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  • #31
    Hi
    The debt was opened in 2002 and defaulted in 2005.
    the deft originally went to debt collectors Blair,Oliver and Scott for collection from 2005 (still original creditor) and I payed them reduced amount monthly until it was sold to Cabot in August 2012.
    the offers that I made were with Blair, Oliver and Scott in May 2012. I don’t think I have made an offer to Cabot just been paying them £1 a month which was my agreement with Blair, Oliver and Scott.

    Comment


    • #32
      Was the debt a loan or credit card? If it was a loan how long was it spread over?
      Legal Disclaimer
      I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

      If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

      Comment


      • #33
        Hi Joanna
        it was a credit card.

        Comment


        • #34
          Originally posted by Cord View Post
          it was a credit card.
          You've sent a s77-79 CCA Request with the £1 statutory fee which has been acknowledged by Mortimer Clarke Solicitors who’ve told you the account is now on hold.

          What is the date on their Letter of Claim so you can keep an eye on the ‘expiry date’ just in case?

          In the meantime I suggest you send a Subject Access Request to Intelligent Finance (address details are on their website) to see what data they have on your account, because if the necessary information is not held by the original creditor then Cabot won’t be able to get it either.

          Di
          Legal Disclaimer

          I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

          Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

          Comment


          • #35
            Hi
            The date is 15th January so will keep an eye on it.
            great thanks. I will send the request. The problem is that intelligent finance now only deal with mortgages and stopped credit cards back in March 2013. Probably why they sold the debt on.
            Mortimer Clarke state that the bank of Scotland is my creditor. Please advise who do I send the subject access request to?

            Comment


            • #36
              Originally posted by Cord View Post
              I will send the request. The problem is that intelligent finance now only deal with mortgages and stopped credit cards back in March 2013. . . . . .

              Please advise who do I send the subject access request to?

              If you click on "How to get a copy of your personal information" in this link you'll see the address to write to etc > https://www.if.com/privacy/default.aspx#11

              They say they can send it in digital format so that's helpful.

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • #37
                I have the following template


                Dear Sir/Madam


                Account No:

                Please send me the information which I am entitled to under the Data Protection Act 2018.

                I would particularly like you to provide information about the following items.



                If you need further information from me, please let me know as soon as possible.

                I understand that you should provide the information I have asked for without undue delay and at the latest within one month of receiving this letter.

                I look forward to hearing from you.

                Comment


                • #38
                  What do I put after
                  ‘I would particularly like you to provide information about the following items’

                  Comment


                  • #39
                    Originally posted by Diana Mayhew View Post


                    If you click on "How to get a copy of your personal information" in this link you'll see the address to write to etc > https://www.if.com/privacy/default.aspx#11

                    They say they can send it in digital format so that's helpful.

                    Di

                    I should add it's possible that Intelligent Finance no longer hold any data on you since the credit card business was subsequently sold to Halifax BOS.

                    So it may make sense to send a SAR to both IF and BOS - there's no fee to pay.

                    What you'll be hoping is that documents may have got mislaid in transition.

                    Di
                    Legal Disclaimer

                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • #40
                      Hi
                      Thanks. Do I need to ask them for anything specific or just all the information they hold on me?

                      Comment


                      • #41
                        Originally posted by Cord View Post
                        Do I need to ask them for anything specific or just all the information they hold on me?

                        I would ask both of them for everything, then there can be no excuse for withholding anything.

                        Have you kept any information of your own over the years?

                        Di

                        Legal Disclaimer

                        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment


                        • #42
                          Hi
                          I have a folder with lots of letters from Blair,Oliver and Scott and also Cabot over the years but nothing from intelligent finance back in pre 2005
                          Cabot offered me a final settlement of £750 ish for the debt of £2500 last year but I’m struggling financially at the moment so couldn’t afford it.

                          Comment


                          • #43
                            I also have a debt with MBNA from around the same time. I offered them final settlement offers back in 2011 and again in 2012. I sent a CCA request back in 2012 to and they stated they had referred it back to the original creditor. I stopped paying them in 2013 and have not contacted them. They have sent me letters though.
                            is this statue barred and if so do I write to them?
                            many thanks

                            Comment


                            • #44
                              Originally posted by Cord View Post
                              I also have a debt with MBNA from around the same time. I offered them final settlement offers back in 2011 and again in 2012. I sent a CCA request back in 2012 to and they stated they had referred it back to the original creditor. I stopped paying them in 2013 and have not contacted them. They have sent me letters though.

                              Maybe it would help you to start a Diary of your own where you can list all the debts you’ve been struggling with over the years, and then forum members can make suggestions on how to manage each one of them.

                              Which debt purchaser bought your old MBNA credit card - was it PRA?

                              Who owns the debt now because you say “they” referred it back to MBNA after you sent them a CCA Request in 2012?

                              Di
                              Legal Disclaimer

                              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

                              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                              Comment


                              • #45
                                Hi.
                                i originally had 5 debts but 3 of them accepted final offers in 2012. These are the only 2 that are left.
                                sorry. It isn’t MBNA. it’s moorcroft for a cahoot loan. That debt was never sold on and is still with Santander (part of cahoot)

                                Comment

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