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    • Hi Tawnyowl here,i have been watching events over the last week or so as things develop. Labrat,such a sense of humour.😀 Hi honeybee13 . Sure does     Anti-fracking campaigners have reacted with concern to news that the British Geological Survey (BGS) signed a non-disclosure agreement with Cuadrilla over access to operational data. https://drillordrop.com/2019/08/24/suspicion-over-fracking-firms-secret-deal-with-geological-agency/   Cuadrilla has been accused of trying to downplay last night’s 1.6ML earth tremor caused by its fracking operation near Blackpool. The tremor, at 8.46pm, was the largest so far recorded at the Preston New Road site since fracking began there in October 2018. https://drillordrop.com/2019/08/22/living-in-fear-residents-respond-to-1-6ml-fracking-tremor/ Energy firm Cuadrilla said a 2.23-magnitude tremor was recorded at its facility near Blackpool at 11.01pm on Saturday – the third “micro seismic event” this week. While some local residents may have felt the movement, it was not strong enough to have caused any damage to property, the firm added.  Do you believe anything this company says. Like their so called micro seismic events you would think damage could have been caused to properties. Once buildings start shaking this must happen surely. I was approached this afternoon while at a cricket match. Just chatting way about this and that when the person said Did you feel the Earthquake last night. I had not even heard about it,tell me more i said. Lights and windows shaking moving around about a mile away on one of the North of Englands largest housing estates. And there are reports of many more people feeling this event covered on this link. Why should a community be put through this,waiting for the next one. People living around Cuadrilla’s shale gas site reported shaking buildings and windows last night from a 2.1ML tremor. This is the strongest seismic event so far induced by fracking at the Preston New Road site near Blackpool. It brings to more than 90 the number of tremors since fracking resumed at the site less than a fortnight ago. Within minutes of the tremor, there were reports that people had felt it from surroundings towns and villages including Blackpool, Weeton, Westby, Peel, Kirkham, Wrea Green, Great Plumpton and Lytham St Annes. Much more on the link. https://drillordrop.com/2019/08/25/call-for-fracking-ban-after-2-1ml-tremor-shakes-buildings-around-cuadrilla-shale-gas-site/   You might notice that the BGS has a page now for human activity causing Eartquakes-link Last updated: Sun, 25 Aug 2019 18:10:00 (UTC) This list contains seismic events for which there is strong evidence that they have been induced by human activities. It is linked to a database of seismic events and locations and magnitudes may change as events are re-analysed and revised. Background, tectonic seismic activity is reported on our recent earthquakes list. http://earthquakes.bgs.ac.uk/induced/recent_uk_events.html   I had better leave it there for now, more soon.,how will it all end because surely it will. Things cannot carry on much longer like this,can they? Bye for now. Tawnyowl writing from the Earthquake centre of Great Britain courtesy of Cuadrilla Fracking.
    • happy for mod to move it to suitable location under thread title Background: Thanks in advance for any thoughts you can share. This is a very long history, I appreciate your time. In 2011 I took out a £8500. loan from Borro private finance against art and jewellery to make ends meet. The agreements are attached below. This is a CCA. Borro regulated by the FCA. The interest rate is APR 68.8  % for 6 months.  I paid the interest and capital during the period term. On 3 May 2012  I renewed this loan at 79.4% interest for another 6 months.  Last week I requested all evidence the lender holds concerning the agreements. Missing are 03/05/2012 through 14/06 2013.( not under a SAR).  I fell into arrears on the loan and one piece of jewellery was sold, reducing the balance to £6400. Dec 2014.   The lender took a payment of interest £2044.16.  Renewed against the other items ( art etc) on this loan.  The new interest rate increased to 88.8%  . At the time the ring was sold, I requested all documents concerning the sale. Borro produced none. The ring is appraised at $17,5000.  £14,000.  The ring was sold for £3500.  I have an appraisal. I was notified prior to the sale. The ring was sold by "private treaty". I continued to ask for information about this sale until todays date. No information has been provided.  I took a huge loss . The ring is not clearly described on the inventory compared to the appraisal. Documents missing from Borro response to my request include 25/10/2014 to 10/04/2015. I was in arrears on this loan and a new agreement was made. The loan amount was increased to £10,810.00 and the interest rate decreased to  80%.  what is interesting is that the lender should have sold this ring, the value was sufficient to pay off my debts. But that is not what happened. someone got a deal on a nice ring.  II. ON 1, Jan 2012, I took out a second loan in the amount of £3000 against another piece of Jewellery. The interest was 68.8%. I paid the P&I on this loan.    Missing from the requested information is agreement from July 10/2012 until 12/12/2012.  I did pay interest during that period and on 12/12/2012 through 11/06/2013 I renewed  with an interest rate for 79.4 %.  I renewed on 04/07/2013 through 03/06/2014 interest rate 97.8%.  I renewed this loan on 03/01/2014 interest rate was 88.8. Take note there is very little description about this item. I redeemed the loan but ended up back in the pawn. 19/06/2014 to 18/12/2014 interest eat 94.5%. I renewed this loan again 19/03/2015 . Interest rate was 93.2%. Now there is a clearer description of the ring. Documents missing from Borro response to my request include 012/06/2013 to /10/2014 to 10/04/2015. Information on the  description is also scant until I took the loan out again in 2014. The last payment on either loan was March 2015. Default date was September 2015. The lender still has my property.   PROBLEM: In 2013, Borro became aware that the reason I had pawned these items was that I was a plaintiff in a substantial lawsuit in the US. I borrowed because I had lost my job. I was not able to work( I had been FCA regulated). I was facing eviction, had serious financial stability  and some mental health problems. I gave them a copy of the pleadings. They are aware that I had claimed these loans as part of my damages.  