Pezman's Diary

[Enforcer]

Re: Pezman's Diary

Up to you. You could go to FOS with a complaint, however you always stand the risk that they "MAY" be able to comply with a reconstituted version & prescribed terms. Suggest you keep an eye on my postings during the next couple of weeks. I currently have a FOS complaint on this basis.

[pezman65]

Re: Pezman's Diary

Type of account - Credit Card

Date commenced -1998

Approx balance - £1861

Date last full payment - 2000

Are you on arrangement or not paying - Arrangement until 29.08.12 now not paying (Cabot)

Status - Just cancelled DD

Account owner - B.O.Scotland / Cabot

Key:
Blue - Communication Sent
Red - Communication Received

04.09.12 requested CCA and sent £1 po
11.09.12 letter recieved stating they do not have the info onfile but they have requested it from the original lender, account on hold for 40 days.
07.12.12 Letter received from Crackpot stating they are unable to obtain CCA and as such the account is unenforceable. Please contact to arrange payment (Yea right)
22.04.13 Large letter received from Crapbot complete with recon CCA agreement .... unfortunately (or fortunately) not mine. They have sent someone else's complete with all details inc address, phone number, employment and bank information complete with account numbers and signatures.I am sure this can not be right.
13.05.13 Letter from Crapbot just asking to make contact, I will ignore for now, Yes?
09.09.13 Letter from Crapbot requesting contact or else.
16.09.13 Missing PT letter sent
0411.13 Letter received from FIRE (Financial Investigation & Recoveries LTD) stating that despite repeated requests for payment I still owe etc etc.

Hi Guys, this has now been passed to FIRE, this is the one where they have stated they do not have a CCA and then sent me someone else's CCA complete with all personal detail. Shall I ignore or respond, any suggestions will be appreciated, regards Pez

[MrsD]

Re: Pezman's Diary

I would send off http://www.all-about-debt.co.uk/old/...firming-no-cca

enclose a copy of the letter saying they have no cca

[SaltnVinegar]

Re: Pezman's Diary

Hi Guys, this has now been passed to FIRE, this is the one where they have stated they do not have a CCA and then sent me someone else's CCA complete with all personal detail. Shall I ignore or respond, any suggestions will be appreciated, regards Pez

I would wait until they have passed the account to:

EARTH - Embarrassing And Really Thick Halfbreeds LTD
WATER - We Are Tiny Eunuch Rednecks LTD
WIND - Weird Impotent Nobbly Donkeys LTD

Once they've been through the 4 elements you should then be contacted directly by GOD. Until that happens I wouldn't worry

[Loopyloo]

Re: Pezman's Diary

I would wait until they have passed the account to:

EARTH - Embarrassing And Really Thick Halfbreeds LTD
WATER - We Are Tiny Eunuch Rednecks LTD
WIND - Weird Impotent Nobbly Donkeys LTD

Once they've been through the 4 elements you should then be contacted directly by GOD. Until that happens I wouldn't worry

Brilliant! Made my day.

[pezman65]

Re: Pezman's Diary

Thanks all that's great, brill S&V. I would really love to stick it to them for sending someone else's CCA, that has got to be one of the worst things they could do, I now have all the personal details of another person and that has to be immoral if not criminal? how can they get away with such poor practice, cheers again Pez

[pezman65]

Re: Pezman's Diary

Type of account - Credit Card

Date commenced -1998

Approx balance - £1861

Date last full payment - 2000

Are you on arrangement or not paying - Arrangement until 29.08.12 now not paying (Cabot)

Status - Just cancelled DD

Account owner - B.O.Scotland / Cabot

Key:
Blue - Communication Sent
Red - Communication Received

04.09.12 requested CCA and sent £1 po
11.09.12 letter recieved stating they do not have the info onfile but they have requested it from the original lender, account on hold for 40 days.
07.12.12 Letter received from Crackpot stating they are unable to obtain CCA and as such the account is unenforceable. Please contact to arrange payment (Yea right)
22.04.13 Large letter received from Crapbot complete with recon CCA agreement .... unfortunately (or fortunately) not mine. They have sent someone else's complete with all details inc address, phone number, employment and bank information complete with account numbers and signatures.I am sure this can not be right.
13.05.13 Letter from Crapbot just asking to make contact, I will ignore for now, Yes?
09.09.13 Letter from Crapbot requesting contact or else.
16.09.13 Missing PT letter sent
0411.13 Letter received from FIRE (Financial Investigation & Recoveries LTD) stating that despite repeated requests for payment I still owe etc etc.
20.03.14 Letter received from Arrow Global with copy of agreement and T&C, sent to Niddy to check if UE.

