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a lot fd credit cards have done that saying folowing policy of regulator also suggesting pay extra each month to clear quickerLast edited by The Tech Clerk; 21 September 2018, 12:58.
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Originally posted by debrag View PostDebt 3 Very2017Opened: December 2016 Type: Catalogue Current Balance: £767 Last payment: £1.00 | July 2018 Last fill payment: November 2017 Arrangement: DMP till May 2018 Status: Late payment on credit report Owner: Very (NCO)
December - NCO letter, 'we are acting on behalf of Shop Direct'
2018
January - Very statement
March - NCO letter, Notice of Sums of Arrears under CCA 1974
March - NCO letter, Total outstanding letter
March - NCO letter, Confirmation of the following payment arrangement (£1)
May - NCO letter - Concerns regarding overdue account
June - Very statement
July - Statement received along with arrears letter and fact sheet
September - Credit limit has been reduced to £850.
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Originally posted by debrag View Post
Account is now closed so I take it it has been sold on, the OD is still open though
The account may well have been sold on , possibly to cabot (hopefully Cabot Financial (UK) )
If it has been sold you will probably get a new entry on your credit report from the new owners but the default date MUST be the same
If it has been sold, wait and see what they want to do - it might be send a S77 request but don't do anything just yet
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Originally posted by debrag View PostDebt 1 Natwest Loan2018Opened: August 2016 Type: Loan Current Balance: £4889 Last payment: £1.00 | June 2018 Last fill payment: December 2017 Arrangement: DMP till May 2018 Status: DM on credit report
March - Collections letter, i+e attached, ignored
April - closing of accounts letter, payment proposal form attached, ignored
May - Formal notice of intention to file a default
June - Notice of arrears in compliance with CCA 1974
June - Notice of refund of interest (£468
June - You have fail to comply letter received
July - changes to ongoing management of repayment plan, partnered with Wescot, in touch within 14 days to management provider (no longer with them)
August - yearly statement received
September - credit report updated and loan is closed
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What should I do about the possible legal action from Credit Resolution Services/Trugym? I don't have a cca and haven't sent a request yet, will try for one today if the post office is open, can I sent an account in dispute letter? They haven't complied with my SAR from 22nd July, I don't think.
Is it legal for them to only accept payments by phone and have no website?
I'm assuming that they will take action two - out source to DCA rather than court for £86
EDIT apparently I can just ignore Credit Resolution ServicesLast edited by debrag; 8 September 2018, 08:07.
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If I am reading the correctly they are saying your complaint is out of time because you took the loan out more than 6 years ago. You are wondering what you should do now?
have I got that right
I would escalate this to the FOS and argue the 6 year time limit does not apply in this case because you only became aware of the possibility these accounts could be classed as unaffordable very recently. You might want to link to debt camels blog because that is much less than 6 years old.
There is no harm in escalating the complaint- in fact these people rely on the fact you WON'T escalate
I have had some sucess in getting debts written off either partially or totally with complaints to the FOS ( I have also had a couple that got me no where)
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do you have the CCA19774 copy if so send to the webmaster to check if enforceable or unenforceable? for starters
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Originally posted by The Tech Clerk View Postnot a PAP,thern they are hoping you get freightened, they are tring to baffle you with possibilities i.e.:- if/buts.
any CCA1974 if sent send un-redacted to:- webmaster-all-about-debt@.uk.com
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not a PAP,thern they are hoping you get freightened, they are tring to baffle you with possibilities i.e.:- if/buts.
any CCA1974 if sent send un-redacted to:- webmaster-all-about-debt@.uk.com
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Originally posted by debrag View PostDebt 12 QQ
Fell of credit report May 2018, MMF/Lantern send email January 2018, payment set up for £2 a month, last payment June 2018, SAR letter sent, received all documentation including a breakdown and CCA. Full payment was £722 as stated in the CCA but on account info in SAR letter interest is £590, so that's £368 in extra charges . Have paid Lantern £8.Opened: January 2012 Type: PDL Current Balance: £481 Last payment: £1.00 | February 2016 Last fill payment: £110 | February 2012 Arrangement: None Status: Default | off credit report Owner: Lantern
2012
Email tennis - notice of overdue payment, payment plan offer, unable to afford payments
Email - notice of formal complaint, payment plan offered by QQ, ignored
Email - debt referral - ARC
2015
Back to QQ
Balance recieved via email - balance 695, 170 received from ARC - £499 in default
Overdue payment emails
2016
Overdue payment emails
Loan balance requested - nothing received
2017
Overdue payment emails - only 2 this time
Notice of sale
2018
Notice of assignment - MMF
Repayment plan confirmation
Fell off credit report
SAR sent + documents received
Repayment plan closed by me
We thank you for your complaint regarding the above account. We take complaints very seriously and have investigated the matter fully. However, our investigation indicates that the matter you are complaining of occurred outside the complaint handling time limits.