In 2015, Periodically I requested the accounting. Some was provided some was not. As a result, in  2016, the head of credit wrote to me " "Thank you for coming in to see me today. As discussed, we will freeze your accounts with us from today the 14th October 2016 until the 31st of December 2016. This will mean that no further interest will accrue until the 31st December 2016 and we will not consign to sale until on or after the 31st December 2016."  I did not hear from them again until  08 February 2017. On 30/03/2017 I responded to Borro request that I give them an update on the accounts. I wrote that I needed a settlement figure.  No response the following week I personally met with the manager I had been dealing with. She told me that " we are not going to sell your property". We understand that you have fallen on hard times, we are human. How long will it take you to sort this out. I responded about 2 months."   I did not hear from Borro again until I wrote to them on 18/03/2019 where I stated, " the last time we met you were going to give me a settlement figure". There was no response. As a result, on  18 March 2019 I sent  an email to - Subject: RE: Borro Accounts. Dear Lender. Hello. The last time we met, you were going to give me a settlement figure. Litigation is still ongoing. We have a potential investor that has asked me to get a figure from you. Depending on that number, I can let you know if I can pay the bill and collect my things in the next few weeks. Please get in touch as soon as possible". no response.   In early July 2019 I received a call from someone at Borro. It was not a good time. I asked him to call me back the following week. I did not hear from him again either. On  6 august 2019 I received an email from Borro that I should log into my account. I was unable to. The following week I wrote to them and in summary: On 13/08/2019 I wrote and included a summary of the events: I am writing to advise you that I am obtaining advice concerning the  account. You are aware that you have not pursued any further action on this account since approximately 2014(or earlier) . This is because I had an agreement with Name Deleted that Borro was not “going to sell my property,  I recited the above summary of events.   Certainly, I had no intention to give up valuable property for almost 8 years and pay interest and principal for this long. I want to develop a resolution to the matter between us. In order to achieve this, Please can you provide me with the following information which is attached in a spreadsheet: I need a very simple accounting and please answer the below: Any renewed loans where additional credit was extended through the re-appraisal of the assets ( ie using the asset as leverage) to extend further credit where the loan proceeds were applied to the loan for reinstatement purposes. What were the source of funds for the last payment made? Because I am seeking advice with a view towards finding a resolution, I would appreciate it if you could hold action on the above account for a period of at least 30 days to give me the time  I need to obtain advice. If you are adding interest or other charges to the account, I would be grateful if you would freeze these during this period so that my debt does not continue to increase. Please can you send me the enclosed spreadsheet and the documents you loaded into my account as soon as possible. This will enable me to obtain accurate advice. I will contact you again as soon as possible with further details of a  proposal to resolve the account. ( so far this lender has not complied with my request)   SETTLEMENT OFFER From: Borro Customer Service <Contact@borro.com> Sent: 14 August 2019 13:22 To: Subject: RE: Your Loan Account   Dear borrower. Thank you for your email and for getting in touch with Borro. As you would be aware there have been many loans with Borro, with two loans that remain outstanding which we are seeking to resolve with you. Given the significant period these have been overdue, the current balance on these two loans is almost £52,000 of which the majority is interest. In order for you to move on from this debt it is proposed to sell the collateral associated with Loan DIAMOND RING 175643 in full and final settlement and return all the items under Loan 198678 to you. This would generate a loss for Borro of approximately £49,000, however given your circumstance this is something we are prepared to offer. While I would love to pay Borro £3000. I do not currently have the funds. Borro is aware because I wrote to them on august 13 advising them i am not working. I do not want to lose my property. I need to find a way for them to walk away, give me my property back. WHAT ARE MY OPTIONS? Below are the questions I have or could raise in order to "negotiate with them". Is this a high interest short term loan? What are the effects of an CCA that has an interest rate of 93.6% and is renewed every six months? It appears that one loan was "Refinanced".  What FCA terms did they violate which might apply to this situation ? After the agreement expired and terms were changed, what rights does the PB have to collect further payments or sell the ring? Did they waive their rights to further payments? How can I use refusal to produce sale information concerning the first ring, to negotiate my way out of this? What is interesting is, they sold a £14,000 ring privately, concealed the buyer and other information, then turned around and INCREASED THE INDEBTEDNESS substantially. In fact they want to do this again, but this time are offering to  write off £49,000  in other interest. What am I missing? What effect does violations of FCA 6 and 7. help me to negotiate a settlement. Is the FOS effective threat to the firm to pressure a settlement? Does a cost cap apply to these loans and if yes what is the amount of the cap? How can I use the current appraisal and FCA or any other rules to stop them from selling the ring for less than market value? I have someone looking at the accounting to see if there are errors. found several when query. anything you can find that voids the agreements? Anything else you can think of THANK YOU!!!   RING.pdf art.pdf
    • I am so sorry I see the confusion now, I was meant to say CAB not CAG. They are just sending him letters to copy and send which doesn't seem helpful at all.    I also apologise for the vague details right now. I actually thought he had got rid of the car already until he mentioned it as he dropped me off home, so I've only got a vague idea myself, i just wanted to see if there was anything he could do other than send letters. I will get more details from him and update this thread, or get him to join as you have advised.  sorry 
    • It was a late payment, no default 
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WDA additional charges, do i have to pay these?

