time to sort this mess out

[alland]

Re: time to sort this mess out

Finally had a reply from Cabot on both of the cca requests saying that they have requested the documents and that they are aware of the 12 days but have said it may take Up to 40 days. The strange thing is on the 2 letters it says where the debt was originally from ie lloyds and Halifax but both have the same refernce number and account details?

Cabot bought three of my alleged card accounts and tried to lump all three together as one account ref.no. and total claimed ...I insisted that they had bought three separate accounts and all in dispute at the time of purchase, Cabot then spilt the alleged accounts and I now receive correspondence for each individual account and they carry different ref. numbers.

Dont be bullied into letting them lump both together, each account must have its own individual CCA.

Good luck

[Jaffacake]

Re: time to sort this mess out

Finally had a reply from Cabot on both of the cca requests saying that they have requested the documents and that they are aware of the 12 days but have said it may take Up to 40 days. The strange thing is on the 2 letters it says where the debt was originally from ie lloyds and Halifax but both have the same refernce number and account details?

[Jaffacake]

Re: time to sort this mess out

nothing much has happened over the last week just a reply from PRA Group about my over draft cca, none of my others have even bothered to reply to my other cca requests.

[Digby]

Re: time to sort this mess out

Hi Jaffacake, and welcome.

I'm fairly new to the forum and it's fast becoming my favourite place to be! Letters arrive, I panic, I come on here and within hours I get the knowledge, experience and reassurance of this lot - it's a lifesaver.

[nightwatch]

Re: time to sort this mess out

Lloyds often have problems finding paperwork, it took them years to finally admit they couldn't find hubby's CCA,

[Spud]

Re: time to sort this mess out

Hi all just after a little advice regarding paper work, as I don't have much in the sense of original documents is it worth sending sar requests?

SAR requests have their place and time but I wouldn't recommend you do them just yet. Sometimes the correct timing of an SAR request can be helpful.

See what you get back from your CCA requests first

When I said about old documents, I didn't mean tear the house apart, just a check of those places you squirrel away your documents etc. Don't worry too much about them

First step is getting your CCA replys back

[Spud]

Re: time to sort this mess out

it states that they requested information from Lloyds but Lloyds were having issues locating my account.

What a shame......I am very sorry to hear that

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – lloyds TSB CC
Date Commenced - 1999
Approx Balance - 2928
Date last paid - ?
Arrangement or not paying – DMP
Status – default 2008
Account owner – Cabot

03/03/16 – CCA request sent
04/03/16 – CCA request signed for

After sorting through paper work I have found a letter from a ppi company that was working on behalf of the dmp I was with, it states that they requested information from Lloyds but Lloyds were having issues locating my account.

[Jaffacake]

Re: time to sort this mess out

Hi all just after a little advice regarding paper work, as I don't have much in the sense of original documents is it worth sending sar requests?

[mike'y]

Re: time to sort this mess out

Hi Jaffacake and welcome to this forum. You really have arrived at the best place to find help, advice and friendly people. They're real fighters on here.:-)

[Spud]

Re: time to sort this mess out

No probs

Just keep what you have and try to find if there are any others that you may have, Even if its just old statements etc

A Tesco say....Every little helps

[Jaffacake]

Re: time to sort this mess out

Hi spud I only have one original statement from 2008 for littlewoods and the letter from court for the ccj, when I split from the ex she decided all my stuff needed burning and would rack up the bills in my name but that was over 10years ago. The only other letters I have are from when the creditors debt collectors tracked me down.

[Spud]

Re: time to sort this mess out

There is a lot of work there Jaffa

Do you still have any of the old paperwork for any of these accounts at all....Now is the time to rummage through the back of "that" drawer in the kitchen.....I know you have one....We all do

You can get copies but the original is always best and can sometimes be the "jewel" that wins the day

Looking forward to when ( IF) you receive your CCA replies.....

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – lloyds tsb loan
Date Commenced - 2004
Approx Balance - 1874
Date last paid - ?
Arrangement or not paying – DMP
Status – Defaulted 2008
Account owner – PRA Group

25/02/16 – full and final settlement of20% sent
09/03/16 – offer rejected offered 20%discount
11/03/16 – CCA request sent
14/03/16 – CCA request signed for

18/03/16 - letter received from PRA group acknowledging cca request, they have requested the relevant documents and suspended collection on account until further notice- they have also returned the £1 postal order.

[Jaffacake]

Re: time to sort this mess out

TYPE OF ACCOUNT – HFC Bank plc
Date Commenced - ?
Approx Balance - 759
Date last paid - ?
Arrangement or not paying – DMP
Status – ?
Account owner – Idem servicing

26/02/16 – full and final settlementsent
07/03/16 – offer rejected wanting meto fill out a financial statement
11/03/16 – CCA Request sent
14/03/16 – CCA request received
17/03/16 – letter received sayingthey will provide info in 12 working days.
21/03/16- Letter received acknowledging request for documents they have forwarded it to HFC Bank PLC(letter dated 17/03/16)
01/04/16 - Letter received stating that they are unable to supply a copy of the agreement or statements and acknowledge that it cant be enforced.
28/04/16 - letter received stating documents issued under section 87(1) of the consumer credit act 1974 in relation to my account. And a default notice on the other side of the letter.