Caesar UE Diary

[The Tech Clerk]

give a few more days if by Monday make a complaint thru ICO - awaiting how good they are these days for a complaint made by me Monday???

[Caesar]

2/ Asset Collections had to ask Avant Credit for these documents that they have sent you! Asset Collections intend to intimidate and confuse you into making a poor decision.

So for the moment ignore Asset Collections because you need the SAR data from Avant Credit.
The Log file with Dates and documents and they must supply this within the 30 days.
Do not lose another day over requesting this from Avant Credit. This will also include whether there is PPI (unknown to you) or not

One month already since I made the SAR request to Avant Credit and no reply yet. Can you tell me what I should do in this case? As I know, the fine for them should be quite big if they don't comply with the new data protection rules. My request was sent first by mail and after 2 days by recorded letter and they sign for it.

[Warwick65]

At this point you may want to wait a while until you have written communication from asset. I don't think there is any definite right or wrong answer, different views about how to handle things is all there are. The problem with asset from what i have heard is they play a little fast and lose with the truth. If you receive any letters from TM legal, do not necessarily believe what they say but check the facts first

[The Tech Clerk]

CCA request will give them 12 + 2 days to respond if not the account is unenforceable until they do even then not always enforceable send recorded delivery and keep copy? sure other will advise also sosee what they think as well

[Caesar]

CCA request done??? to owners

No CCA request yet. Should I do it now or wait to buy more time?

[The Tech Clerk]

CCA request done??? to owners

[Caesar]

Quite a few pay day loans with original lenders where I have self managed payment plan with them. Is it worth it to send them CCA request? Or just to pay what I can afford and after that to make an offer for f&f settlement?

11. Uncle Buck payday loan

• Type of account (payday loan)
• Date commenced (2016)
• Approx balance £500
• Date last paid (2016)
• Arrangement: not paying
• Status (default)
• Account owner (Asset Collections and Investigations)

01.06,2018 Email from Uncle Buck that they have assigned my account to Asset Collections and Investigations. Now I have 2 accounts with Asset.
I had a payment plan with Uncle Buck which I stopped it when I complained to FOS. My complaint was rejected but I haven't restarted the payment?

14.06.2018 Text message and email from Asset Collections that they own my account from now and I should contact them.

What should I do now?

[Warwick65]

personally, for now I would just go for original creditor

[Caesar]

Thank you Still Waving and Warwick for reply.

I have received from them: Statement of Account Under Section 77A of the Consumer Credit Act 1974 and Notice of Sums in Arrears
IMPORTANT - YOU SHOULD READ THIS CAREFULLY Served under section 86B of the Consumer Credit Act 1974. Both were sent by email. No letters.

It was last year when my complaint was rejected by adjudicator and I didn't refer to an ombudsman because it was too late to do it.


One more thing regarding my another account hold by Asset. I requested SAR by email from Avant Credit but they said to contact the current owner of the account. I want to request SAR by recorded letter from Avant like you have advice me. Should I also request SAR from Asset Collections? Or SAR just from original creditor is fine?

[Warwick65]

I would also leave well alone at the moment

Just another question re this account

Did you ever receive a S87(1) Default Notice and if so how was it delivered. It is no use to you at the moment but I am a firm believer in building up a archest of evidence should you ever need it. I had a file of 100+ documents when I received my claim which made me, more certain in my own mind I never received a DN

How long ago did you get the decision from the FOS because usually the first decision comes from an adjudicator and you have a right to refer it to a more senior ombudsman.

[Still Waving]

Can anyone please help with this? Should I sent CCA request to Asset or just wait for a period?

No - just sit tight and await their first letter(s). You can then either file and ignore, or ask about an appropriate response, depending on the content of their letters.

[Caesar]

Quite a few pay day loans with original lenders where I have self managed payment plan with them. Is it worth it to send them CCA request? Or just to pay what I can afford and after that to make an offer for f&f settlement?

11. Uncle Buck payday loan

• Type of account (payday loan)
• Date commenced (2016)
• Approx balance £500
• Date last paid (2016)
• Arrangement: not paying
• Status (default)
• Account owner (Asset Collections and Investigations)

Email from Uncle Buck that they have assigned my account to Asset Collections and Investigations. Now I have 2 accounts with Asset.
I had a payment plan with Uncle Buck which I stopped it when I complained to FOS. My complaint was rejected but I haven't restarted the payment?

Can anyone please help with this? Should I sent CCA request to Asset or just wait for a period?

[Warwick65]

While using other means are clearly possible my personal preference would be by letter as this gives you a paper trail. If you do write in I would start the letter with

Further to my telephone call (or whatever it was) on xxxxxx ....

[Caesar]

I used the last version that Roger told me about it.

,,Now that we're ready for the GDPR, did you know that you no longer need to pay for requesting a Subject Access Request (now known as a Right of Access)? Similarly, you no longer need to actually write in anymore - you can use any formal means of contact such as requesting your information via phone, Facebook (and other social media outlets) or via email, if the firm can adequately identify you of course.''

If you think it's wrong I will send letter on Monday morning. Royal mail to sign for delivery.

[Warwick65]

I believe a SAR should be made in writing to the data controller. That is certainly how it used to work

AvantCredit
Liberty House, 222 Regent Street
London. W1B 5TR