Universal Credit Loan CCJ - Now Paragon - Paid 19k Still owe 6k

[spuddly]

Thank you for your response's

However ...seeing as Paragon have returned my cheque for £10 which was sent with the original sar request and they say this is all they have in relation to this account then they are taking sundry debits without providing me with an explanation as to what they were applied for !!

 

 

 

also still waiting for a copy of the T&C's

spuddly:)

[spuddly]

??? if all the sundry debits are not accounted for then surely they have added interest onto the £200 they already added??

[spuddly]

off to TS now will update later..

[spuddly]

spoke to Trading standards and they suggest writing a letter to ask what sundry debits are so i put this together for them to chew on .

 

Paragon personal finance

ST CATHERINES COURT

HERBERT ROAD

SOLIHULL

WEST MIDLANDS

B91 3QE

Dear Sir/Madam

 

ACCOUNT NUMBER Re

 

This account is still in dispute

 

Thank you for your letter dated 3/07/07 the contents which have been noted.

I have sought advice from Trading Standards and after going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges.

As I have never received a copy of the agreement until 18/07/07 and no terms and conditions I do not acknowledge these charges and require them to be refunded in full.

I had already paid an upfront fee interest of £25.28 according to the statements sent no interest was applied until 2003.

May I remind you that you returned my subject access request cheque for £10 as it did not apply to this account, therefore you have no correspondence in relation to this account other than the alleged credit agreement.

[ODC]

spoke to Trading standards and they suggest writing a letter to ask what sundry debits are so i put this together for them to chew on .

 

Paragon personal finance

ST CATHERINES COURT

HERBERT ROAD

SOLIHULL

WEST MIDLANDS

B91 3QE

Dear Sir/Madam

 

ACCOUNT NUMBER Re

 

This account is still in dispute and I do not acknowledge any debt to you or anyone you purport to represent

 

Thank you for your letter dated 3/07/07 the contents which have been noted.

I have sought advice from Trading Standards and after going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges. as they appear to have been unlawfuuly applied

As I have never received a copy of the agreement until 18/07/07 and no terms and conditions I do not acknowledge these charges and require them to be refunded in full.Therefore you have not complied with my request for an executed agreement under CCA 1974

I had already paid an upfront fee interest of £25.28 according to the statements sent no interest was applied until 2003.

May I remind you that you returned my subject access request cheque for £10 as it did not apply to this account, therefore you have no correspondence in relation to this account other than the alleged credit agreement.I stiil require details 0f ALL DATA held by you including telphone calls, computer records, written transcripts and any verbal discussion or manual intervention[/quote]

 

 

JUst acouple of additions you may want to make against Parasite

[spuddly]

Thanks ODC,

I will pop the cheque back in the letter just for good measure and let them send it back again if they want..

Spuddly:)

[spuddly]

2nd S.A.R - (Subject Access Request) sending today

 

Paragon personal finance

ST CATHERINES COURT

HERBERT ROAD

SOLIHULL

WEST MIDLANDS

B91 3QE

Dear Sir/Madam

 

ACCOUNT NUMBER

 

This account is still in dispute and I do not acknowledge any debt to you or anyone you purport to represent

 

Thank you for your letter dated 3/07/07 the contents which have been noted.

 

I have sought advice from my local Trading Standards.

 

After going over the statements of the account opened 18/02/2001 I have noted that you have applied sundry debits to the account and they total £200 which is more than the original amount when I joined the Debt management programme which at the time was £138.00 (26/02/2002).Could you please justify these charges. As they appear to have been unlawfully applied as I have never received a copy of the agreement until 18/07/07 and any terms and conditions, you have not complied with my request for an executed agreement under CCA 1974; therefore I do not acknowledge these charges and require them to be refunded in full.

 

I had already paid an upfront interest fee of £25.28 according to the statements sent. Then no interest was applied until 2003.

