Pezman's Diary

[Pixie]

Re: Pezman's Diary

I'm not a 100% sure but I think the answer would be "why do their job for them"?

As Paragon haven't sent the information requested have you been back in touch with the ICO?

[Pixie]

Re: Pezman's Diary

Hi Guys, shall I ignore the letter from Crapbot as above or send a template reply, thanks Pez

You could ignore or just send a one-liner saying that you will only contact them in writing...I'm assuming that when they say contact, they mean phone.

[pezman65]

Re: Pezman's Diary

I'm not a 100% sure but I think the answer would be "why do their job for them"?

As Paragon haven't sent the information requested have you been back in touch with the ICO?

Hi Pixie, I sent them a copy of the letter I sent to Paragon, I spoke to the guy at ICO and he said he would have a look at it and get back but nothing yet, cheers Pez

[pezman65]

Re: Pezman's Diary

You could ignore or just send a one-liner saying that you will only contact them in writing...I'm assuming that when they say contact, they mean phone.

Yes I think so, I will ignore it for now and see what happens, these are the tossers that sent me someone else CCA. cheers Pez

[vint1954]

Re: Pezman's Diary

I would ignore also

[pezman65]

Re: Pezman's Diary

Type of account - Credit Card

Date commenced - March 1997

Approx balance - £1609

Date last full payment - March 2000

Are you on arrangement or not paying - arrangement till 29.08.12 now not paying

Status - Just cancelled DD


Account owner - Lewis Debt

Key:
Blue - Communication Sent
Red - Communication Received

29.08.12 requested CCA and sent £1 po
10.09.12 letter recieved from Lewis debt demanding Sept payment and missed August payment, also threatening field agent visit to personally call round and collect the debt. No mention of CCA request.
11.09.12 sent Harrasment and threat of doorstep visit letter.
19.09.12 letter recieved from LD to Harrasment and threat letter stating they do not have CCA request (even though they have signed for it and cashed the £1 cheque) requesting copy. Copy sent.
20.09.12 Sent copy of CCA request to LD.
02.10.12 Letter recieved form LD stating they are not the creditor and I should apply to Dixons for the CCA request.
05.10.12 Letter sent requesting them to get CCA
26.04.13 Letter received from LD with copy of CCA agreement, sent to Niddy.
28.04.13 Niddy say UE
09.05.13 Letter received from Santander stating outstanding balance is being sold to Arrow Global Management on May 13th.
03.06.13 Letter of assignment received from Arrow Gob.

Hi Guys, just received a letter of assignment from Arrow Gob, shall I sent "sold in dispute Temp" thanks Pez

[ScabHunter]

Re: Pezman's Diary

Hi Guys, just received a letter of assignment from Arrow Gob, shall I sent "sold in dispute Temp" thanks Pez

I would.

SH

[PlanB]

Re: Pezman's Diary

just received a letter of assignment from Arrow Gob, shall I sent "sold in dispute Temp"

I agree with SH.

That NOA letter may have said Arrow has appointed Wescot as its DCA and ask you to contact them instead. That's what my Arrow NOAs always say and I've got five accounts with them at the moment I've always responded quickly to Arrow direct because I had a near miss last year when Wescot didn't tell them why I said my account was in dispute and it went to the LBA stage with solicitors at short notice.

I think debt purchasers are getting better trained on the CCA. Some seem to know the difference between non compliance with s.78 (not sending any documents not even a bad recon) and s.65 and s.61 (sending something anything in order to be seen to comply but the documents are rubbish). I reckon as long as they send you something such as an application form they're sometimes willing to take their chance in court that a LIP won't know how to argue improperly executed.

Paul explained this much better than me in his Blog last week

http://paulatwatsonssolicitors.wordpress.com/

[Never-In-Doubt]

Re: Pezman's Diary

Hi Guys, just received a letter of assignment from Arrow Gob, shall I sent "sold in dispute Temp" thanks Pez

Yep seems a good idea to send that

[pezman65]

Re: Pezman's Diary

Type of account - Loan

Date commenced - January 1998

Approx balance - £8037

Date last full payment - 13.08.2000

Are you on arrangement or not paying - Arrangement until 29.08.12

Status - Just cancelled DD

Account owner - Barclays 23

Key:
Blue - Communication Sent
Red - Communication Received

29.08.12 sent CCA request with £1 PO
14.09.12 letter received with copy of agreement. Emailed Niddy.
21.09.12 Niddy says UE to send missing PT template.
22.09.12 Sent Missing PT letter.
23.10.12 Letter received, looking into complaint and will contact me later
03.12.12 Letter received from BC stating responsibility for collecting this outstanding debt has been passed to Credit Solutions LTD.
15.12.12 Letter recieved from credit solutions stating they have been asked to recover the balance, failure to contact may result in 1) Doorstep visit. 2) Debt sold on to new debt owner. Please contact asap.
18.12.12 Combined Sold on and doorstep template sent
31.12.12 Letter received from CS stating they have never received a request for a CCA, they acknowledge that this may have been sent to their client but the need confirmation of this.
03.01.13 Letter received from Power 2 Conect stating they have been instructed by their client to visit my address to dicuss repayment of the above debt.
06.01.13 Threat of doorstep visit sent.
19.01.13 Letter from CS stating awaiting a response from clients re CCA.
11.03.13 Letter from CS stating awaiting a response from clients re CCA.
02.04.13 Letter from CS stating awaiting a response from clients re CCA.
26.04.13 Letter from CS stating they have raised the issue with client who state "They are not in reciept of any CCA request or £1 paid. They have asked for cheque number and proof of CCA request.
27.04.13 Letter sent as suggested by SH with copy of original to show they received CCA request.
02.05.13 Another letter from Power 2 Conect " Formal notice of intended visit" they have been instructed to visit.
17.06.13 Letter received from Barcrap and Moorcrap stating now sold and purchased debt and requesting payment, sent sold in dispute letter.
17.06.13 sent sold in dispute letter to Moorcrap.

