Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.
Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb
Hello again everyone.
I received my SAR back from Elderbridge and what and absolute load of **** it is!
1. They did not send any transcripts or recordings of any phones calls - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not! I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)
2. Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings. and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine.
then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc. BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all! Now the hearing was on the 10th Jan 2014!
*****Substantial EVS costs to be added to any SF ******
EVS Defended +
At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80.
***Defended Costs*****:To be added to any SF
***Defended Costs*****:To be added to any SF
ADHOC Statement Printed
From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00
Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court) but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.
The final court document dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc. no mention of costs at all - so they seem to just be adding them
3. They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)
But in the notes they have written this utter lie!
Field Agent Report Received
The field agent visited the security address on three occasions.
The customer was spoken to through the window. They refused to discuss and refused to answer the door.
The contact number on file is not recognised.
RFA - Not known
Reasons for items not verified:N/A
Details of variances of items outside of expenditure guidelines and reasons N/A
Property is a detached house in good condation valued at £406,000. Equity not known.
I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!
4. the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!
After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006, (we topped it up in June 2006) and the first one was closed. The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..
This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.
But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!