advice on what on earth I do now.

 

thanks everyone.

 

Js

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A big please added to the above request for help!

 

Any thoughts or opinions would be really appreciated and I am hoping to work out how to upload this darned 2 page CA tomorrow, I promise.

 

Thanks again

 

Js

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