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

[ODC]

Mark it for attention of Payments Department, send it recorded delivery. Bet the greedy B's will sign for it then thinking its money

[ODC]

update...

 

halifax loan agreed to £152 F&F

sent cheque for £152...Paid:D

 

halifax overdraft agreed £190 F&F

Ofered to pay in 2 instalments accepted 1st cheque £95 sent:)

 

no responce as yet from customer solutions.

Not too bad a result so far

[ODC]

Wait for the terms and conditions and try to ensure they were what you signed up to and not the present T & Cs

[ODC]

Their letter makes no mention of a Subject Access Request. Is that what you actually asked them for. The Statutory fee for this is £10.00 Not £1.00. An SAR would not include Terms and Conditions. I think you are maybe getting a tad confused here

[ODC]

Apologies

 

I wasntb aware you had sent both letters. They have failed to respond to both your CCA request so are now seriously in default.

 

The SAR request has not been complied with either although they have 40 days in which to do so. You sent the correct fees, what they chose to do with the money is up to them. As they are now in default of your CCA you do not need to pay them. Ask them for a copy of their official complaints procedure and we will take it from there

[ODC]

 

what are sundry debits:confused: ?? when i sent for the sar request all i got back was another set of statements THATS IT!!

no explaination of sundry debits

 

they come to £200

 

and on the paragon statements they say i still owe them £250.63:mad:

spuddly:)

I would imagine these are Parasites charges for interest or sending out the threatomatic letters. You could always ask them in the same letter in which tou tell them the bumph they sent you is not an SAR

[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