Lovemoney UE Diary

[Lovemoney]

Re: Lovemoney UE Diary

yes you could use the DPA, indeed, my only concern is they can get out of providing it by saying its disproportionate to search archives for example

or they could argue its not held in a relevant filing system

there was a case involving the Welsh Ministers that dealt with the limits of DPA

Paul do you advise to send data protection act request.

[PlanB]

Re: Lovemoney UE Diary

Paul[/COLOR].;187052]yes you could use the DPA, indeed, my only concern is they can get out of providing it by saying its disproportionate to search archives for example

or they could argue its not held in a relevant filing system

there was a case involving the Welsh Ministers that dealt with the limits of DPA

^^^^ I think Paul has already said Yes to sending a DPA request - but he also cautioned that the creditor may have some wriggle room when responding to you so no guarantee that you'll get exactly what you're looking for. We'll see

[Paul.]

Re: Lovemoney UE Diary

Indeed that was what I alluded to Planb

[Lovemoney]

Re: Lovemoney UE Diary

^^^^ I think Paul has already said Yes to sending a DPA request - but he also cautioned that the creditor may have some wriggle room when responding to you so no guarantee that you'll get exactly what you're looking for. We'll see

Indeed that was what I alluded to Planb

THANK YOU PlanB & Paul... I'll do it straight away and send it off monday .
can you send me the link for the template please.

[PlanB]

Re: Lovemoney UE Diary

Here it is ---> Our Templates | Unenforceability Templates | Subject Access (SAR) - Advanced Request

You'll need to attach a cheque or P.O. for £10.

^^^^ The ten quid is for the Subject Access Request not Flowerpower's usual speedy Room Service with that link

[Lovemoney]

Re: Lovemoney UE Diary

I am sorry for being dopey and thick...forgive me.
really appreciate all the advice and help I receive, a big thank you

[Lovemoney]

Re: Lovemoney UE Diary

18/5/2012
received Notice of Assignment (dated 2/5/12 with ordinary post) advise that Phoenix Recoveries has assigned all....to Arrow Global Ltd, effective 13/5/11. All payments made on this a/c after 31/12/10 will passed to Arrow Global and will deducted from the current bal. It is essential that all future payments & correspondence regarding this a/c be directed to Largo Collections (which it is £1 standing order since 21/11/08). You should contact Largo Collections Ltd to organise payment of this a/c as a matter of urgency.

Confused...original lender HSBC sold to Largo Collections, Claimant is Phoenix Recoveries. Now Phoenix Recoveries assigned to Arrow Global, all future payment and correspondence be directed to Largo Collections (which paying £1 by standing order since 21/11/08). All payments made after 31/12/10 will be passed to Arrow Global.
Please correct me if I'm wrong now i should request SAR from Largo Collections.

[Lovemoney]

Re: Lovemoney UE Diary

No, you should send SAR to the original creditor, DCAs usually buy accounts in bulk and hold very little info about them.

What info are you hoping to obtain from this SAR?

Thanks Flowerpower..
I haven't got the original creditor address. According the assignment letter they send me stated all future payment and correspondence be directed to Largo Collections.

The info I'm hoping to obtain mentioned as above #187 & #188.

[Lovemoney]

Re: Lovemoney UE Diary

Ah, the one with the CCJ! According to your posts, the original creditor was HSBC so they are the ones you would have signed an agreement with, not any of the DCAs involved.

The addresses for most financial institutions are here ---> Useful and Hard to Find Addresses - allaboutFORUMS

HSBC details:

HSBC Bank

FAO Data Protection Controller
8 Canada Square
London,
E14 5HQ

Thanks for the address and useful link .
Actually was First Direct they are same HSBC.

Sorry about the confusion

after I send this SAR request (than no need to reply to Largo/Arrow Global and carry on previous standing order £1 payment) and wait within 40 days reply is that correct?

[CleverClogs (RIP)]

Re: Lovemoney UE Diary

yes you could use the DPA, indeed, my only concern is they can get out of providing it by saying its disproportionate to search archives for example

or they could argue its not held in a relevant filing system

As the DPA seems to include every manner of filing system from a computer database through to a shoe-box stuffed with postcards, with the possible exception of indexed, tiny tattoos on the private parts of a mob of Mexican midgets, it is not easy to comprehend how their filing system might be excluded.

there was a case involving the Welsh Ministers that dealt with the limits of DPA

I understood that the case of Ezsias v The Welsh Ministers (2007) - PDF link to commentary thereon - dealt with the question of what was the disproportionate effort to make data available in a permanent form and also on how finely a judge could split hairs to back up the establishment.

[Lovemoney]

Re: Lovemoney UE Diary

EGG (CREDIT CARD)
ACCOUNT SOLD TO CAPQUEST & AKTIV KAPITAL
BALANCE: £11344.81

26/3/12
sent cca request.

