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    • Ok I got the Parking company wrong. Sorry. The WS Witness Statement  is what you will need to complete if NPE decide to go to Court. So are you saying that when they finally got round to sending you the correct documents, they dated the new NTH the same date as the original NTH? I hope you have kept the original one and the correspondence with NPE, yourself and the ICO. So yes, please post everything up.
    • Why are you paying them anything? you are just running out the statute barred clock to infinity. Personally I'd stop paying them immediately, and ignore any further communication from them unless it's a letter of Claim.  Also have you moved since taking out the Credit card, if so you need to write to them with your current address.
    • No they must've redacted the contract, that was like that when I received it. Yes correct I was there for 90 seconds!  Yes I uploaded the whole contents of their response to my CPR31.14, which included the original PCN 
    • Hello, I have an old Capital One credit card debt under £1500 for which I've been paying £1 a month for 5+ years. I did a CCA request to Lowell and received the original signed CA plus statements from date of inception to the end of 2019. I can see from the statements that no payments were credited to the account for all of 2019. I know payments were made as they were part of my DMP with Payplan. At the time the account was with Fredrickson.  They have not provided any statements from 2020 to present and I am writing to them to request these. So I'm sure the balance they are pursuing is incorrect - can I dispute the debt amount based on this and render it unenforceable? I've trawled the forums and Google searched but can't find an answer, so apologies if it's been asked before. Any input most appreciated, thank you :-)  
    • Thank you for your comments everyone. I have spoken to Ico about recording my phone calls for my personal use and also mentioned it to a law firm they said i was ok as long as it was not shared and for my personal use. I would never share it. I can easy prove i need to record on disability grounds.. I normally make videos how i am to document my conditions and how i am affected. I have in the past obtained a phone call to doctors to reception by GDPR. Normally I have my partner with me now. The only way i found is to have a advocate with me. even with my partner with me a trainee gp seen a short video and said in front of my partner “are they voluntary or involuntary”   
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Address for Endeavour Personal Finance SAR (PPI)


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Anyone have an up to date address for Endeavour.

 

Thanks.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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HFC stickies morry

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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the data controller

SARlink3.gif requests

HFC Bank Limited Registered Office:

Camden House West,

The Parade,

Birmingham B1 3PY

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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Thanks Dx sending a SAR shortly.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

PO bought and sending SAR over the weekend.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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  • 3 weeks later...

Reply from the HFC address...

 

Please note that accounts owned by HFC Bank Limited (also traded as Beneficial Finance and Household Bank), Endeavour Personal Finance and Sterling Credit Limited have been transfered and now being serviced by HSBC Bank plc. We are members of the same group of companies.

 

Before we can reply to your request, resubmit your request along with your certified/original European signed passport or full UK signed Photo Driving License.

 

Due to the Data Protection Act, HSBC cannot keep records indefinitely therefore, any records relating to the product in question cannot be located at this time and may have been destroyed.

 

 

 

So are they saying we've had a look and can't find any records about your account but send us ID and your passport/driving license and we'll tell you again we can't find any documents relating to this account.

 

I'm sending them the ID anyway.

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If in doubt, you should seek the opinion of a Qualified Professional.

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or ctax bill

 

 

theres no point in those id's they ask for

as they've no way of verifying them.

 

 

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

That's what they have asked for Dx, I'd rather send them a Ctax bill, save me the hassle of getting passport certified.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Just phoned HSBC on the SAR department number they gave me to see if I could send a Council Tax bill to save me the hassle of getting certified copies of my passport.

The number "has not been recognised" ?

Any advice I give is honest and in good faith.:)

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  • 2 weeks later...

Sent certified copies of passports.

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  • 2 weeks later...

Still no sign of my SAR, sent complaint in today regarding the mis-selling of the PPI.

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Complaint delivered today :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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  • 2 weeks later...

Received my SAR reply today, they say I approached a credit broker, Central Capital Limited who acted as my agent and sold me the Payment Protection Insurance ?

 

Never heard of Central Capital Limited in my puff but will be sending PPI complaint to them :)

Any advice I give is honest and in good faith.:)

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Sending Complaint today to...

 

Central Capital Limited

2nd Floor Edward Hyde Building

38 Clarendon Road

Watford

Herts

WD17 1JJ

Any advice I give is honest and in good faith.:)

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Just tracked my letter, says it's being returned to sender ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 3 weeks later...

Not sure what happened to my letter, found out CT Capital Ltd should handle my claim, sending complaint today.

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If in doubt, you should seek the opinion of a Qualified Professional.

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  • 2 weeks later...

Reply from CT Capital today.

 

They have admitted they brokered the finance and associated insurance but because the sale took place in 2001 which is prior to the regulation of general insurance products by the Financial Conduct Authority which commenced on 14 January 2005 they do not intend to respond in any further detail regarding the matter.

 

They also state they were not a member of the GISC or the ABI and the sale took place more than 6 years ago.

 

Looks like a small claim will be my only option.

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If in doubt, you should seek the opinion of a Qualified Professional.

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LBA sent today.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...

Going to the Sheriff Court tomorrow to file my claim.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Well after visit to the court seems the clerk was not really up to speed on PPI claims, I have to re-do my statement of claim to include why I do not think the claim is statute barred.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Claim filed today, the fees have jumped a bit from when I claimed back Bank Charges, £73 a pop to file a Small Claim in Scotland now.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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  • 2 weeks later...

Good Luck.....

 

I started a thread many years ago about Endeavour / Freedom Finance and Bespoke Finance (all had a finger in my initial loan - 10K from 2014 + £1.5K PPI added)

 

I had an entry on my Credit File c/o HSBC but they deny all knowledge of having any details etc.... the amount quoted on my Credit file is £11.5K so from that THEY should be held responsible in my opinion!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?200249-Endeavour-Loans-amp-PPI&p=4664844#post4664844

 

"Good Luck"

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  • 2 months later...

This claim is now subject to a confidentiality agreement so I can't tell you anything :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

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If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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