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    • Thanks - I posted the letter this morning. I'll spend the next few days getting familiar with the consumer rights act and the MCOL service. 
    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
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tony3x

Rob Way chasing old BC debt

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Hi All,

Trying to help a friend that got in to a bit of trouble when splitting from his wife. 

Ex Barclaycard debt first assigned to Hoist  and now to Rob Way.

 

Default date - 18/03/2015

Default balance - £4764

O/S Balance - £3222

The change happened 20 months ago when they offered a settlement.

CCA sent to Rob Way 02/08/2018

Pack received dated 24/06/2020 containing

BC statements from Feb 09 to Jan 15,

Assignment notice 03/09/18

letter from BC to Hoist with 'historic & varied T&C's'

signed application dated 11/2012 - attached

T&C's with a reprint date of 01/03 - attached

 

Rob Way are asking for details of how he will pay. Is there anything that can be done.

 

Thanks 

BC redacted app.pdf BC_T&C.pdf

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Just ignore them. Don’t pay them a penny. The only time to respond is when a letter before action is received.

 

Warning. Paying them will reset the statute barred clock.

 

Warning. do not speak to them by phone

 

Warning. Do not speak to them by email

 

Warning. He needs to make sure that they have his correct and current address. This should be sent in writing, if they don’t have it already. This prevents any sneaky things going on behind his back.

 

 

 

 


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thats not a cca return

its an application form

and the T&C are generic from 2014 not the ones sent to him.

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Thx.

Will correct the address as currently on mail redirect due to recently moving.

Is it worth mentioning they still haven't replied to the CCA request.

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Nope not worth mentioning. Paying them Even 1 penny will let them sink their claws int him for the next 6 years. Don’t fall for their fake threats.


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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same with every debt he has that he's paid or used in the last say 7 yrs.

write to the owner informing them of his new address

 

never run from debt!

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi Tony,

 

Please ensure YF does NOT acknowledge any debt  when confirming their new address.

 

They should simply state, " Please note my new address, as shown above."

 

Do not say anything about "a debt owed", or "the money you are chasing."

 

Do nothing that resets the SB Clock - ie acknowledging the debt and causing probs for the next 6 years. 


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

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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