Jump to content


  • Tweets

  • Posts

    • Thank you so much for heads up.
    • 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   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   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!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 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. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 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!   30/01/2018 12:44 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!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
  • Our picks

style="text-align:center;"> Please note that this topic has not had any new posts for the last 340 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I took a loan out with this company 2 weeks ago. All went well and thought having looked on their website it says obviously subject to credit assessment I could defer the loan twice - great I thought I will pay the balance over two months and bob's your uncle

 

Went to defer on their website and put in all the same income and expenditure details a week before the payment was due to come out. Their response "sorry but based on your affordability and credit assessment we cannot allow you to defer this loan":mad2:

 

Erm they gave me the loan two weeks beforehand, nothing has changed and yet wont allow me to defer. They wanted the whole loan back together with all the interest only 2 weeks after I received the loan. No way I thought, cancelled my card and any CPA they had set up.

 

I will pay them back on my terms and if they dont like it they can place it where the sun does not shine.

Share this post


Link to post
Share on other sites

have you been getting multiply phone calls from them on this number 02078068934

i had same thing

Share this post


Link to post
Share on other sites

You do know this is a normal trick to get you to take out the loan. Then when you default, they try and say theyre adding on tons of charges, and interest on top of it.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites
have you been getting multiply phone calls from them on this number 02078068934

i had same thing

 

Yes starts early about 9.00 four or five times a day on mobile. Wont leave messages on home answerphone

 

They can add as many default charges, interest anything they like, I will only pay what is due. They emailed and said that despite only having the loan for 2 weeks their set interest means that I could have the loan for 4 weeks, 3 weeks, 2 weeks or even 2 days the interest will be same.

 

I have emailed but they say due to data protection I need to ring - no chance.

Share this post


Link to post
Share on other sites

i actually sent them a F & F offer yesturday, offered a lump sum or £1 per month, no response so far. my call start at 08:10 in the morning have about 5/6 on mobile as well has home phone, now got number blocker for mobile.

Share this post


Link to post
Share on other sites

Log every call they try, especially if youve told them in writing only. Read up on Harrison vs link for a start. You could bring a claim against them for harassment.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

yep told them in writting back in january, when told them i was being signed off sick and would have to make a repayment plan.....

Share this post


Link to post
Share on other sites

Youve got grounds for a nice big complaint and possible action for harassment then :)


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Even better they have defaulted me on my credit file but oops haven't sent any correspondence - I am sure they will make a default notice up when it suits them

Share this post


Link to post
Share on other sites

I received the pre-action protocol letter from BW Legal.

I responded asking for all the documents relating to my account including the agreement, statement of account, default notice and letter of assignment.

 

They came back with the agreement which is dated 1 month earlier than what says in their pre-action protocol letter.

 

What is interesting is the agreement is between Mem Consumer Finance, me and Payday UK.

 

Why is there three parties to this transaction.

The agreement looks like it is printed at the same time as their response but that is not something a judge would really be interested in.

 

Can I ask again to provide the agreement they state in their letter which is 1 month earlier or will they just say it is a typographical error and the agreement is correct.

 

The statement of account is printed on their letter which they sent me 2 days after my request. The statement of account shows at the beginning the amount in the agreement shown as "deferral" and then a whole host of "defaulter/interest accrued" amounts. There is also a charge of £15 some 2 months after my "correct agreement date".

 

At the end of the statement of account all these figures are credited at the end which brings the statement of account back to the original amount.

 

What I need to know is if they have failed to provide the default notice can they just credit the same and say "we have not charged you for the defaulted amount so we do not need to produce the default notice"

 

The letter of assignment is there.

 

Can I go back to them and again ask for the agreement stated in their letter and also the default notice. This all happened in 2014 by the way.

 

I have always checked my credit file and there is a closed account with Payday saying settled but nowhere is a default notice and PRAC Financial dont appear anywhere.

 

They have given me 7 days to respond.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Iirc they only have to supply a reconstituted agreement. What exactly did you ask for and what exactly did they supply to you. What were the reasons you asked for it


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Ild thread merged

Did you use our PAP response pack and wording or their one and your own wording?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I responded to them with my own response letter in replying to their pre-action protocol letter.

 

I requested

 

Agreement dated 30th April 2014 (their letter states this) (the agreement they have supplied is dated 29th March 2014) and it is indeed reconsistuted I can still smell the toner ink on the paper :lol:

Default Notice

Statement of Account

Notice of Assignment

 

Thanks for bringing up my previous posts I could not find it anywhere.

My credit file in 2014 states a default but this has now disappeared and the account on my credit file says settled.

Surely the default should still be there.

 

Yes indeed it did get deferred as I have the payment debiting my account on 30th April and yet they say the agreement is dated 30th April

Edited by dx100uk
merge

Share this post


Link to post
Share on other sites

These are the documents I have received.

How many companies are involved

- MEM Consumer Finance, Payday UK and also Instant Cash Loans.

 

They still insist the loan started on 30th April.

docs-35.pdf

Share this post


Link to post
Share on other sites

So 99% unlawful interest then!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Their argument will be well we took the interest and charges off - you are paying what you borrowed.

Edited by dx100uk
so basically...

Share this post


Link to post
Share on other sites

Who's side you batting for??

 

If you total that int..does it equal those refunds...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites
Who's side you batting for??
:lol:

 

But I imagine in court they will say but Your Honour we removed all interest and default sums so the only amount required is what the Defendant borrowed so why are arguing about interest/default when that is not an issue.

 

The first amount is a think a payment that was deducted from me despite the fact that the loan needed to be repaid in one fell swoop.

Share this post


Link to post
Share on other sites

IRL complaint?

 

Uf your credit file was shot/financial status poor..should they have loaned it?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I have again requested the correctly dated loan agreement and default notice and the original creditor's statement of account and not what BW Legal have put on their letterhead.

That was over a week ago and its all gone quiet - me thinks a claim form is on its way.

 

Reading up on pre-action protocol BW legal should give me 14 days notice that they intend to initiate court proceedings so I assume I have notice of their intention

Share this post


Link to post
Share on other sites

no they've already sent the PAP letter giving 30days.

 

pes I wouldn't of been entering into letter tennis.

 

just wait and see if they issue a claim now.

 

don't keep poking the beesnest


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...