Tbi help

[kev31b]

Hi ,

 

I cca TBI and they supplied the paperwork within the 12 days they asked me to provide income & exp details , do i have to suplly them currently paying them a fixed amout each month and have never missed a payment , what is the score with this ,

[BRIGADIER2JCS]

Was the CCA compliant?

No you are under no obligation

to supply I&E details, stick to your

payment, if they continue to press

fot the info just thank them for pointing

out the need to do anI&E and tell you

have done so an you have to reduce

your payment by 50%.

[dx100uk]

urm TBI

 

theis lot are well lnown for spoofing people into paying old HFC debts that are already written off or sb'ed

 

please post more info and check your cra file pronto.

 

dx

[kev31b]

Hi ,

 

there is no record on cra file there is ppi on the loan so going to claim that back when we asked for sar should they supply the figure they sell the debt for

[dx100uk]

no they never will

 

more history

 

why have you been paying this if its not on your cra file

 

as usual with tbi

something smell bigtime here

 

cancel you payments

 

more timeline history please

 

dx

[kev31b]

So if the debt does not show up on my credit agencies file then I don't have to pay it

Also they keep asking for I & e details what is the score here

[dx100uk]

they have no legal right to know ANY of your pers financial details

 

only a JUDGE can order that.

 

have you cancelled your payments yet

if so do so.

 

.....

 

can you tell us the history please

 

TBI are well known for spoofing EX HFC debtors when the debt is already written off against tax

or

is previously SB'ed

or

is mostly penalty fees and PPI

which can be reclaimied nulling the debt.

 

 

can you scan up the agreement please:

 

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

[42man]

When we refer to SB'd....this means statute barred, so if you haven't made any payment or acknowledged the debt in 6 years (5 in Scotland) OR if there is a gap of at least 6 years where you have not made a payment (despite you paying recently) then it will be statute barred. Is there a gap of 6 years anywhere in the payments ?

[kev31b]

ref the above no i there is no gap of six years i have included the agreements for someone to help

 

cheers

20111128102206526.pdf

[dx100uk]

well you've been well had for insurance

 

get reclaiming

 

£35.75PCM from your 1st payment

all the way through to today

 

nice big windfall there

 

there's rarely nowt wrong with any HFC CCA ever . so put that one to bed.

 

see the fax was 76 pages

do you have all the statements now too?

 

something is very vrey wrong if theis debt is not cleared by now

 

in total you'll pay +£11k on a £5k loan!!

 

and i notice this was a rolloover from a previous loan

 

i'd hold that PPI reclaim!!

 

your windfall has just doubled atleast!!

 

have you got any details of the old loan

 

as you'd have had PPI on that

 

so PPI on PPI & PPI int on PPI int ...bingo ...diddled blind!!

 

what are you currently paying

 

and have you now stopped?

 

dx

[kev31b]

Paid hfc until 2001 then tbi took over paying 10 pds. a month ever since

[dx100uk]

have you all the HFC statements?

 

dx

[42man]

That is interesting....you mention having paid £10 per month, was this an agreed amount ? Were you paying HFC £10 per month under an agreement to pay this amount ? If this was an agreement (that you pay £10 per month) then you MUST keep paying it, as they can't take you to court due to promissiary estoppel - This is what I mean - http://www.consumeractiongroup.co.uk/forum/showthread.php?318698-Connaught-Collections-Statutory-Demand-Received-**SET-ASIDE-GRANTED**/page4&highlight=estoppel