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Hi all,

 

Im starting this thread with the hope that I can get the necessary help but also to hope others with the same issues I have.

 

Ive read many threads about this company and hope that people can give me the support to challenge them about what I have to or should pay back.

 

My story in brief:- Used WDA a few months ago to pay an outstanding debt (Traffic Offence) which resulted in baliff coming to my address. I could only pay them a small amount which was the money I got from WDA. The following month I had to use them again as after paying them in full, left me short again and this continued over the next few months, paying in full but then needing more from them to live.

 

I now owed £420 plus £120 in interest totally £600. I was then hit with an internet fraud against my bank account which resulted in me not making any payment to WDA and after my phone call with them today, I now owe £657.45.

 

After reading other threads ive asked if I can spread the owed money over a number of months but was instructed that i have to complete and I and E which will be emailed today.

 

My question is, after completing this email, can I only pay back the £600 and if so, how do I get them to refund the additional charges and what sort of terms can I suggest.

 

All views and advise is very very welcome.


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi all,

 

Received the promised email -

 

as follows,

 

Dear Mark,

 

Thank you for your recent correspondence, please find attached an income expenditure form for you to complete in order for us to accept a reduced monthly payment.

 

Please complete the form in as much detail as possible and we will also require last months bank statement to support the income expenditure form, please ensure the form & the supporting document/s are returned to us within 5working days. Failure to do so will result in your account been processed which means you will incur daily interest, receive calls, emails & sms.

 

You also authorise WagedayAdvance to collect outstanding monies from any account details you have provided to us.

 

Regards

 

Not allowing them to have bank statement, not disclosing my account details, can i do this and still get a payment plan?


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi Mark,

the second paragraph finishes with the usual threats designed to instill fear.

But the third one is the one to be very careful of - they will fleece you without a second thought. If they have ANY card details of yours then I suggest you cancel that card immediately. If they dont have that information, dont ever give it to them.

You will have to look in the T&Cs to see what you might have agreed to regarding charges, but whatever you discover there, you must now take control and only pay them what you comfortably can.