18/5/12
cca received emailed (on the cover letter saying whilst we wait on your response, please be advised that this a/c remains on hold).

22/5/12
Niddy says based on the fact it's a damn good recon by the looks of it is
however that said it still isn't signed or anything so definitely
worth blagging by sending MPT letter.

Thanks Niddy
Updated
please advise...should I carry on making £1 standing order payment for now.

[Lovemoney]

Re: Lovemoney UE Diary

FIRST DIRECT (LOAN) CCJ
ACCOUNT SOLD TO DCA: LARGO LEGAL & RECEIVABLES

16/11/2007 BALANCE: £17101.52
repayment agreement due to review. Income & expenditure and documentary evidence requested failure respond legal action taken.

5/2/2008 Balance: £17101.52
received my correspondence of offer. Has turned down my offer & requested £285.00 subject to regular review. Failure to make payment as requested result furthter action.

18/7/2008
Received Court claim form £18162.02+Court fee£310+Solicitors costs£100=£18572.02

22/8/2008 Balance: £18710.77
acknowledge receipt Form of Admission and note yr offer to discharge the debt £10 p/m. This offer is rejected since our instructions are obtain Judgement thereafter apply for Charging Order.

25/8/2008
(cca request sent previously). request Statutory Fee for a section 78 (i didn't reply).

9/7/2009
cca request sent

16/7/2009
received notice of change of Solicitor.

5/10/2009
sent complaint failed to send me a signed true copy of cca.

Note: some paperwork missing.

18/5/2012
received Notice of Assignment (dated 2/5/12 with ordinary post) advise that Phoenix Recoveries has assigned all....to Arrow Global Ltd, effective 13/5/11. All payments made on this a/c after 31/12/10 will passed to Arrow Global and will deducted from the current bal. It is essential that all future payments & correspondence regarding this a/c be directed to Largo Collections (which it is £1 standing order since 21/11/08). You should contact Largo Collections Ltd to organise payment of this a/c as a matter of urgency.

21/5/2012
SAR request sent.


23/5/2012
Check with the Court office and confirmed "NO JUDGEMENT".

as discussed in #165, I went in to the Court and try to find out more details, she check and confirmed NO JUDGEMENT and said since admission 2008 perhaps they didn't go further.

[Lovemoney]

Re: Lovemoney UE Diary

Have you checked Trustonline?

May be worth doing a search here ---> Check the registers for your CCJ, judgment and fine records - Trust Online

CCJs stay on record for 6 years so if it was obtained in 2008 it would still be there.

Should be worth the relatively small cost to find out once and for all if they got a CCJ or not

As Niddy said it was I would probably carry on paying £1 a month.

Thanks for the reply....

[Lovemoney]

Re: Lovemoney UE Diary

CAPITAL ONE (CREDIT CARD)

26/3/2012
cca request sent.

27/4/2012
received Credit Agreement (cover letter dated 6/4/2012) Emailed Niddy

30/4/2012
Niddy confirmed MPT letter sent.

23/5/2012
received HL LEGAL SOLICITORS letter (dated 19/5/12) TAKE NOTICE that if you fail to repay the arrears on the arrangements you have made of £2.00 by 28/5/12 Court proceedings may be issued against you for £10052.71 plus further costs that will be added. Furthermore, if you commence payments and fail in your commitments in future without good cause or reason, further action may commence without further notice.

please advise me as to what my next move should be...thanks as always.

[Lovemoney]

Re: Lovemoney UE Diary

MBNA (CREDIT CARD)

ACCOUNT SOLD TO DCA (LINK)


23/9/08
Assignment Date: 20/7/2007
Link Financial give notice of default acting on behalf MBNA debts, breached clauses 1b & 8 of the arrangement required to make full repayment £16013.00 by 7/10/08. If not legal action will be taken.

9/7/09
sent cca request

27/8/09
received documents(cca?? will email to Niddy later on) required.

8/8/09 Balance: £15986.00
received Statement of the a/c 29/7/10-5/2/11
.

7/2/11 Balance: £15980.00
received Statement of the a/c 6/2/10-7/8/11

9/2/12 Balance: £15974.00
received Statement of the a/c 8/8/11-8/2/12

Notes: Sorry got some paperwork missing in between.

21/3/12
Niddy confirmed


26/3/12
sent MPT letter(without recorded post).

16/5/12
received REMINDER NOTICE-YOUR PAYMENT IS OVERDUE.
the payment £1 was due on 30/4/12 & as such yr repayment plan is in arrears. If the sum shown below is not made immnediately then the plan will be cancelled and the full outstanding balance of £15,972.00 will be due. should contact an Account Officer to make this payment by Debit or Credit Card today.
TOTAL NOW PAYABLE £1.00.

Just Ignore for now?