Pezman's Diary

[vint1954]

Re: Pezman's Diary

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.

Hi Guys, I have just been reading through Pauls blog and subsequest comments from others. Given the account above should I be writing to Paracrap and letting them know why I consider this account to be in dispute. At the moment I am just sending template letters re CCA and SAR info not been provided, I have also sent a letter to ICO re this. Should I let them know again that we had an agreement in 2000 to freeze interest and that the dispute is over how much I owe them not that I dont owe them anything. Just felt that if this does go to court the judge may not be happy that I have not pointed out to them what my dispute is about. What are you thoughts?, maybe others may benefit from doing this is you think is an option, cheers Pezman

For this one, if you have received reconstructed document, I would be sending this one:

http://www.all-about-debt.co.uk/temp...lity/s2-t4.php

Check it through before sending that it refers to the documents that they have supplied

[vint1954]

Re: Pezman's Diary

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. Hi Guys, another letter recieved from Paracrap stating the arrears have increased and they are now £42.40, they have also charged £10 to tell me this. They ask me to please call to discuss options. Do I need a response, perhaps a letter refering them to my previouse letter? what you think, many thanks Pez

I don't think this one needs a response 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.
18.2.12 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"

Hi Guys, Happy new year: Just a quicky, I have received an income and exp form from Paracrap requeting me to complete. Do I just ignore it, Cheers Pez

[MrsD]

Re: Pezman's Diary

i would file it away very carefully, not very communative this mob are they?

[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.

Hi Guys, two letters have been received one on 31st Dec and one today re the above account. CS have asked for conformation that I have requested a CCA as they have no record of this, they acknowledge this may have been sent to their client but they want details. The other is from Power 2 Conect stating they have been instructed to visit my address to discuss payment, I have sent doorstep visit template already to CS shall I send one to them as well. Any suggestions would be helpfull, many thanks Pez

[MrsD]

Re: Pezman's Diary

I would send a one liner to CS referring them to your sold in dispute, as it says quite plainly on there when and to whom you sent the CCA.

send the doorstep to PtC, load of numpties and they probably won't turn up, but if you're worried about telling them to piss off if they do turn up, send the letter

[pezman65]

Re: Pezman's Diary

I would send a one liner to CS referring them to your sold in dispute, as it says quite plainly on there when and to whom you sent the CCA.

send the doorstep to PtC, load of numpties and they probably won't turn up, but if you're worried about telling them to piss off if they do turn up, send the letter

Many thanks MrsD, this did make me sit up a bit as I had sent the doorstep letter last year, wow! last year, that seams a long time ago now. All the best and thanks again,Pezman

[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.

Hi Guys, just a quick question, in the letter from CS the state:

"You are not correct in your assertion that under OFT rules we can only call at your home if you agree to make an appointtment. In law a creditor is in a different position to a postman or member of the public and we do have a right to call to discuss this loan"

Just wondered if anyone know what the real position is, many thanks Pez

[SaltnVinegar]

Re: Pezman's Diary

Hi Guys, just a quick question, in the letter from CS the state:

"You are not correct in your assertion that under OFT rules we can only call at your home if you agree to make an appointtment. In law a creditor is in a different position to a postman or member of the public and we do have a right to call to discuss this loan"

Just wondered if anyone know what the real position is, many thanks Pez

They are talking complete ballhooks. I bet they don't quote which law states that a creditor has a right to turn up at your home to discuss payment - ask yourself why!

[SaltnVinegar]

Re: Pezman's Diary

I'd be tempted to also write to them thanking them for their previous letter which clearly misrepresents their legal position, which is, in itself, a breach of OFT guidelines on debt collection and that you will be reporting their conduct forthwith.

[pezman65]

Re: Pezman's Diary

I'd be tempted to also write to them thanking them for their previous letter which clearly misrepresents their legal position, which is, in itself, a breach of OFT guidelines on debt collection and that you will be reporting their conduct forthwith.

Thanks SnV, I will get this off tomorrow. I have managed to find the approprite part of the OFT guidelines which state "It is acceptable for debt collectors to visit debtors' homes only if the debtor has agreed or requested a visit" many thanks 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
21.12.13 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".

Hi Guys, Letter from Paracrap stating "You have not completed your I&E form, please do so within 7 days or phone us, they have again charged £10 for the letter. They seem to totally ignore my letters and just keep sending out these requests, any suggestions on a response. They are refusing to discuss my CCA and my SAR request stating they have sent it three times and fullfilled their obligation. I have not yet received a reply from the ICO other than an acknowledgement of my letter and stateing they will be in touch asap. Cheers Pez

[SaltnVinegar]

Re: Pezman's Diary

Hi Guys, Letter from Paracrap stating "You have not completed your I&E form, please do so within 7 days or phone us, they have again charged £10 for the letter. They seem to totally ignore my letters and just keep sending out these requests, any suggestions on a response. They are refusing to discuss my CCA and my SAR request stating they have sent it three times and fullfilled their obligation. I have not yet received a reply from the ICO other than an acknowledgement of my letter and stateing they will be in touch asap. Cheers Pez

I'd be tempted to write back stating they have done nothing to address your letters of xx/xx/xxxx other than to respond with pointless template letters, and that due to the substantial time you have wasted in writing to them, only to ignore you, that each letter requiring your response, which does nothing to address the initial points raised, will incur a charge of £20.........

[pezman65]

Re: Pezman's Diary

I'd be tempted to write back stating they have done nothing to address your letters of xx/xx/xxxx other than to respond with pointless template letters, and that due to the substantial time you have wasted in writing to them, only to ignore you, that each letter requiring your response, which does nothing to address the initial points raised, will incur a charge of £20.........

Thats sounds a good way to go S&V, will get that off on Monday, many thanks Pez

[vint1954]

Re: Pezman's Diary

Hi Guys, Letter from Paracrap stating "You have not completed your I&E form, please do so within 7 days or phone us, they have again charged £10 for the letter. They seem to totally ignore my letters and just keep sending out these requests, any suggestions on a response. They are refusing to discuss my CCA and my SAR request stating they have sent it three times and fullfilled their obligation. I have not yet received a reply from the ICO other than an acknowledgement of my letter and stateing they will be in touch asap. Cheers Pez

I would ignore the muppets until they write something sensible