You will get all the threats etc - they will never stop. Just look at them as standard proceedure and not particulary aimed at you.

If you have a copy of their T&Cs then post them on here so we can have a good look through them, but either way, only give them what you can reasonably afford

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what is wda?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi Merlin,

 

Thanks for your reply. Due to an internet fraud the account details they have for me are unusable due to my bank blocking any outgoing payments. I am in the process of opening a new account but no one is getting details of that as im sure you can understand.

 

I have read lots of threads regarding WDA and some people say you can reclaim the charges, but its not clear what the process is to do this, any pointers would be useful, but ill keep looking too.

 

I will have to ask for a copy of the T&C's, as i did this online i dont think i never had a copy, like most people i guess, i probably ticked a box but didnt read the small print, lesson learnt but ill see what i can find and post for all to look at.

 

Income and Expenditure sheet completed and been emailed back, should be interesting as no other details are being sent and ive also stated that i dont give them authorisation to take monies from me. Ive requested their bank details in order to set up a standing order.

 

dx, sorry for not writing in full what and who WDA are? my fault, oops sorry again


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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moved to payday load forum

 

hope this is not your real name either

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi all,

 

I have just sent my email with income and expenditor sheet attached. Now waiting for there reply.

 

Hi ****

 

Please find attached my Income and Expenditure Sheet, fully completed as requested.

 

I will not be supplying any bank statements, as you are aware my account is now closed due to internet fraud, banks and legal advise have instructed me not to disclose such information and it is not needed by company's like yours to arrange a structured repayment plan.

 

After my recent experience with a fraud, I will not be authorising you or any other company to collect funds from my account, however I am more than happy to set up a standing order for an agreed amount.

 

I propose to pay you £50 for 12 months totally the £600 i borrowed, I will not be accepting any future charges or interest on this account. I'm also very happy to review this after 3 months and will increase payments if my situation has improved.

 

I trust that you will agree to this, every company I have been dealing with regarding my situation has been extremely kind and helpful, I trust you will take the same line.

 

Look forward to hearing your reply, with your account details please in order to set up the promised standing order.

 

Kind Regards


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi again

 

A reply from WDA reads as follows:

 

Dear Mark,

 

Thank you for returning the Income/Expenditure form. We do ask that you supply proof of the court fines you have put under your priority debts, please send this to us as soon as possible.

 

Also, please be advised you have already given your authorisation for us to collect funds from your account in your signed loan agreement with us and we are authorised to collect any outstanding balance owed to us using any account or card details you have provided us with.

 

Regards

 

ADVICE PLEASE, should I send details of what's requested???????????


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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It probably would help and is not going to give them any details of banks, I had the same thing with these, told them no bank statement, but did send proof of my extra bills(council tax backdated) and had no problem, they agreed straight away, added £36 to the account, but that's all.

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thanks for your response. I will consider finding requested info regarding the fine, but really not to sure I need to. Surely the fact im willing to pay the bill on my terms should be enough for them to help me out of this current situation?


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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woe

 

who do these muppets think they are!!!!

 

you TELL THEM what they are

going to get PCM end off!

 

its YOUR MONEY take comtrol!

 

PDL companies can ONLY demand the loan totAL+ 1 months int as far as we believe

 

this is NOT a priority debt.

 

if they dont like your offer tough!

 

dx

.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dx - love it.

 

That is my thoughts completely. Since reading more and more into these companies, they can whistle if they think they are getting more and more out of me. I was stupid to ever use them but sadly sometimes you are driven to making silly decision, on reflection they only make life worse. Cant change the past but am certainly on a mission to change my future. They will get what I can afford without taking food off my table and nothing more, including extra interest which lets be honest, 1 month of their interest is like 12 months somewhere else.

 

Its this site and support from others which has given the fighting sprit so thank you to all.

 

Will post my reply email to them 2mr once I have worded it nice and firmly but fair. :)


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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:lol:

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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I have read before that they should not demand documentation, whilst I agree, I do think that some agreements are missed out on or drawn out longer due to rigidness, personally I saw no harm in it as it was proof that what I had said was true, also means you have proven yourself true to your word with an easy task, any demands after can be denied on the grounds you have shown your intentions, just me covering my ass if they go court. showing willing.

 

I take it you disagree Dx ?