Hi Guys, just received a letter from Arrow Global with agreement and T&C attached, I have sent to Niddy to check if UE. Regards to Pez

[marypoppins]

Re: Pezman's Diary

Fingers crossed

[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.
28.06.13 Letter received from Paracrap. Heading: This is a default notice served under section 87(1) of the Consumer Credit Act 1974.
06.07.13 Letter received from Paracrap stating this is a default sums notice, not a default notice as required by sec 87(1) of the CCA 1974.
05.09.13 Statement received from Paracrap stating: "We are required to send you a statement every year showing all movements on your account" They have enclosed a statement with the letter.
18.07.14 Letter received from Paracrap: Stating "Notice to Terminate your loan agreement"

Hi Guys, just received a letter from Paracrap headed: "Notice to terminate your loan agreement" . They say as I have not satisfied the terms on the Default notice they issued recently (never had one) they have no alternative but to terminate my credit agreement and demand the sum of Balance: £0.00. If I do not pay the above amount within 5 days they will take steps to recover debt via an DCA on there behalf. Not sure what to make of this but I hope it means they have given up and closed the file, what do you think, regards Pez.

[Pixie]

Re: Pezman's Diary

Hi Guys, just received a letter from Paracrap headed: "Notice to terminate your loan agreement" . They say as I have not satisfied the terms on the Default notice they issued recently (never had one) they have no alternative but to terminate my credit agreement and demand the sum of Balance: £0.00. If I do not pay the above amount within 5 days they will take steps to recover debt via an DCA on there behalf. Not sure what to make of this but I hope it means they have given up and closed the file, what do you think, regards Pez.

I think you're being very hopeful!!!

An account is terminated when you don't pay up as per the Default Notice (not sure what you should do about not getting one...perhaps you could write and say that you haven't received one?) but it doesn't mean they've given up on trying to collect payment for it.

[pezman65]

Re: Pezman's Diary

I think you're being very hopeful!!!

An account is terminated when you don't pay up as per the Default Notice (not sure what you should do about not getting one...perhaps you could write and say that you haven't received one?) but it doesn't mean they've given up on trying to collect payment for it.

Hi Pixie, even though they say the balance is £0

[Pixie]

Re: Pezman's Diary

I'm not sure why they've said that but I don't think they've given up because they say they'll take steps to recover the debt via a DCA.

Let's wait and see what you get next (and who off)

[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.
28.06.13 Letter received from Paracrap. Heading: This is a default notice served under section 87(1) of the Consumer Credit Act 1974.
06.07.13 Letter received from Paracrap stating this is a default sums notice, not a default notice as required by sec 87(1) of the CCA 1974.
05.09.13 Statement received from Paracrap stating: "We are required to send you a statement every year showing all movements on your account" They have enclosed a statement with the letter.
18.07.14 Letter received from Paracrap: Stating "Notice to Terminate your loan agreement" the amount they say I owe is £0.
28.07.14 Letter recieved from Paracrap as above but stating the amount owed is now £5131.80

Hi Guys, i have now received another letter from Paracrap stating "they have no alternative but to terminate my credit agreement, if i do not pay they will pass to a DCA to recover the debt"
Do I reply or wait for the DCA to make contact, many thanks Pez

[nightwatch]

Re: Pezman's Diary

I would let them pass it to a DCA as then no more interest should be added to the account, then you can start again with a Sold in Dispute letter

Welcome aboard Magic roundabout

[Pixie]

Re: Pezman's Diary

I agree with NW. You want them to terminate the account because then interest should be stopped.

Just wait and see who they pass it to and then send Account Sold while in Dispute. To be able to access this and the other templates, you will need to register with the main website.