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    • So ,  after sending a letter refusing to accept the refund that was offered i received a phone call yesterday and an email that sums up the conversation i had. I have copied this below.  Good morning Mr Thank you for your email received on 16 August 2019.I’m sorry you disagree with our calculations and felt that my colleague didn’t listen to you.  I understand you don’t want us to make any accountadjustment or accept our proposed solution, until we look at everything again for you.We’re committed to providing our customers with the highest quality services, so I’ll do all I can to help you and put this right.I’m pleased we had the opportunity to talk about your concerns and decide on the best way forward.  As we agreed, here’s a summary of the issues wetalked about:· You requested details of your metered bills and payments (I’ve attached these to this email).· You don’t want to accept the solution we offered, of billing you on our ‘assessed charge’ tariff.· You don’t want to accept the goodwill payment offered £220.00 and feel you could have built your extension 2 years earlier, if we hadn’t charged youtoo much. · The meter readings we billed you for include water used at 74 Scotchman Lane, because you have a shared supply pipe.· You’d like 50% of your water and sewerage volume charges refunding to resolve this.· You’d like interest on your overpayment calculated accurately and based on 8% (not the Bank of England base rate).· You spoke to our technician and you said he advised it would be easy to alter your private pipework, so a meter can be fitted just for your home.· You prefer to pay a metered charge.· I’ll look into the points you’ve raised, and I’ll do all I can to work towards an amicable solution with you.I’ve taken the first step and I’m pleased to confirm that we’ve arranged a meter survey to be carried out on 6 September 2019 (arriving between 10amand 12 noon).  This survey will be done by our service partner ‘Morrison Utilities’, and they can estimate what it will cost you to have the pipeworkaltered, so a meter can be fitted.  Once I have the results of their visit,I’ll give you a call so we can talk about our next step.After we reach a solution and agree how you’ll be billed, I’ll be happy to work out a new interest calculation for you.  We use the Bank of England baserate and this won’t be changed, but I’ll be happy to renegotiate a final settlement figure with you.  If we pay interest, this will be subject to current HMRCtaxation rules.I assure you, I’ll keep an eye on your account and update you on each step we take.  I’ll call you again by 13 September 2019 about our progress.In the meantime, if you’d like to talk to me, please call me on 01274 318452 and I’ll be happy to help.  If I’m not available you’ll be able to talk toa colleague or leave a message.Regards   Personally i am not happy with the email especially as I didnt mention that i would pay for any pipework to be altered. He did say to me on the phone that the pipes after the boundary are ours and therefore our responsibility. I did then point out that if this was the case then there is nothing to stop me cutting and capping the pipe after it enters my property.    I am now going to try work out what the refund with 8% interest is from the figures he has provided.
    • Looking at the thread Im guessing theyre SB?
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Jason Toulmin

Northern Rock mortgage shortfall from 2002 - Arrows/shoosmiths.

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Hi All,

 

I have been chased since 2007 on a Northern Rock mortgage shortfall from 2002. I have never admitted liability for said debt and I have never made a payment.

 

Shoosmiths on behalf of Arrow are now saying that I made a payment in 2008 which re-sets the statute barred status that I told them it has. I have never ever made a payment, the only money that has been sent was to cover the cost of a SAR in late 2007.

 

After 2007 everything went quiet until 2013, eventually when I wrote back and forth a few times the DCA said their "case was closed" on this matter.

 

Roll forward to 2017 and they start again until November 2017 then quiet again until last week.

 

I believe that fraud is being committed here and wondered what others in my situation would do?

 

I am thinking of going direct to Action Fraud and reporting them, I am, tbh, sick and tired of this harassment.

 

I apologise if I delay to respond to anyone who replies as I am busy through this afternoon.

 

Thank you in advance.

Edited by Jason Toulmin
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Its not fraud..its harassment.... though although they are allowed to chase a statute barred debt...they are not allowed to litigate on it.

 

How is the harassment being conducted...Phone...letters or texts ?