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Hi all,

 

After having a think I decided that giving this company details of the bailiff company which hold my court fine could have very bad after effect. Did risk it so sent the below instead. Email was based on other site member so thanks for allowing people like me a make personal changes on what i thought was a great letter.

 

 

Dear *********

 

Firstly as I have already stated in my last email, I will not be able to give you any bank details as my old current has been blocked due to internet fraud. Obviously, due to my unforeseen circumstances, my income and expenditure is extremely unstable at this moment. But in any case, you have no right to obtain my income and expenditure information at all, but I have showed willing in providing this for you. However, I will not be sending you any further details concerning current outstanding debts - (these would not detail all of my items of expenditure anyway however what I have already sent does give you a sample of my financial situation).

 

Once we have agreed on a payment plan I will happily set up a standing order for the agreed monthly payments to come from my new account when it has been opened.

 

Please can you therefore with immediate effect, not attempt to take any payment from my old bank account, either by direct debit or using my Visa Debit card details supplied as this will only be blocked by my bank and will be a pointless exercise.

 

I would now at this point like to confirm my suggested a payment plan with you and freeze any further interest and charges going forward so I am able to pay off my debt with you as quickly as possible, contacting me either by letter, e-mail or on my personal mobile number only. Contacting me at work would cause me further distress and I would also class this as harassment as I do not wish to be contacted at any point regarding this debt whilst at work.

 

 

It is with great regret that I am having to ask for a repayment plan, but due to these unforeseen circumstances which have now effected my ability to repay the loan to you in one lump sum, I have no other alternatives available. Again due to my situation I will also have to contact all of the other companies who I pay by Direct Debit to arrange payment options with them also as this has left me totally penniless and I have no idea when I will be able to get back on track.

 

For my protection, and from a legal point of view, I would like to inform you of the following:

 

You have 3 methods of contacting me (letter, e-mail, personal mobile - which has voicemail enabled for messages to be left) which should be more than adequate for your company to communicate with me regarding the repayment of the loan. I have heard / read stories about people being constantly contacted when in my situation and I must inform you that I will be taking note of all methods of communication (times, dates etc) so to keep a record should I feel that I am being harassed or continually contacted, receive calls that are cancelled within a few seconds or receive automated voicemail messages asking me to contact you back. Please can you confirm that your company agrees to my preferred methods of contact and will not contact me whilst at work, either on my personal mobile telephone or work number.

 

 

I must inform you in the strongest manner that I do not wish to be contacted at my place of work at any point regarding this loan / debt as this could jeopardise my employment and therefore I would not have the monies to repay the loan to you. My work telephone number was only provided for you to confirm that I was employed and that my place of work had a working land line, and this is what you informed me when setting up the loan. My work environment is not a place for me to discuss personal finance matters, or arrange further more convenient times for us to discuss matters further if you cannot do this by letter or e-mail. I can only be contacted by telephone on my personal mobile number between 5pm and 9pm Monday to Sunday. Any calls before 5pm will not be taken as I am at work, but voicemail messages can be left for me and I will contact you back at the earliest possible convenience, if this is not convenient for you, then a letter or an e-mail communication will have to be used. I expect not be contacted on any other number than my personal mobile number, and should I find this is happening then I will seek immediate legal advice as I have now given you prior notification regarding this.

 

I have no doubt that your company fully understands my situation and will adhere to Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997 whilst I am arranging repayment of the loan with yourselves, and throughout the duration of any repayment period. I am fully aware of the OFT debt collection Guidance and I will consider making a complaint about a company's behaviour under the guidance if it becomes apparent that you do not follow the legal guidelines and would have no other alternative than to seek legal advice. In particular section (2.2 g) 'Ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for example, shift workers who ask not to be telephoned during certain times of the day'.

 

I do hope however, that we can arrange a payment plan to alleviate the stress of my whole situation, and to also enable the repayment of the loan to your company as promptly as my finances will allow. I look forward to hearing from you and will help in any way I can to organise repayments with your company as soon as possible.

 

Regards,


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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ooops DID NOT RISK IT, i meant to say :)


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Hi all , next WDA RESPONSE from the above email:

 

Dear me,

 

Thank you for your e-mail.

