Advice on how to handle DCA with Settlement Offer

[thx1971]

give them another wek after the dealine.

 

have they cashed the payment?

 

dx

 

Hi,

Thanks for quick reply!

No, the payment hasn't been cashed yet, I'm guessing they will try and stall..but want to pursue this as best as I can (with your help!)

[thx1971]

Hi,

Have finally received the SAR from HFC, please could you advise on how to proceed?

[BRIGADIER2JCS]

Go through all the docs provided, check for penalty charges etc.

 

Check for DN and NOAs default date and last payment.

[thx1971]

Hello,

Sorry for the late reply....unfortunately can't seem to find anything relating to penalty charges, Default Notice and Notice of Assignment anywhere.

Is this normal or am I missing something?

[dx100uk]

last payment?

 

dx

[thx1971]

Last payment I made was this month on 01/11/2012.

 

There's a whole load of papers in the SAR,

mostly memos, letters and their communications they've had with me

but I'm struggling to find anything that might relate to a DN or NoA.

 

Now that I have the SAR I would still like to know how to proceed to try and get a settlement figure from them.

 

Thanks

[thx1971]

Please could you advise on how to proceed?

There's nothing much to go on from the SAR...

There is no Default Notice, also there is no Deed of Assignment.

I had 1804.27 repaid to the account on 3/06/2010 but there is a Charge off amount listed as £3760.10

Ultimately I would like to get some kind of settlement on this account but not sure what to do next...

 

Thanks

[dx100uk]

does the account info go back to the pc purchase

how far do the statement go back?

 

dx

[thx1971]

Hi,

The account only covers the loan, not the PC purchase.

Statement goes back to the beginning of the loan - 15/10/2004

[dx100uk]

an sar should give you EVERYTHING they hold on you

not just one account

 

dx

[thx1971]

Hi,

This SAR must have things missing, as I mentioned before there is no default notice or Deed of Assignment and the documentation definitely doesn't refer to any other account...

I've gone through the whole SAR, please could you advise what I should do next?

 

Thank you very much for all your help

Edited November 26, 2012 by thx1971

[dx100uk]

they don't HAVE to supply a DN

only a record of one was sent

 

and you'll never get to see a deed of asssignment .

 

you mean notice of assignment.

 

dx

[thx1971]

Hi,

There's no record of a DN being sent, or a Notice of Assignment.

Am I missing something or from what I've said does the SAR sound like it's as it should be?

Also, if possible, please could you advise me on how to proceed as I would like to take this further one way or the other.

 

Thanks

[dx100uk]

just re-read the thread

 

i'm a bit lost as to why you need the NOA or DN really....

 

6yrs is a bit of a longtime ago to start waving your arms about in terms of rough justice

 

which this was ofcourse

 

you need to go through that sar and findout how the debt got SO inflated before it got to court.

 

have you the statement leading to this period?

 

dx

[thx1971]

BRIGADIER2JCS posted for me to check for DN and NOAs default date and last payment, so I did.

 

I agree but I'm not trying to claim rough justice, even though it was like you say

- I've already complained about this case the the Finacial Ombudsman but got nowhere as it had already gone to court.

 

I just want to clear this debt the best way possible and if i could get something back from them as well as a PPI payment then it would be good.

 

Originally i wanted to get a settlement figure from them but they won't give me one unless I provide a financial statement, which I'm not too willing to do.

 

The CCJ will run out in March and I would like to clear this so I can move on with my life.

[dx100uk]

ok yep i understand that

and i'm with you on it as posted quite early on

 

this is a process of data mining

 

the CCJ will be gone

paid or not soon.

 

as pointed too already

you paying it now

wont make it go away any quicker

a settled CCJ is a bad as an unsettled one.

 

the game here is to get you as much money back

or

off any settlement.

 

now

 

you need to go through the statements you have.

 

if you need to scan them all up.

 

so we can

 

the disgusting thing is the rise inthe debt

from about £4k to £11k

 

have you go ANY data from HFC beyond 6yrs.

 

dx

[thx1971]

Thanks again

I'll scan the statements on now.

The data from HFC goes back to Oct 2004 when the loan account was opened

[dx100uk]

but nothing for the Org PC loan?

 

did you get the/any agreemrnt copy?

 

dx

[thx1971]

Nothing from the original PC loan but there is a loan agreement copy for the personal loan

[dx100uk]

ok so that agreement should show the outstanding amount for the PC loan?

 

dx

[thx1971]

Hi,

I've attached the relevant docs from SAR.

Hope this helps

Edited November 26, 2012 by thx1971

[dx100uk]

sri forget

they must be PDF's

to show sizes

 

dx

[thx1971]

Hi,

I've attached files as PDF now.

These 2 are the statement form the SAR

[dx100uk]

+£200 of PENALTY charges

and that PPI refund looks wrong too

 

dx

[dx100uk]

agreement please

 

dx