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    • sorry i see you put the poc in post 1...   are there any agreement numbers in the POC?    
    • forget any warranty, that is not worth the paper it is written on and does not replace, null, overrule or compromise your consumer rights.   tell us about the car? was this a new car you bought or 2nd hand is it on finance or yours when did you purchase it and from whom.
    • Claimant - Perch Capital LTD sols TM Legal   Issue date 19.11.2021   date for defence  - 21st December.   Exact wording of Particulars of claim -   1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by GAIN Credit LLC.   2.The defendant has failed to make payments in accordance with the terms of the credit agreement.   3.The credit agreement was assigned to the claimant, upon which a Notice of Assignment was sent to the defendant.   4.The defendant has either failed to respond to the claimant or has failed to make regular payments.   5.The claimant has issued a letter of claim, providing the defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.   What is the total value of the claim? £1668.00 + £115.00 court fee + £80.00 legal rep fee. Total £1863.00   Have you received prior notice of a claim being issued pursuant to Paragraph 3 of the PAPDC? Not known   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes   Did you inform the claimant of your change of address? No.   Is the claim for a bank account (overdraft) or credit card or loan or catalogue or mobile phone account? Loan.   When did you enter into the original agreement, before or after 2007? After 2007   Do you recall how you entered into the agreement? Online.   Is the debt showing on your credit reference files? 5 separate entries for Perch - 1. Opened 3.3.2018. Opening balance £150. Current balance £270. Updated Aug 2021. No data. 2. Opened 3.4.2018. Opening balance £250. Current balance £458. Updated Aug 2021. No data. 3. Opened 4.4.2018. Opening balance £170. Current balance £312. Updated Aug 2021. No data. 4. Opened 29.3.2018. Opening balance £350. Current balance £627. Updated Aug 2021. No data. 5. Opened 24.2.2018. Opening balance £400. Current balance £324. Updated Nov 2021. No data.   **No matter how I try, I cannot get any of these to add up to the claimed amount**   Has the claim been issued by the original creditor or was the account assigned and it is the debt purchaser who has issued the claim  (Perch)    Were you aware the account had been assigned - did you receive Notice of assignment? He doesnt know, all correspondence sent to a previous address.   Did you receive a default notice from the original creditor? Again, any correspondence sent to previous address.   Have you been receiving statutory notices headed "Notice of sum in Arrears" or "Notice of Arrears" at least once a year? Again, maybe sent to previous address.   Why did you cease payments? Never made any.    What was the date of your last payment? None made.   Was there a dispute with the original creditor that remains unresolved? No.   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.
    • sorry i was getting confused this is an old bill at your present address.   there is little they can really do they can't fit a prepayment meter or cut you off, they are not your current supplier. they could get a DCA involved and no they can't add any penalty fees for doing that, they are unlawful, and as you already know? from reading my sig below, a DCA is NOT a BAILIFF and never can be, they have ZERO legal powers on ANY debt no matter what it's type.   they COULD go for a CCJ ...BUT they would HAVE to abide by the pre action protocol letter of claim FIRST which you could then raise a new dispute over.       have you stated this to them?
    • Yes an old account but at same address , I have been a home owner there for about 8 years. The linked address is showing as my parents address    im wondering what action EDF are likely to take ?.. 
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I think I've just been accepted for a business account despite poor credit history. When can I celebrate???


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Basically I had a hsbc business account which I shut due to the fact I slowed trading for for a while. Started to use my personal account for a bit and then a lot of business subsequently got asked to leave for breaking t&c.

Left me without an account, 7 defaults and 3 arrangements on my credit history in the last 6 years.

Ive put in an application with Coop for a cash minder, they seem to of lost my application in branch which is a pain.

 

Had a look at the bank groups and basically hsbc aside I had history with all except Santander, figured I had nothing to lose by putting in an application for a business account. Went basic no overdrafts, loans etc.

Had an email off them yesterday with a questionnaire which I completed honestly, emailed it back then today received this.

 

"Thank you for choosing Santander Business Banking.

 

We’re pleased to let you know that your Business Current Account is now open and ready for you to use.

 

What’s next?

 

In the next 7 – 10 days we’ll send your card, card PIN, Online Banking passcode and registration number separately (for security purposes) to the home address you gave us."

 

 

Is that it?, I've been accepted?, can I have a beer to celebrate? or is there something that can go wrong from here?. Other than my credit history I have no other skeletons in my closet or anything.

 

I know all banks are as bad as the other but I did not expect to get a highstreet account in a million years with my account history. I was thinking best case I get a cash minder and a pre pay. I had a large loan and Credit card with Abbey national which were paid in about 2007 but did reclaim a lot of ppi.

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It does indeed appear that you have been accepted for the account you applied for.

 

I imagine that as long as you maintain the account correctly, then there should be no problems.

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It does indeed appear that you have been accepted for the account you applied for.

 

I imagine that as long as you maintain the account correctly, then there should be no problems.

 

Fingers crossed then.

 

I did check experian last night and they have done an unrecorded search before emailing the above which I presume is a good thing. Also I notice Co-op did a couple as well so would be fair to presume they found the application form so fingers crossed.

 

 

Something I was slightly concerned about. Ive read all sorts of horror stories about fraud markers getting in the way at a later point. I'm fairly sure my hsbc account was shut for breaking t&c which I presume is down to using for business. If it was anything more than t&c or just me not earning them money etc would they of just shut me immediately?.

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Sorry, I don't understand the question ? Where does fraud come into this ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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