Fredbares UE Diary

[fredbare]

Re: Fredbares UE Diary

Catalogue Tocatto
Approx amount 1000
Date started 2004
Status Not paying
Date Last Paid Aug 2011
Owner JDWilliams

Asked if they could change payment date as I was finding it difficult to pay on a 4 weekly basis. Request refused and charges were applied. Stopped paying and ignored. Various letters came from their arrears dept also ignored.

December 2011 letter from reliable telling me an appointment has been made to contact me at my home on wednesday? No date.

Sent letter to reliable asking who they had made appointment with as it wasnt me.
The name of the agent who had made the appointment. What was discussed. Date and time appointment was made. Also told them no doorstep visits everything in writing.
No reply to that except a nice letter wanting to help me. Why couldnt they do that in the beginning?
Sent cca letter
Received a True Copy of agreement and transaction history.
Few more letter from reliable, conduct unacceptable etc
Received notice of potential court action.
Letter from Tocatto April their acting on behalf of jd williams. They also noted a pound was paid into the account in Jan. This was the pound I paid for the CCA and was reversed back out, its in the transaction history.
I have not replied to this yet.

Agreements sent to Niddy
Niddy says unenforceable send account sold in dispute letter
Sent letter

Received another letter from tcatto giving 7 days to pay or recommend court action, home visit etc. I looked for these people, other site says they are part of lowell. Phone calls have started again too.

[Never-In-Doubt]

Re: Fredbares UE Diary

Good luck - keep us updated

[fredbare]

Re: Fredbares UE Diary

nope send as it is

Will do thank you Niddy

[fredbare]

Re: Fredbares UE Diary

Both jd agreements are

Send missing PT's template

Well done

Thank you will send after weekend

[Never-In-Doubt]

Re: Fredbares UE Diary

Hi

Do I need to amend the sold in dispute templeate letter as I have never formally put this account into dispute with jdwilliams, i have ignored them.

Thanks

nope send as it is

[Never-In-Doubt]

Re: Fredbares UE Diary

Both jd agreements are

Send missing PT's template

Well done

[fredbare]

Re: Fredbares UE Diary

[QUOTE=Never-In-Doubt;192374]You would send tocatto the account sold whilst in dispute template

If you have an agreement let me see it please [/QUOT

Hi

Do I need to amend the sold in dispute templeate letter as I have never formally put this account into dispute with jdwilliams, i have ignored them.

Thanks

[fredbare]

Re: Fredbares UE Diary

Who's handwriting is on the 4 forms. Is it yours or not?

No Niddy not mine, they did that, the account was taken out jan 2004 online

[fredbare]

Re: Fredbares UE Diary

Account: Current Account Overdraft
Date Commenced: 1994
Balance: 1400 approx All Charges
Last paid: Late 2009
Status: Closed I assume as they demanded full balance
Account Owner: HSBC
DCA: Metropolitan Collections, DG Solicitors, Central Debt Recovery


November 2009 Reclaimed Bank Charges
December 2009 HSBC replied and put on hold for Bank Charge Case
December 2009 Letter from HSBC advising overdrawn
December 2009 Letter from HSB refusing Bank Charge Claim
May 2010 Letter from Metropolitan, they have been instructed to collect, 7 days to pay up or else, ignored
June 2010 Letter from Metropolitan, you have failed to pay
June 2010 Sent CCA request to Metro
July 2010 Letter from Metro claoming part v exemption and pay up in 14 days, ignored
July 2010 Sent SAR to HSBC, received acknowledgement of SAR
August 2010 Letter from DG pre sue unit 14 days to pay, ignored
September 2010 Picked up SAR, loads of computer print outs that I didnt understand and some copy letters and internal log
September 2010 Letter from DG Urgent I respond or legal action will commence
Septemeber 2010 Sent letter to HSBC non compliance of SAR wanted terms and conditions etc
September 2010 Sent letter to DG Account in dispute due to non compliance of sar and bank charges
September 2010 Letter from DG offering discount and one putting account on hold for 4 weeks
October 2010 Complaint sent to ICO for non compliance of sar, informed HSBCOctober 2010 Letter from HSBC, sorry I was dissatisfied, SAR was sent to me and can escalate my concerns if I want to
November 2010 Letter sent to HSBC, I was not happy, still not received documents I asked for
December 2010 Letter from DG saying Bank had sent final response and enclosing an income and expenditure sheet to fill in for repayment proposal, ignored
January 2011 Letter sent to DG advising still in dispute and asking for original facility letter
January 2011 Another discount offer letter from DG, ignored
February 2011 Letter from CDR, referred for immediate collection, ignored
February 2011 ICO requested more information, sent them copies
March 2011 Letter received from CDR we will be calling you on xx date please call usignored
April 2011 Final Offer of a discount from CDR
April 2011 Letter from CDR Despite previous reminders etc, no option but to take further action and enclosing a standing order mandate to pay monthly?
May 2011 Sent letter to CDR, no doorstep visits, writing only, account in dispute
May 2011 ICO not upheld my complaint, HSBC complied and to ask the bank direct for the facility letter as it wasnt in my original sar and they didnt have to provide it, and HSBC wanted clarification on what a faciility letter is?
May 2011 Letter from Metropolitan in reply to my letter to CDR in May, apologising, no doorstep visits will be made, telephone details removed etc

