Pezman's Diary

[Deepie]

Re: Pezman's Diary

I really dont think Pez sent anything for this wrong CCA.

I think another account has got mixed in there when reading the thread. And this is the account that he sent the MPT to.

I think this wrong CCA has had nothing sent since he recieved it. Might be wrong but thats how I am reading this thread from 213 onwards.

I think you're right ken........ I'm just looking into it...

[pezman65]

Re: Pezman's Diary

I really dont think Pez sent anything for this wrong CCA.

I think another account has got mixed in there when reading the thread. And this is the account that he sent the MPT to.

I think this wrong CCA has had nothing sent since he recieved it. Might be wrong but thats how I am reading this thread from 213 onwards.

Hi Ken, yes that's right, they have sent me someone else CCA with all their private info. I have sent nothing back since, Niddy was looking into it but they have sent another letter since then. Post 213 gives the info, many thanks Pez

[Never-In-Doubt]

Re: Pezman's Diary

Hiya

You already have a letter confirming they cannot find the agreement don't you? The fact they send another persons info is irrelevant in all but arguing their ineptness as it was only one persons details, ie the ICO will literally say that was bad and nothing much more - as per usual.

Point is, you can either ignore them or copy the letter that confirms they cannot locate the agreement and sent it with the appropriate template (letter previously confirming no CCA)...

[Never-In-Doubt]

Re: Pezman's Diary

with Crapbot (07.12.12) was to say they did not have CCA. They have now (22.04.13)sent someone else recon agreement with all personal details inc address, employment and signatures. Any suggestions what to do next, I sure this can not be legal to disclose this personal info to a stranger?, Cheers Pez

Ok regards this, they first state they cannot locate the agreement then they send you someone elses - I will sort a response in morning for you....

Sorry slight confusion

[pezman65]

Re: Pezman's Diary

Ok regards this, they first state they cannot locate the agreement then they send you someone elses - I will sort a response in morning for you....

Sorry slight confusion

Hi Niddy, yea sorry, got my posts a bit mixed up, cheers Pez

[Never-In-Doubt]

Re: Pezman's Diary

Hi Guys, just wondered what you think of this. Last contact with Crapbot (07.12.12) was to say they did not have CCA. They have now (22.04.13)sent someone else recon agreement with all personal details inc address, employment and signatures. Any suggestions what to do next, I sure this can not be legal to disclose this personal info to a stranger?, Cheers Pez

Morning

Ok, send this back to cabot with a copy of their letter dated 07/12/12:

Dear Sirs,

Ref: xxxxxxxx

I write with reference to previous correspondence regards the above numbered account.

Please find attached a copy of your letter from last December confirming that you cannot locate an agreement, as such this account is unenforceable.

Until such time you provide me the necessary and required documentation as originally requested within my CCA Request then no further communication will take place from my end.

Please cease herewith all letters and calls and return this account to the original creditor or provide me with a copy of the alleged agreement that you'd rely on whilst chasing this account.

Yours faithfully,



Sign Digitally

[pezman65]

Re: Pezman's Diary

Morning

Ok, send this back to cabot with a copy of their letter dated 07/12/12:

Dear Sirs,

Ref: xxxxxxxx

I write with reference to previous correspondence regards the above numbered account.

Please find attached a copy of your letter from last December confirming that you cannot locate an agreement, as such this account is unenforceable.

Until such time you provide me the necessary and required documentation as originally requested within my CCA Request then no further communication will take place from my end.

Please cease herewith all letters and calls and return this account to the original creditor or provide me with a copy of the alleged agreement that you'd rely on whilst chasing this account.

Yours faithfully,



Sign Digitally

Thanks Niddy, thats great, do I also send a copy of the other persons CCA or shall I just ignore that for now, cheers Pez

[Never-In-Doubt]

Re: Pezman's Diary

No you totally ignore that for now - hence I never mentioned it

[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.See 14.09.12
02.05.13 Another letter from Power 2 Contact " Formal notice of intended visit" they have been instructed to visit.

Hi Guys, another letter from Power2contact, they state "FORMAL NOTICE OF INTENDED VISIT" They write to inform me that they have been instructed to visit to do a financial evaluation and discuss appropriate arrangement for repayment. They wrote earlier this year and I sent appropriate letter, do I send another or refer them to the last one, many thanks Pez

[Pixie]

Re: Pezman's Diary

I think I'd just ignore them...it's not very likely that they'll visit.

If they do just tell them to go forth and multiply!

[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.

This account is now being sold to Arrow Global, Do I wait for next contact from AG?, cheers Pez

[MrsD]

Re: Pezman's Diary

I'd wait until they contact you then pop off a sid

[ken100464]

Re: Pezman's Diary

This account could be interesting as its the first one I have seen being sold to AG since their new fangled computer project with Experian went live in April.

If there is any truth in what they were spouting off this account should end up with one of the hounds you already have.

If it doesnt then the project isnt up to much yet or AG dont have much faith in the hounds already in your life.

[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)
13.05.13 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. Please contact to arrange payment.

Hi Guys, letter from Paracrap as above, they have also asked for any copy of letters I may have that will help them investigate further. I do have some letters from back then relating to an agreement they gave me not to add arrears to the account if I sign a new DD, for the new agreed amount, should I send a copy or sit tight, thanks 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?.

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