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.
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 Letter received from Barcrap with hand written CCA and very faint T&C.
04.07.13 Sent to Niddy to check.

Hi Niddy, have you had the chance to check on the CCA, did I sent to the right place, thanks Pez

[pezman65]

Re: Pezman's Diary

Hi Guys, just had a letter today from a company called past due credit solutions. It is a final demand from their client CapQuest Group Ltd (Telecoms) asking for £153.84. I have been with Virgin for the past 15yrs and still have the same mobile I have had for a similar time. I have no idea what this is about. They quote a client reference number and a case number but do not say what it is for or give any info at all. Has anyone heard of them, thanks Pezman

[Never-In-Doubt]

Re: Pezman's Diary

Give them a call Monday and ask....

[Never-In-Doubt]

Re: Pezman's Diary

Hi Niddy, have you had the chance to check on the CCA, did I sent to the right place, thanks Pez

Replied via PM due to email issues

[pezman65]

Re: Pezman's Diary

Replied via PM due to email issues

Thanks Niddy, It would appear there are a few emails not getting through, I will contact Virgin on Monday, again many thanks an I am sorry if it caused you any inconvenience, cheers Pez

[Never-In-Doubt]

Re: Pezman's Diary

Well that might be part of it - I'm not emailing you at virgin!!! Unless shit-yonder is owned by them!

But yea, I replied to you several times as you seem in your PM's so the problem is your end receiving them. It could be anything but a free hotmail account works wonders

[SXGuy]

Re: Pezman's Diary

haha blue yonder, i think i still have an email address with them somewhere....

[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.
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.

Hi Guys, quite a turn of events from Paracrap. They have sent a letter and a statement dated from last year showing all the interest and charges they have made since 25.09.12, on 05.08.13 it is showing as £23,308.79p. Then on 15.08.13 they show a credit of £18,121.80 as an interest adjustment and the balance on 31.08.13 is now £5,121.80. They also show interest rate from 25.10.12 as 18.330% and as of 06.08.13 it is 0.000%. no explanation for this at all just a reduction in the balance and a request to contact to discuss. Would appreciate and comments or suggestions on how, or indeed if I need to respond, many thanks Pez

[pezman65]

Re: Pezman's Diary

Hi Guys, quite a turn of events from Paracrap. They have sent a letter and a statement dated from last year showing all the interest and charges they have made since 25.09.12, on 05.08.13 it is showing as £23,308.79p. Then on 15.08.13 they show a credit of £18,121.80 as an interest adjustment and the balance on 31.08.13 is now £5,121.80. They also show interest rate from 25.10.12 as 18.330% and as of 06.08.13 it is 0.000%. no explanation for this at all just a reduction in the balance and a request to contact to discuss. Would appreciate and comments or suggestions on how, or indeed if I need to respond, many thanks Pez

Hi Guys, just wondered if anyone had any thought on my post #278. cheers Pez

[MrsD]

Re: Pezman's Diary

personally, (and I'm jumping in here) I would dispute the ICO conclusion, it's plainly shyte!

[pezman65]

Re: Pezman's Diary

personally, (and I'm jumping in here) I would dispute the ICO conclusion, it's plainly shyte!

Hi Mrs D, I did dispute this with the ICO guy over the phone but they did not offer to do anything more. Just wondered if I should reply to Paracrap in any way or just wait for them to contact me again. It just seamed a strange turn of events that they reduced the amount they are requesting by £18,000 +. thanks Pez

[MrsD]

Re: Pezman's Diary

naughty Pezman

no talking on the phone to anyone

get an official complaint about that decision, some numpty is never going to admit they made a balls on the phone, they'll just get rid of you, in writing in writing

[pezman65]

Re: Pezman's Diary

Oops, soz, I should have know better, I still have the name of the guy I spoke to and the letter stating they made the decision not to do anything further eve though they felt Paracrap did not abide by the rules, Shall I do an official complaint?. should I send any response to Paracrap, cheers Pez

[MrsD]

Re: Pezman's Diary

get the official complaint away, they should inform capquest

[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 Letter received from Barcrap with hand written CCA and very faint T&C.
04.07.13 Sent to Niddy to check.
9.07.13 Niddy says its UE
30.07.13 Missing P&T sent to B,Card
12.09.13 Letter received from Barcrap, "we have looked into your complaint" etc etc - "you have no legal basis to contest" - "we have provided you with a true copy" - "this is our final findings so please make contact".

Hi Guys, just received a letter from Barcrap, very formal and quite strong stating they have looked into my complaint and they can find no legal basis to contest this. they then waffle on about true copies etc and have also sent me copies of statements back to 1998-2000. They finish by saying that Barcrap have not upheld your complaint and I can refer it to the FOS if I am not happy. Should I send the refusal to accept UE template? or anything else, thanks Pezman