been with payplan for 12yrs..now advise IVA.

[dx100uk]

not sure how many times we have to say IGNORE a dca where the debt is still owned by the original creditor and not sold to a DCA.

 

send amex an sar to get them.

 

pers i'd resume your token payment again.

as you've saved money from the others now anyway.

 

use BACS to AMEX only do not pay NCO.

[73061]

Question

 

for what reason am i requesting an SAR?

 

Just a quick note amex stated in a covering letter that as the card was cancelled in 2005 they no longer hold any details of interest charges applied to the account.

 

I will upload the letter in a few moments.

 

This is the letter.

123 letter.pdf

Edited February 2, 2019 by dx100uk
merge

[renegadeimp]

you are requesting the SAR to get everything they have on the account. This includes statements, internal communications you didnt know existed etc.

 

Forget about that letter. They probably took a look at the date and said to themselves " we cant be bothered as it would mean work". Send the SAR and you legally force them to go through their records.

[73061]

thanks for your help will send a request.

[dx100uk]

and their letter is WRONG.

you have been paying them

their document retention is 6yrs from when YOU STOP PAYING. or your last usage.

 

 

pers i'd be pointing that out.

as per the prevention of fraud act

and

the data protection act

[renegadeimp]

And if theres no paperwork.. CCA them. By their logic, theres no CCA so you wouldnt need to pay. If theres a CCA that comes back, then theyre lying and they have documents from that far back.

[73061]

i have already sent a cca to amex and they sent documents which i have already uploaded.

[renegadeimp]

So theyre lying. They do have documentation from that far back. They just cant be bothered looking. Get that SAR going.

[73061]

I have sent an SAR to amex and i will continue to make monthly payments direct to them.

[dx100uk]

good idea let see.

[73061]

UPDATE

 

Last week i received 2 letters from Cabot stating that 2 accounts were Unenforceable as they do not have the paperwork.

 

Today i received a further 2 letters about these accounts thanking me for contacting them and at my request they have set up a repayment plan.

 

Please note i have never made contact with Cabot.

 

They have told me if i do not make the payments on Feb 16th they will take action to recover the full debt in one go.

 

 

Any advice appreciated.

[dx100uk]

Yea..no cca = no pay you fleecers!!

You've cash cowed me enough

[73061]

UPDATE

received a great big parcel 1000 documents from amex in response to sar....most are statements.

What do i do with this information?

I have not had any letters from any creditors for over 4 weeks and i have stopped all payments.

Amex is now the only one to provide a cca so i presume i should restart payments to them.

Should i offer them a full and final?

thanks.

 

 

[London1971]

Look through the SAR, statements with a fine toothcombe

Look for late fees, fees for writing letters, and PPI payments.

Most of these are probably illegal and can be reclaimed.

In fact somewhere in there should be a separate PPI sheet.

[73061]

started checking the statements but all my accounts are in US DOLLARS $ not BRITISH £ ?