dajomel UE Diary

[pompeyfaith]

Re: dajomel UE Diary

yup, enjoy the free time while you can, I had a whole year off lol.

[Never-In-Doubt]

Re: dajomel UE Diary

Funny thing is all the templates are going to get a major revamp shortly (using new case law) so I'd expect a lot more quiet spells in future

No holds barred templates for v.5!

[MustGetStraigh]

Re: dajomel UE Diary

Funny thing is all the templates are going to get a major revamp shortly (using new case law) so I'd expect a lot more quiet spells in future

No holds barred templates for v.5!

Oooooooooooooooooooh bring it on!

[dajomel]

Re: dajomel UE Diary

Funny thing is all the templates are going to get a major revamp shortly (using new case law) so I'd expect a lot more quiet spells in future

No holds barred templates for v.5!

Sounding good!! I Love the 'sound' of silence from the numpties!!!

[Never-In-Doubt]

Re: dajomel UE Diary

[dajomel]

Re: dajomel UE Diary

OK, so it's a new month and still nothing. I can't believe that they have lost total interest but at the same time I can't believe they haven't been in touch. Paragon are notorious!!! Fingers crossed folks!!

Anyway, here's to the free time and lack of hassle I've had for the past 4 months

[Never-In-Doubt]

Re: dajomel UE Diary

Excellent - enjoy the peace and quiet - keep us updated

[dajomel]

Re: dajomel UE Diary

Hi again folks. Apologies that I tend to flitter on here to update and then disappear but been so busy with work, keeping head above water, kids, illnesses etc etc Poor excuses I know but they're mine and I am sticking to them

Anyway, another month passes and another disappointing no show from Paragon. I am now tempted to investigate to see if the rioters looted their head office and took all the PC's so that they now have no idea who had loans/policies with them

I will continue to keep you updated with the boring no shows. 2yrs and 3 months (I think) more of this and they disappear from my credit file!!! WOO HOO!!!

I hope everyone is keeping well on here and having some joy with their own situations. Again, apologies for my lack of attendance at the moment and hope it doesn't deserve a

Chat soon

[Never-In-Doubt]

Re: dajomel UE Diary

Thanks for the updates.....

Keep in touch

[dajomel]

Re: dajomel UE Diary

Guess what everyone!!! Yes that's right it's that time of the month .... no NOT THAT TIME ... but the time where I tell you I am still feeling neglected.

Paragon still haven't got in touch. Not even a hint, little reminder or message in a bottle. I am now thinking that maybe they've all been abducted by aliens and being anal probed!!!!

Anyway, I am still happy plodding on and not hearing anything from the nasty little gits

I will, as always, keep you updated. Roll on June(ish) 2014 when the default comes off my file. Can really get on with my life and finally move

Take care everyone and good luck to you all with your cases

[Never-In-Doubt]

Re: dajomel UE Diary

Nice one - keep us updated

[dajomel]

Re: dajomel UE Diary

Cabot Financial(Originally Halifax Credit Card)

Credit Card taken Out: Pre 2002
Current Balance: £6031.85
Full Payment: Unsure at this time. Last reduced payment - Septmeber 2010
Paying - No
Default: Not sure as not visible on Credit File as of April 2009

29/07/2010: sent CCA request to Cabot
30/07/2010: received letter from Cabot saying they are requesting info from original lender
14/08/2010: received letter(dated 11/08/2010) from Cabot saying they have requested info from original lender but there is a delay
28/08/2010: received letter(dated 23/08/2010) from Cabot saying they have requested info from original lender but there is a delay
20/09/2010: received letter(dated 03/09/2010) from Cabot saying they have been unable to supply the information


Wescot (Egg Credit Card)

Credit Card taken Out: 11/04/2001.
Current Balance: £3561.01
Full Payment: Unsure at this time. Last reduced payment - September 2010
Paying - No
Default: 26/06/2004 - £5601

29/07/2010: sent CCA request to Wescot
03/08/2010: received letter from Wescot claiming to not be creditor.
21/09/2010: sent CCA request with additional letter to Wescot


ARROW GLOBAL/TRANSCOM (Originially Paragon Unsecured Loan)

Loan taken Out: 09/05/2000
Current Balance: £22925 according to Credit Report. £28000 approx according to letter from earlier in year.
Full Payment: 13/11/2002. Last reduced payment - September 2010
Paying - No
Default: 10/06/2008 - £21,691

29/07/2010: sent CCA request to Transcom
12/08/2010: received letter from Arrow claiming they are not the creditor but are requesting from creditor
16/11/2010: received letter from Arrow with the Credit Agreement, Statement of Account and Terms and Conditions.
20/11/2010: sent Missing Prescribed Terms letter to Transcom
16/11/2010: received letter from Arrow disputing unenforeability. Letter emailed to Niddy.
10/01/2011: received letter from Transcom saying I owe them monthly payments of £390.01 starting immediately.
11/02/2011: received letter from Transcom saying I owe them monthly payments of £390.01 starting immediately.
10/03/2011: received letter from Transcom saying I owe them monthly payments of £390.01 starting immediately.


CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd

Hi Niddy,


As you can see with the bottom entry above, I received a letter from CL Finance telling me that they have passed the debt onto Lowell Portfolio I Ltd.


Accompanying the letter is one from Lowell saying they owe they debt and will now attempt to receover the outstanding debt. If I do not contact them they'll pass my details to Lowell Financial Ltd, they're recovery specialists, to obtain payments.


I contacted CL Finance in April 2008 asking for the original information pertaining to the Credit Card and never heard from them until today.


Any and all advice gratefully received.


Many Thanks


Dave

[garlok]

Re: dajomel UE Diary

I would be inclined to send them this:-

>Unenforceability Templates - Section 3

as a start as from your diary above the account has been sold whilst a dispute exists due to no response from CL Finance

Garlok

[BBoo]

Re: dajomel UE Diary

I agree with Garlok in sending the letter, but be aware that they are allowed to sell the account while in dispute - if you report them to the OFT, the OFT will say they don't encourage it, nor do they consider it to be good practice, but it is not unlawful.

[dajomel]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.

Hi All,

I take it following the advice of Garlock and sending the selling under dispute letter would be the first course of action at this point? Apologies for having not confirmed this prior to today. Lots going on.

Many thanks

Dave