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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
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
. To think I used to be terrified of them and used to grovel hoping they would accept my offers of payment, not any more 
. On another point I have tried to view some other diarys for confidence but I cant open some of the bold letters that Niddy suggests for other people, am I not allowed or have I got a problem on my PC. Speak soon, lovely sunny day, we are off to the park, Many thanks Pezman x
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