Pezman's Diary

[pezman65]

Re: Pezman's Diary

Type of account - loan

Date commenced - 1998

Approx balance - £5109

Date last full payment - 2000

Are you on arrangement or not paying - Arrangement until 04.09.12 now not paying

Status - Just cancelled DD

Account owner - Barclaycard 84

Key:
Blue - Communication Sent
Red - Communication Received

29.08.12 requested CCA and sent £1 po
08.09.12 letter received from Barclays dated 05.09.12. tranfering to RMA.
02.10.12 Letter from BC stating again account passed to RMA.
15.10.12 Letter recieved form RMA offering reduced settlement if I contact them asap or I will loose the offer.
29.10.12 letter from RMA demanding payment or else.
27.11.12 formal notice of potential doorstep recovery, no acknowledgement of my CCA request.

Hi Guys, letter from RMA "Notice of potential threat of doorstep recovery" they say they will ask Scotcall to visit if I don't make contact or pay in full. Shall I send the doorstep template? cheers Pez

[Deepie]

Re: Pezman's Diary

Hi Guys, letter from RMA "Notice of potential threat of doorstep recovery" they say they will ask Scotcall to visit if I don't make contact or pay in full. Shall I send the doorstep template? cheers Pez

I would if it were me--------> Harassment & Threat of Doorstep-Visit

[ScabHunter]

Re: Pezman's Diary

Hi Guys, letter from RMA "Notice of potential threat of doorstep recovery" they say they will ask Scotcall to visit if I don't make contact or pay in full. Shall I send the doorstep template? cheers Pez

I would send it together with the CCA reminder letter. No harm in letting them know exactly why their letter is entirely inappropriate.

(Posting on cell phone so can't link to templates)

SH

EDIT - Back home now, so here is CCA reminder template -

Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

You'll need to amend the bottom paragraph slightly, as it look as though you've already stopped paying. This one and the harassment template are short enough to merge into one letter with just a distinct paragraph heading.

[The Tech Clerk]

Re: Pezman's Diary

RMA had them running after 2 letters, years ago, they were not fast enough for the Olympics. lol

[pezman65]

Re: Pezman's Diary

I would if it were me--------> Harassment & Threat of Doorstep-Visit

Thanks I2D, appreciated, Pez

[pezman65]

Re: Pezman's Diary

I would send it together with the CCA reminder letter. No harm in letting them know exactly why their letter is entirely inappropriate.

(Posting on cell phone so can't link to templates)

SH

EDIT - Back home now, so here is CCA reminder template -

Our Templates | Unenforceability Templates | CCA Reminder - Unenforceability Threat

You'll need to amend the bottom paragraph slightly, as it look as though you've already stopped paying. This one and the harassment template are short enough to merge into one letter with just a distinct paragraph heading.

Many thanks, will do it now, cheers, Pez

[pezman65]

Re: Pezman's Diary

RMA had them running after 2 letters, years ago, they were not fast enough for the Olympics. lol

They certainly don't seem to know Ass from elbow, many thanks, Pez

[jon1965]

Re: Pezman's Diary

Pez, Scotcall are easy to see off, doorstep letter to them asap.

As for sending a reminder letter I always thought that once you sent a cca request you didn't bother to remind them just in case they had forgotten. Took amex a long time to send me my UE CCA

[ken100464]

Re: Pezman's Diary

For newbies this isnt so clear that you should not.

Must admit I sent the second letter but did so because I like the idea you have told them its in dispute whereas the first just says what may happen.

I like the idea you have a account in dispute letter signed for.

[Undercover Elsa]

Re: Pezman's Diary

The reminder letter is usually sent in response to the DCA failing to acknowledge the CCA request, and continuing to press for payment, as in this instance, not to jog their memories if they've gone quiet

[jon1965]

Re: Pezman's Diary

Thanks for clearing that up Elsa

[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.

Hi Guys, letter received from BC stating "Responsibility for collecting this debt has been passed to CREDIT SOLUTIONS LTD, I should contact them to pay outstanding balance in full or they will take further action. Shall I send "sold in dispute" letter or any other response needed?, thanks Pez

[ScabHunter]

Re: Pezman's Diary

Hi Guys, letter received from BC stating "Responsibility for collecting this debt has been passed to CREDIT SOLUTIONS LTD, I should contact them to pay outstanding balance in full or they will take further action. Shall I send "sold in dispute" letter or any other response needed?, thanks Pez

That is what I would do.

It seems as though Sharklaycard have now run out of arguments, so they are now going to go through the pantomime of making endless equitable assignments. It is a common enough scenario, and is a positive sign overall.

SH

[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.

Hi Guys, letter received as above. Paracrap also state loan now at £20,270.09p. Should be £1600. Interest being charged is 18.330% with £31.80 arrears. They are totally ignoring my letter and requests for information. What are you thoughts on this. There should be so much information on this account from the year 2000 when they wrote to me most weeks, they also corresponded with DMC Alexander Rose (now defunct)There will also be letters from them offering reduced payments and telephone records freezing interest. Any ideas what to do now, many thanks Pez

[ScabHunter]

Re: Pezman's Diary

Hi Guys, letter received as above. Paracrap also state loan now at £20,270.09p. Should be £1600. Interest being charged is 18.330% with £31.80 arrears. They are totally ignoring my letter and requests for information. What are you thoughts on this. There should be so much information on this account from the year 2000 when they wrote to me most weeks, they also corresponded with DMC Alexander Rose (now defunct)There will also be letters from them offering reduced payments and telephone records freezing interest. Any ideas what to do now, many thanks Pez

This lot are obviously completely nuts, and they are going to keep living in their own fairy tale world for as long as this alleged debt endures.

Obviously, they have no right to income and expenditure information, so that should be ignored.

It is now time for a complaint to be forwarded to the Information Commissioner's Office. They are utterly useless and are unlikely to take any action, but I take the position that any Financial Ombudsman Service adjudicator will expect you to have complained to the relevant authorities, and are more likely to take your case seriously if you do. This complaint is purely about their failure to comply with the Data Protection Act.

A formal complaint will also need to be sent to Paragoon, so that it can then be escalated to the FOS. This should include absolutely everything which is relevant, from non-compliance with the SAR through extortionate interest being added to charges being made where there is no contractual stipulation for them. The FOS are not prepared to consider the unenforceability issue, but this continues to work in the background ensuring that Paragoon will never be paid another penny unless they are prepared to risk a court claim.

They are just total idiots, and now need to be reported as such.

SH