 

As requested in my previous e-mail please provide us with proof of the court fines you have listed on your Income/Expenditure form. You are correct in stating that you are under no legal obligation what so ever to provide this information to us. However, we are perfectly within our rights to request this, and we will not agreed to any re-payment plan without seeing the requested information. Payment plans are not a normal part of our service and are set up as a good will gesture for customers in genuine financial difficulty, but we are under no obligation to agreed to any such plan with any customer no matter what the customers situation may be. Before arranging a payment plan for a customer we do request certain bits of information, and if you are not willing to provide us with this your account will be processed in line with our terms and conditions.

 

Regards

 

---- TIME FOR ME TO DO MORE READING THEN I THINK


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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My reply is as follows:

 

Dear *******,

 

As detailed in my original e-mail to you, I would like to reitterate the following points:

 

There will be no money in my account available for you to take your payments (scheduled payment was 31/08/11) due to account closure

No attempt should be made to take payment as this will incur further issues I have already and hinder repayment to you

I do wish to set up a repayment plan with you

I ask that all charges / interest are frozen to aid a fast repayment of the loan

Must only be contacted on via my personal mobile number, letter or email

Never contact me on my work number as this will jeopardise my employment

Only telephone me between 5pm and 9pm Monday to Sunday

The e-mails I have already sent you show how I have contacted you over the past week or so to inform you of my situation, yet I have still not received any clear communication regarding setting up a payment plan. Nor have I witnessed any concerns regarding my situation, confirmation that you will not attempt to take funds from my account or confirmation that interest will be frozen and no further charges applied to my account.

 

After contacting Trading Standards via Consumer Direct, I have also read and been made aware of CPUTR and will be following everything closely to ensure that your company follows the legislation set out. I look forward to speaking with you soon regarding setting up a payment plan to enable full and final settlement of my loan over the coming months.

 

Regards,


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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THERE RESPONSE ????? Email with no txt, just a attached file - this letter?

 

10 September 2011

 

Dear Mr **************

 

 

Agree No : ***********

Amount Outstanding : £657.45

 

 

Your Wage Day Advance loan or interest payment was due recently but we were unable

to take this payment.

 

Having signed the Credit Agreement, you will be aware that missing payments can have

severe consequences and that you may be liable for default charges incurred. Could

you please contact us as a matter of urgency with either an alternative way for us to

take payment (credit card other debit card etc) or advise us of when we can take

payment with the card details we hold on our system.

 

Unless you contact us within SEVEN DAYS of the above date with your firm proposal

of payment your file will be passed to our Collections and Litigation office for a

decision to be made as to the next course of action in recovering your debt. This will

incur more charges for missed payments, letters and interest. If you have paid the

amount owed in full or made an arrangement with us about the repayment of your debt

before you receive this letter, please ignore this letter.

 

If you are experiencing financial hardship please contact us to discuss the matter, this

may prevent further action being taken.

 

Please be advised that until you contact us your file will be processed in the usual

manner, as laid out in your signed agreement.

 

Please Call 01756 707306 for our Collections Dept, who will be happy to help.

 

*** Please Note, Default charges will apply ***

 

Yours faithfully

 

Wage Day Advance Ltd

 

Im going around in circles here, can someone please advise where i can take this to get it resolved.

 

Please help, many thanks


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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MY NEXT RESPONSE:

 

Dear ******,

 

Thank you for the letter but we are going around in circles here. I don't know why you have sent it to me because I am in contact with you on a daily basis, you are totally and clearly informed of my situation and I am trying so hard to set up an arranged payment plan with you, in order for me to pay you back but you are being totally unreasonable and making this impossible for me to do.

 

Unless you agree to a payment plan of some sort, I will include you in with my non priority debts, and you will receive a token payment of £1 per month until I am in a position to increase payments after my current situation improves. I will also be looking forward to hearing the views of Trading standards as to the unfair manor you have dealt with this issue.

 

As detailed in my original e-mail to you, I would like to reitterate the following points for the 2nd time and highlighted my main points :

 

There will be no money in my account available for you to take your payments (scheduled payment was 31/08/11) due to account closure

No attempt should be made to take payment as this will incur further issues I have already and hinder repayment to you

I do wish to set up a repayment plan with you

I ask that all charges / interest are frozen to aid a fast repayment of the loan

Must only be contacted on via my personal mobile number, letter or email

Never contact me on my work number as this will jeopardise my employment

Only telephone me between 5pm and 9pm Monday to Sunday

The e-mails I have already sent you show how I have contacted you over the past week or so to inform you of my situation, yet I have still not received any clear communication regarding setting up a payment plan. Nor have I witnessed any concerns regarding my situation, confirmation that you will not attempt to take funds from my account or confirmation that interest will be frozen and no further charges applied to my account.

