New and confused

[samsmum]

Re: New and confused

CO-OP LOAN
11/2002
£4900
04/2003
Not paying
arrears
Payments to CO-OP
26/9/11 Termination letter received. Advised to ignore
12/10/11 Account being passed to specialist collections. May default, pass to solicitors etc etc. may negotiate F&f.
13/10/11 CCA request sent
13/10/11 SAR sent
31/10/2011..CCA received Niddy says
03/11/2011..CCA Query Missing prescribed terms
16/11/11..Letter received saying they know i live here and assume i am deliberately avoiding them. Ring to make arrangement or will be passed on for immediate recovery action
16/11/11.. ''SPECIAL OFFER'' letter received offering 50% discount if paid within 10 days

Updated

[samsmum]

Re: New and confused

LOAN
09/2005
£3200
06/2009
PAYING
ARREARS
LOCAL LENDER(RATHER NOT NAME)
21/10/2011.. CCA request sent
25/10/2011.. text received saying someones sent in a letter in your name??
01/11/2011..Hubby 'bumped into' collector,said there was no pressure could pay £20 per week and where did we get CCA letter from. We could just ignore it and carry on paying.
16/11/2011.. text saying''hi how are you? Did you get sorted?

Updated

[samsmum]

Re: New and confused

Updated

Just a thought on this. Had ppi of £1,188 added to this. Can we reclaim anything?

[PlanB]

Re: New and confused

Ignore both because

If you're wondering why I'm answering like this, see the last couple of pages of discussion on this thread

Thank you for your informative post Pixie. But somehow I think you're taking the piss out of me young lady

[Pixie]

Re: New and confused

Just a thought on this. Had ppi of £1,188 added to this. Can we reclaim anything?

Probably. Have a look at the ppi reclaim board or perhaps send a PM to Di30 - she's very good on ppi reclaims.

I'm sorry but I don't know anything about reclaiming as I never had ppi in the first place.

Thank you for your informative post Pixie. But somehow I think you're taking the piss out of me young lady

Would I?

Maybe I was taking the piss out of Paul..or Garlok

[samsmum]

Re: New and confused

PAYDAY LOAN
07/2011
£420
DUE ON FRI 09/09/2011
25/09/2011..First Notice letter received
19/10/2011..Second Notice letter received
17/11/201..E mail received. Tells me i'm a valued customer and they want to help. 26 days to pay or they will consider further action. Cant renew my loan until sorted???

Updated

[Pixie]

Re: New and confused

I'd ignore - though I don't know much anything about payday loans.

[samsmum]

Re: New and confused

Sorry. Feeling swamped and totally out of my depth this week. Just received SAR back from Co op. Literally thousands of pages so not sure what needs to be be seen. Know its all in hand but just feel a bit lost cos got a few things all happening at once. Sorry and HELP please

[Henryhatter]

Re: New and confused

Hi I know how you feel and it can feel overwhelming at times. Hang in there someone will be along to help. Thought I should bump this for you as I see you have posted about a few things.

[garlok]

Re: New and confused

Hi samsmum,

Have to go out now. Will try and look in later. But don't panic please. sit tight until help comes.

regards
Garlok

[samsmum]

Re: New and confused

Thanks guys. Just havin a bit of blonde week(even tho i'm not). Find out if i need another op tomorrow as well which could be another 5 months off work so just need a bit of help to get my head straight. Cheers

[garlok]

Re: New and confused

Hi samsmum,

Firstly this payday loan thing, is not Niddy looking into this for you as he knows the company you don't wish to reveal on here which is understandable? Was there not some issue of them stepping out of line by talking with your OH in the street? He will still be watching the thread and will be along with the next move.

Secondly the Co-Op thing. You have received a SAR response yes? Thsi has turned out to be a wad of paper which is what they usually are. I have not read all the way back but is not the agreement UE anyway?

So in dealing with the SAR package, they usually contain 6 years worth of statements. Isolate those and put them into some chronological order. Then look at the correspondence, screen dump notes, internal memos e-mails and the like. Check everything aginst your own memory and correpondence you hold for anomalies and contradictions, errors etc. and make a few notes. All banks tell lies, part fo the mantra.

Look at the statements carefully for penalty chrages and late payment chrages normally about £12 a pop. These can be reclaimed noprmally with 8% statutory interest without too much hassle. There have been very successful claims of compound interest at their current contractual rate in the past but you may to fight for that through a court action. (I don't recommend that). However be aware that there is some contention in reclaiming those charges when looking at UE and Satutue Barring as there is a school of thought that says that the clock would be restarted at the claim date and that you are in fact acknowledging the debt, weakening any UE defence you might use in the future.

Niddy will provide the best guidance on this.

So don't panic and the very ebst of luck for tomorrow.

regards
Garlok

[samsmum]

Re: New and confused

Yep that's right about the local firm. Heard nothing back about the CCA request, just the text yesterday.

I'll get onto sorting through the Co op forest as best i can and wait to hear from Niddy as you say. He's also gonna draft me a letter for Reliable Collections regarding my'' unacceptable conduct which will not be tolerated''. Both this and the Co op are ue as you say.

Thank you for taking the time to reassure me. Really appreciate it

[garlok]

Re: New and confused

No problem samsmum---- hang in there gal!

regards
Garlok

[samsmum]

Re: New and confused

Will do. The forest is now a small wood cos two thirds of are for accounts that have been paid off already. Thanks again