AJ's UE Diary

[Ostrich]

Thanks for the replies. I had already requested via email, but have now sent a request via snail mail, as suggested.

However, I’m now getting calls from them (presumably regarding the email request). I don’t really want to talk to them. As I have now sent a posted request that shouldn’t need any follow up, I suppose I am safe to continue to avoid dialogue with them about this matter?

[Still Waving]

Spoke to Gerry today who was very helpful, as always.

Apologies if this is a daft question, but when requesting a SAR, should I be asking for response by post rather than email, or does it not matter?

Also, they ask why I am requesting the information... is there a more proper/polite way of saying "because I want it"?

Thanks

If you send a formal request via Royal Mail (with a record of posting), they can't be asking you daft questions, they are duty bound to provide your entire record with them.

You really shouldn't be speaking to them, and ideally corresponding via snail mail rather than email.

[The Tech Clerk]

Just request DSAR no need to tell them anything, should come back in paper form, do not accept email downloads.

[Ostrich]

Spoke to Gerry today who was very helpful, as always.

Apologies if this is a daft question, but when requesting a SAR, should I be asking for response by post rather than email, or does it not matter?

Also, they ask why I am requesting the information... is there a more proper/polite way of saying "because I want it"?

Thanks

[Colin G Quinn]

Hi,

I have received your email. There are definitely defences to this. We'll try and contact you tomorrow.

[Colin G Quinn]

Hi,

Happy to take a look at the letter if you want to email me a copy. My email address is below.

Do you recall how long the original loan term was?

I wouldn't immediately rush to send a CCA request. Given the balance it is unlikely to prevent them issuing a claim and more likely to assist them, rather than you.

If you have any of the original account documents email them to me also so we can check for regulatory compliance.

[Roger]

Letter of claim received. This is the biggest and based on date of opening likely to be enforceable… NWest still own this account. Got 30 days to respond, but I think this is going to be a tricky one!

Feel I should ask for CCA on this, but I’ve not read many accounts of people being issued where the account is still owned by bank.

Contact

Colin G Quinn

[Ostrich]

Type of account – Natwest Loan
Date commenced - 2019
Approx balance - £17,000
Date last paid – Feb 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - Natwest.

Dec '21 - Default notice
Monthly statements since.
Mar ‘22 - letter to say Dryd£n Ffax now looking after account
April 22 - First contact from DF. Letter of Claim

Letter of claim received. This is the biggest and based on date of opening likely to be enforceable… NWest still own this account. Got 30 days to respond, but I think this is going to be a tricky one!

Feel I should ask for CCA on this, but I’ve not read many accounts of people being issued where the account is still owned by bank.

[Roger]

Thanks for the reply, Roger. Sorry if I’m asking the same sorts of questions!

I guess I’m more surprised/confused as NWest haven’t sold this debt (if they have I haven’t been told, which could be good) and in the diaries I have read the legal process has been started by a debt purchaser rather than the bank the alleged debt it owed to.

I will sit on my hands… they’ll be numb by the end of this process ?

Advice has changed over dealing with Letter's Before Claim (LBC) tactics become important and we are very lucky to have this offer over initial advice for FREE.
Good Diaries make for good decisions. Hence maintaining and updating Diaries.
When and or if you are sent a LBC contact Colin G Quinn
In the meantime have a look at your Diary and paper work and perhaps bring entries up to Date

[Ostrich]

Thanks for the reply, Roger. Sorry if I’m asking the same sorts of questions!

I guess I’m more surprised/confused as NWest haven’t sold this debt (if they have I haven’t been told, which could be good) and in the diaries I have read the legal process has been started by a debt purchaser rather than the bank the alleged debt it owed to.

I will sit on my hands… they’ll be numb by the end of this process!

[Roger]

I’ve had letters today from NWest saying they are passing my accounts (2 of the 3 NW ones) to Dryden Fairfax with a view to issuing legal proceedings to reclaim the owed balance.

Perhaps naively, I’ve always assumed the account would be sold before such action would take place.Has anyone else had similar experiences with this sort of thing? I understand DF are DCA’s as well as solicitors, so hoping it’s just an attempt to get me to engage.

I seem to be getting considerably more threatening letters lately!

Advice/ thoughts much appreciated

Again file and see what they do next!
Dryden Fairfax would have to issue a Letter Before Claim (LBC) before issuing a Claim. That LBC would be the opportunity moment to talk to Colin G Quinn because tactics here are important.

[Ostrich]

I’ve had letters today from NWest saying they are passing my accounts (2 of the 3 NW ones) to Dryden Fairfax with a view to issuing legal proceedings to reclaim the owed balance.

Perhaps naively, I’ve always assumed the account would be sold before such action would take place.Has anyone else had similar experiences with this sort of thing? I understand DF are DCA’s as well as solicitors, so hoping it’s just an attempt to get me to engage.

I seem to be getting considerably more threatening letters lately!

Advice/ thoughts much appreciated

[Roger]

Letter from Link telling me to arrange payment plan or they WILL pass to Kearns solicitors, who MAY issue proceedings. Is this a case of file and see what they do next?

Yes file and see what they do next!
Kearns would have to issue a Letter Before Claim (LBC) before issuing a Claim. That LBC would be the opportunity moment to talk to Colin G Quinn because tactics here are important.

[Ostrich]

Type of account – Lloyds Credit Card
Date commenced - 2017
Approx balance - £4,000
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - L1nk.
May '21 Default notice
Aug '21 - LC Asset2 letter advising Llodys have assigned my account to them
Jan '21 - Letter from L1nk - Statement of account
Feb '22 - L1nk - Please get in touch letter. Ignored

Letter from Link telling me to arrange payment plan or they WILL pass to K£arns solicitors, who MAY issue proceedings. Is this a case of file and see what they do next?

[Still Waving]

Claim form received... Far quicker than I hoped or expected. Trying to stay calm, but this is the first of potentially many, I guess.

Will contact JLC to see what the best next step may be in the morning.

You'll be in good hands.