Pezman's Diary

[pezman65]

Re: Pezman's Diary

You want them to default you so just wait for them to send the default notice.



Can you not write back to ICO saying that you haven't received everything?

Hi Pixie, I have phoned ICO and spoken to the case worker, I have also sent him a copy of the letter I sent to Paracrap when I informed them that they are still short of letters and info dating back to 2000, they have just stated they have nothing more on file. ICO state they can do no more if Paracrap have nothing more to send. Not sure what to do now, I will wait for the default to come, thanks Pez

[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.
01.12.12 Sent doorstep letter template.
16.02.13 Letter from RMA headed "30 DAY NOTICE" This situation is unacceptable and cannot be allowed to continue.contact the office or they will pass back to BC and recomend they investigate legal action. Again no mention of my CCA request.
18.02.13 sent unforcebility letter
21.02.13 Received letter from BC stating account passed to Mackenzie Hall and a request to contact, also, if I dont call them they will call me.

27.06.13 Hi Guys, just an update, Letter received from Barcrap with hand written CCA and very faint T&C. Sent to Niddy. Cheers Pez

[ken100464]

Re: Pezman's Diary

27.06.13 Hi Guys, just an update, Letter received from Barcrap with hand written CCA and very faint T&C. Sent to Niddy. Cheers Pez

Thats just tickled me sorry to say.

The vision of someone at Barclays doing a free hand CCA including any lines or boxes. Be even better if it was in different colour crayons.

Can just see the manager asking the first day new office junior to send out a reconstituted agreement to Pez. Just forgot to tell them to cut and paste it. Do you reckon Niddy would spot one like that?????

But seriously know what you meant. Good luck.

[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.

Hi Guys, just received a default notice served under sec 87(1) of the CCA74. Do I need to send any response or just wait, thanks Pez

[Susie]

Re: Pezman's Diary

Just file safely, at least now they may stop the interest!!

[helmsman]

Re: Pezman's Diary

Just file safely, at least now they may stop the interest!!

Don't forget to keep the envelope as well

[pezman65]

Re: Pezman's Diary

Just file safely, at least now they may stop the interest!!

Many thanks, will do

[pezman65]

Re: Pezman's Diary

Don't forget to keep the envelope as well

It is safe and secure, cheers, 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
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.

Hi Guys, having received a default notice on 28.06.13 (see above) I have now received a default sums notice for £10 on 15th June and £10 on 26th June, they also state this is NOT a default notice as required by sec 87(1) of the CCA 1974. (Sorry I thought that was sent on the 28th) Any one have any ideas what I should do now, thanks Pez

[Enforcer]

Re: Pezman's Diary

Got me, hopefully someone with more knowledge will come along.

[SXGuy]

Re: Pezman's Diary

Default sums notice, is just a notice to inform you that you missed an agreed repayment, its not an actual Default Notice.

[pezman65]

Re: Pezman's Diary

Default sums notice, is just a notice to inform you that you missed an agreed repayment, its not an actual Default Notice.

Hi SXGuy, I got the actual Default Notice on the 28th June, these two came after it. see post No 259, cheers Pez

[SXGuy]

Re: Pezman's Diary

I understand, im just saying what they are.

Seems to me that they havent terminated the agreement yet, and thats why you have had default sums notices after a Default Notice.

[pezman65]

Re: Pezman's Diary

I understand, im just saying what they are.

Seems to me that they havent terminated the agreement yet, and thats why you have had default sums notices after a Default Notice.

Oh OK, do I need to respond or just sit tight, thanks Pez

[Never-In-Doubt]

Re: Pezman's Diary

You can ignore those type of letters for now