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CO-OP Credit card - reclaiming charges Help


sandpearl
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My husband had a credit card in 1998 with co-op bank that defaulted in 2001,

they got a Judgment in 2002 and was passed to several debt collections where he has been on a payment arrangement with red Castle recoveries.

 

He sent a SAR letter on 19/3/12 and today he had a reply that they can not locate anything for him.

 

I found a statement from Red Castle Recoveries dated 31/3/10 listing agreement of payments made between you and co-op.

 

His last letter from co-op on dec 2007 was to say his account was been passed to red castle.

 

My question is surely co-op have records back to 2007 which is within 6 years.

 

Can anybody advise what to do next?

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its very unusual for a CCJ to be passed around.

 

the ohly person he should have ever paid was the named company in the judgement box.

 

tell us more of the history please.

 

me thinks the payments never went off the debt?

 

did the letter say passed or sold?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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On the judgement issued on April 2002 it has Page & Co Solicitors is where all payments need to be made.

On 26/3/04 he received a letter from PW Kerns that they have been instructed to act on behalf of co-operative bank and all payments must be paid to them.

On 12/11/07 he had Notice of change of solictor informing PW Kerns have ceased to act for them and they will be acting in person.

also on 12/11/07 a letter from co-op saying account has been passed to Gothia Limited trading as Red Castle Recoveries for management & collection.

on 5/12/07 a letter from Gothia informing him that they were dealing with the account.

On 14/6/09 A notice of change of solicitor what has box B ticked: We Gothia Ltd have been instructed to act for the claimant in this claim, Gothia Ltd having purchased the debt on 31/12/2008. Application to amend will be made to the court in due course.

On 31/3/10 Gothia send a statment from 01/10/09 - 31/03/10 and it just says Statement relating to an agreement originally made between you and the co-op.

Last had letter from redcastle in Novemeber 2010.

I would have thought co-op would still have information on their systems regarding this.

He doesnt know what his outstanding balance is but he is still paying monthly, should he stop this until he finds out more information.

 

Thank you

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i wouldn't no

 

it looks to be correctly assigned/sold

 

but i agree something smells here

 

you should have at least been getting yearly statements of account

 

i've asked someone to look in

 

dx

 

esp as they did not go back to court in 31/12/08?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Sandpearl

 

DX as asked I look in.

 

The Coop are fobbing you off they must retain all paperwork for at least 6 years and even longer.I surmise the debt as not been assigned just the collection.The CO acts as security for the claimant (The COOP) what would be the point of selling the security on a debt you defaulted on.As DX as advised you should not hold payment but be persistent with the COOP until you unravel this fiasco and find the true trail of were you money is actually going and the balance now outstanding.

 

Regards

 

Andy

We could do with some help from you.

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Thank you DX & Andy for your advice, I will send them back a reply today with photocopies of their letters, Im sure they will then be able to provide me with my SAR, their 40 days to comply was up this week, so I gather it was a delaying tactic on their part, but hopefully I will get to see weather the money was been allocated to the account, I will keep you posted.

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  • 6 months later...
  • 4 weeks later...

the user has not posted since may

 

and has not been to cag since october

 

whats your issue?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi - I don't have an issue as such but merely interested as I have sent a SAR off to Co-op regarding an old credit card going back to the 1990's but have not received a reply as yet (still time yet though as 40 days not up).

 

The only thing I would say is that there are so many threads on this excellent site that remain incomplete or unconcluded which is a shame.

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tap us and run!

 

have you got a thread going on yours?

 

co-op do cough quite nicely

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

It is not a case of 'tap us and run'.

 

This site is an informative and supportive site, and as such is a great help.

 

My point is that I have read many threads which are very interesting but are not finalised and so we do not know the final result.

 

Do people just give up? I appreciate that by the same token many are finalised.

 

I have asked several questions on here and opened threads but frankly I have had little response to quite basic questions.

 

I am sure as a moderator/administrator you know how many questions I have asked.

 

I cannnot see the point in getting in to a slanging match with you.

 

I asked (once again) a perfectly reasonable question which for some reason you seem to take offence at.

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hehe

 

me no me you

 

i meant - thats what happens with threads

people tap us for help = then run.

 

never bothering to resolve their threads

nor

donate to the site.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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