February 2012 Letter from CDR, payment overdue??? imperative to pay within 24 hours, please telephone us
May 2012 Letter from CDR, another generous offer of a discount, upon receipt cra files will be marked as satisfied. Thought they had sent a final offer letter in april, oh yes they did!

Up to date, I cant believe its been 3 years since they started this nonsense, if they had accepted my offer of monthly installments in the beginning instead of ignoring my requests it would have been paid a long time ago. I think I will completely ignore this now, unless anyone can advise me further.

Thank you for persevering. hope I spelt that right.

Fredbare

[Never-In-Doubt]

Re: Fredbares UE Diary

Who's handwriting is on the 4 forms. Is it yours or not?

[fredbare]

Re: Fredbares UE Diary

[QUOTE=fredbare;183829]Catalogue Tocatto
Approx amount 1000
Date started 2004
Status Not paying
Date Last Paid Aug 2011
Owner JDWilliams

Asked if they could change payment date as I was finding it difficult to pay on a 4 weekly basis. Request refused and charges were applied. Stopped paying and ignored. Various letters came from their arrears dept also ignored.

December 2011 letter from reliable telling me an appointment has been made to contact me at my home on wednesday? No date.

Sent letter to reliable asking who they had made appointment with as it wasnt me.
The name of the agent who had made the appointment. What was discussed. Date and time appointment was made. Also told them no doorstep visits everything in writing.
No reply to that except a nice letter wanting to help me. Why couldnt they do that in the beginning?
Sent cca letter
Received a True Copy of agreement and transaction history.
Few more letter from reliable, conduct unacceptable etc
Received notice of potential court action.
Letter from Tocatto April their acting on behalf of jd williams. They also noted a pound was paid into the account in Jan. This was the pound I paid for the CCA and was reversed back out, its in the transaction history.
I have not replied to this yet.[/QUO

Agreements sent to Niddy

[Never-In-Doubt]

Re: Fredbares UE Diary

No Niddy I havent paid since 2009 so any refund of ppi would reduce the balance by that amount, is that right? That would make the debt much smaller than they are claiming.

exactly..... lets cross the reclaim bridge as and when we need to

[fredbare]

Re: Fredbares UE Diary

buy you're not paying these are you? Any refund would go to the debt, not to you.....

No Niddy I havent paid since 2009 so any refund of ppi would reduce the balance by that amount, is that right? That would make the debt much smaller than they are claiming.

[Never-In-Doubt]

Re: Fredbares UE Diary

That would reduce the balance by about half I think on mine, havent done a proper spreadsheet just a rough total. That would be a great help.

No ppi on other halfs.

buy you're not paying these are you? Any refund would go to the debt, not to you.....

[fredbare]

Re: Fredbares UE Diary

If they take it back to court all this will become relevant and we'll successfully do a reclaim of ppi as well.....

Don't worry about these for the time being....

That would reduce the balance by about half I think on mine, havent done a proper spreadsheet just a rough total. That would be a great help.

No ppi on other halfs.