Hi Guys, just to update, letter of assignment received from Barcrap and moorcrap, sent sold in dispute letter, cheers Pez

[pezman65]

Re: Pezman's Diary

Hi everyone - Had a few loans and credit cards during my life and did not see a problem with spending, working and playing, in 1998 developed a heart condition and had time in hospital and convalescence. Got behind and tried to sort it via DMC who promised the world and produced nothing. Have been paying back for last 12yrs only to find Paragon have been charging interest and not informing me until they had to in 2009 when the CCA74 was updated.They agreed vebally that interest would be frozen in 2000 and agreed in writing that no areers would be added if I sighned an new DD for the new amount. Now in an impossible position re paying back and receiving all sort of phone calls asking for more money and income and expenditure forms etc etc, health poor and concerned about leaving my wife with all this crap. Feel I have hope now I have found this site and have had support from lots of you for which I am very grateful. Below is some of the debts and I will update with the others as and when. Cheers to all Pezman

Type of account - Loan
Date commenced - 11/09/1998
Approx balance - £22.345 should be £1800 they have charged interest for last 12yrs
Date last full payment - June 1999 was paying £10.60 month until today
Are you on arrangement or not paying - Arrangement until 29.08.12 now not paying
Status - 29.08.12 cancelled DD
Account owner - Paragon Finance

Key:
Blue - Communication Sent
Red - Communication Received

29.08.12 requested CCA and sent £1 po
20.09.12 recieved agreement and conditions, emailed Niddy 2 docs.
23.09.12 Niddy says UE and to send missing PT Template, sent 24.09.12
16.10.12 Letter received stating they have fulfilled their obligation and will not release from obligation
05.11.12 Sent SAR request.
08.11.12 received default sums letter
17.11.12 received letter in response to my SAR request with copy of UE agreement - UE conditions and 6 pages of accounting showing every payment and all interest and charges since inception of the loan.This is exactly what they sent in response to my CCA request.
22.11.12 Sent Final Response SAR request
03.12.12 Letter received stating "We have provided your loan agreement on 3 occasions and have complied with a subject access request fully complying with our obligations. Income and expenditure form enclosed, please complete and send back within 30 days.
04.12.12 Sent ICO complaint
18.12.12 Letter received from Paracrap stating arrears have increased to £42.40, they have charged me £10 to tell me this.
18.12.12 Letter recieved from ICO telling me they have received my letter and will deal with it asap
03.01.13 Income and exp form received from Paracrap, no other comments other than "please complete"
04.01.13 Letter recieved from Paracrap: "You did not return your I&E form Please reply within 7 days or phone us. We have charged you £10 for this letter".
04.02.13 Letters received from Paracrap, one default sums notice stating £20 has been added to account and one stating no payment plan in place please contact.
04.03.13 Another default sums notice of £20 added to account.
05.03.13 Letter stating they have responded to my CCA and SAR request. Request I&E to be filled in as they are willing to work with me to sort out a mutually acceptable arrangement. Nothing mutual about their arrangement!
04.04.13 Parcel from Paracrap including Loads of photocopies and T/C transcripts but still very selective on what they have sent. None of the important stuff.
16.04.13 Letter from ICO stating Paracrap have failed to comply with the requirements of the DPA, they agree that all the information was not disclosed to me within 40 days. However the ICO has decided not to take any further action as Paracrap have now stated they have sent all info and have now been disclosed to me (not)
Letter received from Paracrap " We are satisfied that we have issued you with all correspondence and telephone transcripts we hold in relation to your account.
21.06.13 Letter received from Paracrap, stating they will be sending me a Default Notice if I do not clear the outstanding balance.

Hi Guys, just wondered if I should reply to the last letter stating they will shortly be sending me a default notice if I do not pay, any suggestions will be appreciated, thanks Pez

[MrsD]

Re: Pezman's Diary

Did you go back to the ICO and point out that they haven't supplied you with everything?

[pezman65]

Re: Pezman's Diary

Did you go back to the ICO and point out that they haven't supplied you with everything?

Hi MrsD, yes, they said that Paracrap had told them they had given me all they had got on file. ICO said they could do nothing more. See below, should I do any more about this, thanks Pez

16.04.13 Letter from ICO stating Paracrap have failed to comply with the requirements of the DPA, they agree that all the information was not disclosed to me within 40 days. However the ICO has decided not to take any further action as Paracrap have now stated they have sent all info and have now been disclosed to me

[pezman65]

Re: Pezman's Diary

Hi MrsD, yes, they said that Paracrap had told them they had given me all they had got on file. ICO said they could do nothing more. See below, should I do any more about this, thanks Pez

16.04.13 Letter from ICO stating Paracrap have failed to comply with the requirements of the DPA, they agree that all the information was not disclosed to me within 40 days. However the ICO has decided not to take any further action as Paracrap have now stated they have sent all info and have now been disclosed to me

Hi MrsD just wondered if I should respond to Paracrap at this time given the info in #252 and #253 above, thanks Pez

[Pixie]

Re: Pezman's Diary

Hi Guys, just wondered if I should reply to the last letter stating they will shortly be sending me a default notice if I do not pay, any suggestions will be appreciated, thanks Pez

You want them to default you so just wait for them to send the default notice.

Hi MrsD just wondered if I should respond to Paracrap at this time given the info in #252 and #253 above, thanks Pez

Can you not write back to ICO saying that you haven't received everything?