As you may know, we are regulated by the Financial Conduct Authority (FCA) and are bound by their rules and guidance. The complaint handling rules are known as DISP and specifically in your case, DISP 1.8.1( R ) states
"If a respondent receives a complaint which is outside the time limits for a referral to the Financial Ombudsman Service (see DISP 2.8) it may reject the complaint without considering the merits….”
Our investigation determined that the event you are complaining of, i.e. when you took out your loan/s, occurred outside the time limits below and we are therefore rejecting your complaint on this basis.
We appreciate your comments about the loan/these loans being unaffordable. However, as your loans were taken out greater than six years from the time of your complaint, you would have been reasonably aware of this issue at the time you were making your repayments.
I understand you may be disappointed but hope this explanation explains why we have taken this position.
If you remain unhappy with our Final Response, we need to ensure you are aware of your rights of referral to the Financial Ombudsman Service (FOS).
You have the right to refer your complaint to the Financial Ombudsman Service, free of charge.
The Ombudsman might not be able to consider your complaint if:
• what you’re complaining about happened more than six years ago, and
• you’re complaining more than three years after you realised (or should have realised) that there was a problem.
We think that your complaint was made outside of these time limits but this is a matter for the Ombudsman to decide. If the Ombudsman agrees with us, they will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances (see below).
If you do decide to refer your complaint to the Ombudsman you must do so within six months of the date of this letter.
If you do not refer your complaint to the Ombudsman within six months of the date of this letter, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances.
The very limited circumstances referred to above include, where the Ombudsman believes that the delay was as a result of exceptional circumstances.
As this is our Final Response regarding your concerns to the above referenced account, if you are not happy with this outcome I need to ensure that you are aware of the ultimate availability of the Financial Ombudsman Service. You have the right to refer your complaint to the Financial Ombudsman Service, free of charge but you must do so within six months of the date of this letter. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances. I have provided you with a link to the leaflet for your information to assist you if you decide to pursue this further course of action. They can be contacted at:
The Financial Ombudsman Service,
Exchange Tower,
London,
E14 9SR.
Tel: 0300 123 9123
Please make note, a right to access your QuickQuid/Pounds to Pocket account has been submitted on your behalf. You will receive a separate email with instructions.Last edited by debrag; 1 September 2018, 10:41.
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was that a PAP letter of say 4-5 pages pre action protocol type? letter
if not then not pre action letterLast edited by The Tech Clerk; 1 September 2018, 09:37.
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Originally posted by debrag View PostDebt 13 Trugym
Opened: August 2012 Current Balance: £86 Last payment: November 2015 Last fill payment: March 2013 maybe Arrangement: None Status: Default | March 2013 Owner: Credit Resolution Services
2014
January - Email from Zinc "we have been instructed by our client to assist you with the resolution of your account."
March - Missed payment
April - Missed payment
June - balance update by email - £162
July - Settlement offer email - £114.33
July - Payment reminder email x 2
2015
September - Arrears email, balance now £52.44
September - Settlement offer via email £39.33
September - email regarding settlement offer
October - Missed payment email, appear I was paying till May 2015
October - Payment reminder, £2.44
November - Trying to make contact email x 2, balance now £50, did I pay the £2.44??
December - We have not received a response email x 3
2016
January - We have not received a response email x 3
Contact from CRS
2017
June - Letter received stating account sent back to CRS
July - email received:
I would first like to explain that The Zinc Group are a third party organisation working under the instruction of our clients to assist their customers.
The Zinc Group are provided limited data and are considered only to be processors, however Credit Resolution Services (CRS) remain the controllers of the data associated with your account.
In light of this, CRS have requested that you contact them directly should you wish to submit a Data Subject Access Request. You can contact them, stating the reason for your DSAR, including your account details at subjectaccessrequest@harlandsgroup.co.uk
I can confirm your account was returned to our client in March 2016. As The Zinc Group are no longer the managing agents of your account, you have not and will not receive further contact from us with regards to this matter.
August - SAR received today. Last payment made November 2015 so SB November 2021! Very detailed SAR with screen shoots of all databases, they don't have an up to date landline though Looks like it went to 'doorstep' status at an old address lol Awaiting their next move
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