Helmsman UE Diary

[helmsman]

Re: Helmsman UE Diary

Hi Niddy,
I have received from several depts of Nat West regarding my advanced sar request,but have not received the details I needed so I was wondering if these are not included, and I may need to send a specific request for my statements regarding a current acc 6 years worth to check whether they repaid the agreed bank charges in 2007- 2008 also a statement of payments made to a personal loan.
thanks
Helmsman

[helmsman]

Re: Helmsman UE Diary

Hi Niddy,
I have received from several depts of Nat West regarding my advanced sar request,but have not received the details I needed so I was wondering if these are not included, and I may need to send a specific request for my statements regarding a current acc 6 years worth to check whether they repaid the agreed bank charges in 2007- 2008 also a statement of payments made to a personal loan.
thanks
Helmsman

Hi Niddy,
Its OK I reread the SAR and it has asked for the info, so have contacted them and they are sending info.
Thanks

[Never-In-Doubt]

Re: Helmsman UE Diary

Sorry for delay. Advanced SAR does ask for all statements etc....

[helmsman]

Re: Helmsman UE Diary

Halifax CC
pre 2006
£8500
pre 2007
arrangement
defaulted
DCA
CCA REQUESTED 04/10/2010
letter moorcroft 14/10/2010 account on hold req to halifax cca. received cca 09/12/2010 sent to niddy for verification. niddy says its UNENFORCEABLE not directly linked to any terms
cca query letter sent to moorcroft dca 13/12/2010
LETTER CAPQUEST 6/1/11 ASKING FOR PAYMENT HAVE TAKEN OVER ACCOUNT.
Letter hl legal 31/1/11 pay by 9/2/11 or may take to court.
threat of litigation letter sent 2/2/11
letter today from capquest closing account on system as did not know of existing query 10/2/11
letter robinson way 26/4/11 have taken over from capquest, pay up this debt will not go away may take legal action ect. 3rd dca.
letter rob way will go to court if dont pay 10 days letter dated 21/4/11.
threat of litigation letter sent 3/5/11 to rob way SD.
letter 9/5/11 from rob way account on delay as I requested a copy of the agreement NO it WAS threat of litigation I sent.
letter rob way still awaiting a response from client concerned and have reminded them query outstanding will let me know outcome. (HOW KIND BUT PLEASE DONT RUSH). 15/6/11
1/7/11 rob way have sent a new set of terms up to date ie £12 charges not £25 as in 2002.
30/7/11 letter rob way no response from hbos as yet will let us know asap (dont rush)

Hi Niddy,In 2 deep
Letter today 25/8/11 Iqor new DCA on the case debt referred to them for collection only contact Iqor about this, Its UE so ac sold whilst in dispute on its way.4th dca on the case.
Thanks
Helmsman
ps the total has dropped a couple of grand so its not all bad.

[Never-In-Doubt]

Re: Helmsman UE Diary

[helmsman]

Re: Helmsman UE Diary

Hi Niddy,
Does requesting a SAR restart the SB clock, ie having received statements it shows O/D accruing interest yet last payment into acc is 2008.
Thanks
ps interest is being added monthly.

[CleverClogs (RIP)]

Re: Helmsman UE Diary

Does requesting a SAR restart the SB clock, ie having received statements it shows O/D accruing interest yet last payment into acc is 2008.

You would reset the prescribed period under the Limitation Act 1980 if (section 29(5) -link) you acknowledged the alleged debt in writing (section 30 - link) or made any payment towards it.

Seeking data held about oneself by a bank, lender, DCA or other financial parasite does not, in my opinion, constitute any acknowledgement of any alleged debt unless, perhaps, the alleged debt is specified in the request.

[helmsman]

Re: Helmsman UE Diary

You would reset the prescribed period under the Limitation Act 1980 if (section 29(5) -link) you acknowledged the alleged debt in writing (section 30 - link or made any payment towards it.