 

May I remind you that you returned my subject access request cheque for £10 as it did not apply for a copy of the statements to this account, However, I still require details 0f ALL DATA held by you including telephone calls, computer records; written transcripts and any verbal discussion or manual intervention I am once again enclosing the £10 cheque to cover the fulfilment of my original SAR.

 

Due to the current postal strikes I would hope to receive a written response within the next 10 days upon receipt of this letter.

 

Yours sincerely

[spuddly]

I sent my second letter with payment for £103

no reply reguarding status of CCJ think they are ignoring my letters:mad: .

[spuddly]

Hi

no reply as yet to my 2nd sar request letter.

also cheque not been presented for cashing as yet.

I hope they are getting a cheque ready for me instead:D

[spuddly]

Hi

any suggestions as to what i could add to my third letter....

Paragon must have to reply eventually ..Dont they?

spuddly:)

[alibobsy]

I'm sure someone more knowledgeable will be along later spuddly, but just wanted to say at least if they try to take you back to court over this you can prove they have deliberately ignored your letters and legitimate requests. Having read your thread I would say they probably know a judge would dismiss the claim due to the amount paid back and are just hoping by ignoring your letters and continuing to harass you that you will cave in and cough up or are hoping that the fact they have a previous CCJ means they can ask for anything they want. Perhaps in your third letter state the whole story and your queries and state if no reply within 14 days you will proceed with a complaint to the FOS?

Just wondering as a layman if any of the more knowledgeable bods like tom term,laiste, et al could advise can you apply to the court to have the CCJ marked as satisfied as you have proof the whole amount has been paid?

Good Luck they sound like swines

ali x

[spuddly]

Hi

well the last letter i sent seems to have done the job for me in this case as i recieved my SAR today and on the last page of the contents page i read this...

 

 

cheers paragon:D

[spuddly]

para---goneeeeeee never did send me any thing whilst i was paying them over the years to let me know that they were taking £10 a time for missed or late payments and they realised this in my opinion and that is why the account was closed. they didn't have a leg to stand on!!

[joshuaf1968]

I am really interested in this as I have taken a DCA back to court for a ccj set aside because they have failed to produce anything for 50+ days now..

 

 

is there an update spud:rolleyes:

[lindsay22]

hi, my partner had a ccj with a finance company after doing a cca the agreement came back with bits missing ie no terms and conditions etc i wrote them a strong letter of complaint advising them to remove the ccj or i would be taking them to court. and to my surprise they did have it set aside lol on the grounds that they had not dealt with the complaint in a timely manner.

 

good luck

[spuddly]

HI,

My last post regarding this thread was 2007 and bearing that in mind this new thread is an update from that see http://www.consumeractiongroup.co.uk/forum/general-debt-issues/89866-originally-10k-now-paid.html

 

Well the time is now up and after sending final payment recorded delivery and enclosing a cheque this is the response.

 

Do they want more cash!!

 

 

[cerberusalert]

The cheeky beggers want another £10 off you.

 

Did you SAR originally to reclaim any unfair charges?

[spuddly]

Thanks for your comment cerberusalert , my wife seems to think that they are going to go for the interest they say has accumilated whilst paying of the CCJ all these years.

We did S A R them and are going to look through the paperwork again.

 

Spuddly:)

Edited May 8, 2009 by spuddly

[spuddly]

Hi

Looked in S A R cannot find any more than 2=£20 thats it...

[cerberusalert]

Did the CCJ stipulate that they could charge interest or was it for a fixed amount?

[spuddly]

Hi,

Fixed amount- only according to papers from courts on 2007 post no mention of interests payable upon final payment of CCJ.

[cerberusalert]

In that case the can't charge interest or late fees, tell them to go and swivel or as Father Jack would say;

 

[spuddly]

LOL...:D

 

I thought their next letter would be asking for the interest in total however much it is???

 

spuddly:)

 

ps

Think i'll stick that picture on the letter head when i reply...

[Dorabell]

In that case the can't charge interest or late fees, tell them to go and swivel or as Father Jack would say;

 

 

[spuddly]

many thanks.