 

And who exactly is doing the harassing now ?

 

 

Andy


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I thought that as I haven't ever made a payment on the account and they have "magic'd" one from somewhere that would be classed as fraudulent activity as they are using that to say the debt isn't statute barred.

 

If they have, in they I mean maybe Lawsmiths who I sent an SAR to with a postal order for £10 in November 2007 or of course Arrow or Shoosmiths but I really don't know as Arrow took it over in 2013 and used drydens prior to Shoosmiths.

 

I am sorry that I am not being very clear hear,

this has been going on since 2007 and I do have all correspondence but it has been bounced from DCA to DCA,

the account was "closed" at one point,

there have been huge gaps between correspondence.

 

This lot are clowns,

have never answered a straight question,

never fully fulfilled an SAR on a mis-sold property from over 16 years ago

and now they have somehow found a random one off payment in 2008 which I never made on an account that I have never acknowledged the debt on.

It is a farce!

 

All of the correspondence is by letter,

including the one stating I made a payment,

which if I had then there wouldn't have been an argument from that point forward,

but they have still pushed,

and for 10yrs since 2008 and have never once mentioned this magic payment.....

.....until now.

 

I will add that once I did get a phone call,

the lady on the other end didn't introduce herself,

she said hello "my name",

shall we discuss a payment you made on an account,

at which point I put the phone down.

 

I now no longer answer the phone if I don't know the number and if I am honest when the postman comes it has a physical effect on me,

when I opened the Shoosmiths letter last week my hand shook.

I am close to going to the doctors and just reporting my symptoms on this,

surely this is unfair behaviour.

Edited by dx100uk
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Then put all the letters in a box...keep safe but forget all about it...end of harassment.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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You know, I think I will do this, thank you

Will wait and see after that I guess!

Edited by dx100uk
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retitled and moved to repo forum


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

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If they are saying that a payment in 2008 has reset the statue bar clock then invite them to do the following, highly complicated, maths equation that even Einstein himself might struggle with.

 

2018 - 2008 = 10

 

Debts under simple contract become statue barred after 6 years... So the 2008 payment is irrelevant because it's SB again anyway as that was 10 years ago!

 

Payment of £10 for a SAR in 2017 also has no effect on the SB clock as that is a fee covered under the Data Protection Act 1998 and has no bearing to the debt itself. Since GDPR however the £10 fee is no longer needed for a SAR.

 

Sooner or later a DCA may just be able to learn how to count to 6... :madgrin:


This is how I spend most of my life :ranger:

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If they are saying that a payment in 2008 has reset the statue bar clock then invite them to do the following, highly complicated, maths equation that even Einstein himself might struggle with.

 

2018 - 2008 = 10

 

Debts under simple contract become statue barred after 6 years... So the 2008 payment is irrelevant because it's SB again anyway as that was 10 years ago!

 

Payment of £10 for a SAR in 2017 also has no effect on the SB clock as that is a fee covered under the Data Protection Act 1998 and has no bearing to the debt itself. Since GDPR however the £10 fee is no longer needed for a SAR.

 

Sooner or later a DCA may just be able to learn how to count to 6... :madgrin:

 

The debt in question is mortgage shortfall so 12yrs for SB however it is now 16yrs anyway. The none existent payment is either a complete fabrication or a misappropriation of funds via the SAR £10 from 2007. Either way, the debt is still SB, no question whatsoever.

 

BTW, you mention the £10 for SAR not being required now, how long has that been the case?

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Just for clarity and benefit of readers Jason...and not that it effects you either way......shortfalls can be either 6 or 12 years subject to whether the shortfall is interest/charges etc...or actual mortgage capital.

 

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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If you called them out on the £10 payment they will merely say it was an error made by someone else guv and they will now take note but up to that point they will insist that they are right and you owe them a zillion quid.

 

Dont forget, they are working for someone else and only get a decent payday if they get a result.

They arent bothered how they get to that point

Edited by dx100uk
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