Seeking data held about oneself by a bank, lender, DCA or other financial parasite does not, in my opinion, constitute any acknowledgement of any alleged debt unless, perhaps, the alleged debt is specified in the request.

Hi CC
Last payment into this acc by cccs 08, have heard nothing from them no statements for 3 years except SAR.
Thanks

[helmsman]

Re: Helmsman UE Diary

Marbles CC
pre 2006
£5000
pre 2007
Arrangement
defaulted
Marbles
CCA REQUESTED 04/10/2010
letter from marbles copy current executed agreement plus signed statement of acc. Copy of original signed application will follow shortly. 18/10/2010.
cca received 23/10/2010 NIDDY SAYS U.E. :UE
CCA ACC QUERY LETTER SENT 29/10/2010.
letter marbles not upholding complaint and receiving advice from internet which is incorrect 5/11/2010 not able to supply true copy as yet. :aaw niddy says ignore
LETTER 9/11/2010 BREACH OF TERMS/CONDITIONS DEFAULT WILL BE ISSUED TO REQUEST FULL PAYMENT ;EEK
LETTER 30/11/2010 NOTICE OF INTENDED ACTION MAY APPLY FOR CCJ PLEASE CONTACT US. NO
letter marbles 24/2/11 please give us your phone number and contact us to make a payment. NO I WONT.
Letter from 1ST Credit now trying to get payment. 28/3/11
letter to 1st credit 7/4/11 threat to commence litigation.
2 letters 14/4/11 from 1st credit letter 1 threats letter 2 acknowledging dispute. niddy says ignore for now
Letter LCS solicitors 27/4/11 will recommend client to go to court 14 days if dont pay
5/5/11 threat of litigation sent to LCS Solicitors as per niddys advice
Letter today dated 4/5/11 25% discount if I pay by end of the month.
letter 6/5/11 same as above
letter 9/5/11 1st credit You Have Raised A Dispute they will contact Marbles will reply within 1 month please phone and give them a contact number so they can deal with this sooner.

Hi Niddy,
Letter today Notice of assignment of debt to Cabot Financial 30/8/11 I will send acc sold whilst in dispute unless you suggest otherwise.
Many thanks

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi Niddy,
Does requesting a SAR restart the SB clock, ie having received statements it shows O/D accruing interest yet last payment into acc is 2008.
Thanks
ps interest is being added monthly.

No but why would you request a SAR if you're not paying and had no contact since 2008?

[Never-In-Doubt]

Re: Helmsman UE Diary

Hi Niddy,
Letter today Notice of assignment of debt to Cabot Financial 30/8/11 I will send acc sold whilst in dispute unless you suggest otherwise.
Many thanks

No need, leave it mate..... wait till they write properly

[Never-In-Doubt]

Re: Helmsman UE Diary

You would reset the prescribed period under the Limitation Act 1980 if (section 29(5) -link) you acknowledged the alleged debt in writing (section 30 - link) or made any payment towards it.

Seeking data held about oneself by a bank, lender, DCA or other financial parasite does not, in my opinion, constitute any acknowledgement of any alleged debt unless, perhaps, the alleged debt is specified in the request.

Yep, thanks for this - agreed. Sending off for a SAR would not reset SB clock.

[helmsman]

Re: Helmsman UE Diary

No but why would you request a SAR if you're not paying and had no contact since 2008?

Hi Niddy,
It was all to do with checking details of loans mortgage ect charges rather than seeing O/D acc again. As I said I have had no contact with them for 3 years nothing to do with former current acc. It was just the advance SAR.
Thanks

[Never-In-Doubt]

Re: Helmsman UE Diary

Ok the SAR will have no bearing with regards to SB - just ignore as usual

[helmsman]

Re: Helmsman UE Diary

Hi Niddy I 2 Deep,
Languishing on page 4 nothing to worry about at the moment except being pursued to forward I/E sheet to solicitors who are collecting on behalf of a ccj have never missed a payment but I guess they want more as it is a ccj shall I just ignore or do the have the right to ask.
have a great holiday if you havent left yet niddy and family.