liandconsmum's UE Diary

[SXGuy]

Re: liandconsmum's UE Diary

I wouldnt do another CCA request, you did one, they failed to comply, its unenforceable, end of.

Anyone else they throw it at should get a template letter account sold whilst in dispute.

[liandconsmum]

Re: liandconsmum's UE Diary

Okay. After rereading my info on Halifax, as they have been switching this account all over and then ignoring it for months, then switching it again, I find that it's been ages since they've actually addressed the CCA issue. (we won't even discuss the DN problems as they are pretty bad, too)

Would it be prudent at this point to do another CCA request? Or would the SAR be more helpful? I cannot help but think this is going to continue to go around and around, and I suspect at some point they will try to drag it into court, and I want the SAR to use if need be. There are some ridiculous things going on with this account.

[liandconsmum]

Re: liandconsmum's UE Diary

Updates:

Tesco - Well, it's now 19 days since I sent the form back with the "signature" on it. No response at all. WELL past the 14 days they were given initially to rectify the mistake of putting the £10 for the SAR on the account as a payment in error, and certainly long overdue to receive our SAR. I suspect it is now time to start making complaints. I may send one more letter stating I returned the signature form and they have had ample time to correct their errors and send the SAR... maybe give them 10 days to sort it all out and send me paperwork showing the payment is no longer on the account as well as sending the SAR. And then start firing off complaints.. sigh... what a pain.

Santander - Nothing from them or DCA since I sent back that zero balance letter. No news is good news.

Halifax - Letter from new DCA Blair Oliver and Scott asking us to ring to discuss a reduced payment arrangement. I will have to review this account, as all I can remember is it was UE and there were some glaring errors, but I can't remember what.

The account we are paying £10 per month on with Experto Credite has been bought by another company, however, they state they are happy to continue this payment arrangement, so business as usual with them.

[SXGuy]

Re: liandconsmum's UE Diary

Joke shop vanishing ink, if it only fades after a week or two.

Now if only we could some how swap the DCA's ink with that stuff, make it last around 2 to 3 weeks.

Watch the info on the recon suddenly fade away.

"Agreement? what agreement?" lol

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

Are you going to sign it in green crayon?

Oh, the temptation. I'm going to have a quick think to see what the most creative (and annoying) would be.

Joke shop vanishing ink, if it only fades after a week or two.

[liandconsmum]

Re: liandconsmum's UE Diary

Alrighty then. I have signed the form myself. Our handwriting is completely different, so it'll be interesting to see what they do now.

[liandconsmum]

Re: liandconsmum's UE Diary

Are you going to sign it in green crayon?

Oh, the temptation. I'm going to have a quick think to see what the most creative (and annoying) would be. I am most curious as to what they will provide (if anything) for SAR, as two years ago when we talked to them on the phone regarding the PPI, we were told they were unable to locate the original paperwork on it.

The whole situation is quite a mess, as this is a second loan from them which is a partial rollover loan from a first one, and I suspect we got charged more than we should have regarding the PPI, as they rolled the charges from the first loan into the second. I need the full paperwork from both to sort it out.

God, but they are obstructive! grrrr

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

That's it. I am going to send it in with ME signing his name (it's in his name only) and my handwriting is miles different than his!

Every little helps!

verylittlehelps.com
Tesco - every little helps - anagrams

They are driving me bonkers.

Are you going to sign it in green crayon?

[liandconsmum]

Re: liandconsmum's UE Diary

Oh... dear... lord... give me strength!!!!

Tesco have replied.

"To ensure we are releasing the account information to the correct party we need to verify your identity so please return a copy of this letter containing a copy of your signature or alternatively could you call us directly on xxxxxxx so we can confirm security."

Well, let's see. They've been told REPEATEDLY that we don't want communication by phone (due to DH's mental health and the stress involved). So that leaves the signature... again...

When we initially asked for the CCA in 2010, they faffed about for over 8 months demanding a signature, then suddenly coughed up a CCA (without us giving them the signature) that was incorrect (had wrong monetary amounts on it).. then when we initially sent the request for SAR, they demanded signature, then ignored us when we continued to request it.. now they're demanding signature again.

sob sob sob

That's it. I am going to send it in with ME signing his name (it's in his name only) and my handwriting is miles different than his! They are driving me bonkers.

[liandconsmum]

Re: liandconsmum's UE Diary

Received a "your instalment plan is up for review" regarding our Virgin account from the DCA (we are paying £10 per month). I've just sent a letter stating that our circumstances have not changed financially, so we are unable to change the payment amount and will continue to pay the £10 per month as previously agreed.

On a side note, we finally received the rest of the SAR from MBNA, so we will be going over it and sending off the PPI reimbursement request from this (hopefully this week).

[liandconsmum]

Re: liandconsmum's UE Diary

Okay. I will do that. Thank you.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

It's been fairly quiet here. Only curious thing is a statement from Tesco loan, which shows a £10 "one off payment received" from the balance in August 2011. This would be the £10 we sent for the SAR, which we STILL haven't received. So I'll be sending them ANOTHER letter asking what precisely the hold up is.

I have a suspicion there's some issue in finding the paperwork, as when we queried the PPI 2 years ago, they couldn't locate it then.

Hmmm, this also affects SB so they have messed up, you ought to send a copy of the SAR and a copy of the statement confirming the payment was added to the account and literally remind them that they are in direct breach of OFT Guidelines and ICO Guidelines and unless they immediately remove the £10 payment and allocate it towards the SAR and deal with the SAR then you'll complain to the regulators.

Give them 14 days to respond.

Keep us updated and remember to PM me and nudge me after 14 days as you'll then have follow-up action to deal with

[liandconsmum]

Re: liandconsmum's UE Diary

It's been fairly quiet here. Only curious thing is a statement from Tesco loan, which shows a £10 "one off payment received" from the balance in August 2011. This would be the £10 we sent for the SAR, which we STILL haven't received. So I'll be sending them ANOTHER letter asking what precisely the hold up is.

I have a suspicion there's some issue in finding the paperwork, as when we queried the PPI 2 years ago, they couldn't locate it then.

[Never-In-Doubt]

Re: liandconsmum's UE Diary

No responses necessary here

[liandconsmum]

Re: liandconsmum's UE Diary

Nothing new re the Santander account. Apparently they are still thinking about it.

Tesco has sent us an "excellent opportunity" ... if we pay £5K up front, they'll wipe out the rest of the debt. Or if we pay almost £2K per month over the next 3 months, they'll clear out the rest. Otherwise they may sell the debt to a DCA.

We, of course, are still waiting for a complete and correct CCA, as well as the SAR we requested and paid for. It seems that Wescot is no longer involved, as the letter was directly from Tesco Bank. hmmmmmmm