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Maybe an obvious question but do you have any copies of old CRA reports?
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I don't I'm afraid.Comment
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They have finally sent me a letter saying they have cancelled my Payplan agreement. About time.Originally posted by debrag View PostComment
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So unable to edit or quote since the issues with the site. - EDIT: can how edit.
Natwest OD - balance now £799 according to my credit report. It looks like the interested on the loan has been paid off the OD instead.
Natwest loan - yearly statement receivedLast edited by debrag; 18 August 2018, 12:47.Comment
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Getting really confused now credit resource solutions and credit resolution services call themselves CRS! Thought I'd sorted out the payments from credit resource solutions leaving my bank but another payment went out this month. This is an investigation going on with the bank, I'm getting nowhere with the company themselves. Oh and they appear to have no details for me on record, at any of my last 3 addressesLast edited by debrag; 30 August 2018, 19:11.Comment
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Just received a letter from ARC due to me not making payments. It's a 'we can refer the matter to our solicitors...to prepare a county court claim...', 'could apply for a formal judgement against you...'.Originally posted by debrag View Post
What is my next move?Comment
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Received a possible legal action letter for £86!!!! If I don't pay and they issue a ccj and I then don't pay it will be out sourced. I have 10 days to act. It would be nice if you could make payment arrangements/pay online but no you have to phone. I'd rather pay then get a ccj for £86. They are defiantly just in house for Harlands group as their web address just redirects to HarlandsOriginally 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 moveComment
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I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
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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 letter
Last edited by The Tech Clerk; 1 September 2018, 09:37.I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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no it was just one pageOriginally posted by The Tech Clerk View Postwas that a PAP letter of say 4-5 pages pre action protocol type? letter
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Received response for IROriginally posted by debrag View Post
Should I now go down the CCA route? or just wait as I haven't heard from Lantern for a while.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.Comment
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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.comI'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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