 

After contacting Trading Standards via Consumer Direct, I have also read and been made aware of CPUTR and will be following everything closely to ensure that your company follows the legislation set out. I look forward to speaking with you soon regarding setting up a payment plan to enable full and final settlement of my loan over the coming months.

 

Regards,

 

 

I do wish to sort this matter, so again please get back to me soon, regarding setting up a payment plan to enable full and final settlement of my loan over the coming months.

 

Regards


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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UPDATE :-

 

Received a txt message yesterday saying " please call our collections department on 01756 ****** ASAP to discuss your account and prevent further action being taken, Wage Day Advance Ltd."

 

I called them and was planning to say, do not txt me and please only deal with me in writing, you have a number of emails regarding my account so read them and then respond.

 

I was asked to wait 1 minute while he checked what I said was true. He came back to me, asking a question relating to my court fines, I replied by stating I'm not discussing that issues nor will I be sending you the requested info about it, HE REPLIED" YOUR RIGHT YOU DONT HAVE TO DISCUSS THAT NOR DO I NEED TO SEE IT".

 

Within seconds of saying that he then agreed to a re payment plan of £50 for the next 3 months via standing order which I had proposed to them and we will review the account after the 3rd payment has been made. He will be emailing me confirmation of this telephone conservation, I will check the details when they arrive and UPDATE all again.

 

I hope this thread is helping others, please feel free to add you views, if I can help others with the same issues, Im more than happy.


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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Details of the email I received within minutes of coming of the phone:-

 

Dear ******,

 

Thank you for your recent contact.

 

We have agreed on 3 monthly payments to be made via standing order to the following bank details:

 

******** Bank

Account Name: Wage Day Advance Ltd

Sort Code: **-**-**

Account Number: ********

Customer Reference: *********** (please quote when setting up your standing order)

 

Please be aware your balance from the 30th September will be £687.48 which includes £51.48 interest, which I have frozen for you from today’s date, and also a £36 default charge.

 

We will allow a few days after the last working day for your payment to be received.

 

Regards

 

IF YOU REMEMBER I ONLY BORROWED £480 LOAN + 1 MONTH INTEREST £120 = £600 , THEY CLEARLY WANT £687.48. SO MY BATTLE ISN'T JUST YET OVER !!!!!!


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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MY REPLY :-

 

Hi WDA

 

Thank for you the email regarding my repayment plan.

 

I have noticed that you have the outstanding amount at £687.48.

 

This is not the amount in which I am agreeing to. I am prepared to pay back the £480 plus 1 months interest of £120 making a total of £600. Can you please reply to confirm this and also state that the amount is frozen and will NOT be incurring further charges or add interest.

 

I look forward to receiving you confirmation of this showing the repayments agreed with due dates.

 

Kind Regards


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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RECEIVED THIS MORNING:-

 

Dear *******,

 

Thank you for your email.

 

We are unable to waiver the interest and charges which have accrued as on the 30ths August we did advised you to contact us as soon as the direct debits returned, however we didn’t hear anything until the 7th.

I have agreed to freeze the interest as it is so no further interest will be accrued throughout the payment plan, but that is all I am able to do.

 

Regards


NATIONWIDE:

WON - 26/10/06

FULL REFUND - WITHIN 7 DAYS OF MCOL

Acknowledged - 25/10/06

MCOL Issued - 24/10/06

MCOL Sent - 23/10/06

LBA sent 01/09/06

Prelim Sent - 07/08/06

BARCLAYS BANK:

AQ sent 25/1/07

Defended on last day possible.

MCOL - Issued 13/12/06

MCOL- Sent 12/12/06

S.A.R - Sent - 25/10/2006

S/Ment rec - 4/11/06

Prelim sent - 6/11/06

BARCLAYS LOAN:

S.A.R - Sent - 25/10/2006

BLACK HORSE:

SETTLED IN FULL

S.A.R - Sent - 25/10/2006

CCA to get loan agreement info - Sent - 25/10/06

Prelim sent PPI + Charges 11/11/06

CAPITAL ONE

Prem sent 11/12/06

S/Ments Rec - 5/12/06

S.A.R - (Subject Access Request) - Sent - 9/11/06

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