bobogosing's UE diary

[bobogosing]

Re: bobogosing's UE diary

I'll be around later tonight as got a few bits to do later. I'll reply here / by email and send you the relevant letters to issue.

A SAR will be needed but hold fire as I'll edit it to suit your needs for you and send you it directly with a response to Rectums too.

Thank you Niddy! bobo x

[Never-In-Doubt]

Re: bobogosing's UE diary

I'll be around later tonight as got a few bits to do later. I'll reply here / by email and send you the relevant letters to issue.

A SAR will be needed but hold fire as I'll edit it to suit your needs for you and send you it directly with a response to Rectums too.

[Never-In-Doubt]

Re: bobogosing's UE diary

Thank you Niddy. Wouldn't SAR help? I will have all info then. I just want to be sure myself. As the loan was taken out over 10 years ago.And I have no paperwork or statements of the loan with the "protection insurance".

It won't give you the time you need so hold fire till I get hold of Jo tonight - likely I'll create you a response to send back with SAR asking for time to get info so you can clarify your position. Nothing to do till Monday so try and relax for now....

You have until 1st September - a SAR gives 40 days. Leave it with me...

[bobogosing]

Re: bobogosing's UE diary

Yep - we're on it. I'm speaking to Jo as this ppi is a real problem. There's no mention of it.

Thank you Niddy. Wouldn't SAR help? I will have all info then. I just want to be sure myself. As the loan was taken out over 10 years ago.And I have no paperwork or statements of the loan with the "protection insurance".

[Never-In-Doubt]

Re: bobogosing's UE diary

Yep - we're on it. I'm speaking to Jo as this ppi is a real problem. There's no mention of it.

[bobogosing]

Re: bobogosing's UE diary

In your email last night you said that PPI was added to this loan at the outset even though you think you didn't request it (you subsequently cancelled it). This may mean the creditor has to also comply with s.18 on Multiple Agreements if it's showing on your CCA

See here: http://forums.all-about-debt.co.uk/s...ll=1#post10834

Plan B x

Hi Plan B! I have managed to scan the T&Cs and emailed to Niddy, hope I have done it right though.

bobo xx

[bobogosing]

Re: bobogosing's UE diary

Can you please clarify;

1. Have you been getting regular annual statements?
2. Did you ever receive notification of assignment?
3. Have you received a default notice?

Please PDF the CCA paperwork and resend it me. Let me have another look before worrying too much about making an offer. Thanks.

Hi Niddy!

I have sent the CCA and T&Cs via email.
Hope I have done it right.

1. Have you been getting regular annual statements? Yes, but they are sending them to my previous address. Only ones I received is copies from Restons thats attached to my CCA T&C's requests.


2. Did you ever receive notification of assignment? Yes. It was assigned to Britannica - Arrow in June 2011

3. Have you received a default notice? Yes, but it was binned not realising I will need it

bobo xx

[PlanB]

Re: bobogosing's UE diary

In your email last night you said that PPI was added to this loan at the outset even though you think you didn't request it (you subsequently cancelled it). This may mean the creditor has to also comply with s.18 on Multiple Agreements if it's showing on your CCA

See here: http://forums.all-about-debt.co.uk/s...ll=1#post10834

Plan B x

[PlanB]

Re: bobogosing's UE diary

I have received letter from Restons for my EGG Loan. Its confirmed Enforceable by Niddy.
.......its time to make a F&F offer by the look of this latest letter.

I go to GP for my illness

I see you are seeking help from your GP who can confirm that in writing which may help as part of any negotiations if that's what you decide to do. There are FCA CONC rules about the way creditors should treat people with illness.

Wait and see what Niddy says when he's seen your paperwork. You have until 1st September to reply (at the latest).

Don't let a letter spoil your day. It's only a piece of A4 paper

Plan B x

[Never-In-Doubt]

Re: bobogosing's UE diary

Can you please clarify;

1. Have you been getting regular annual statements?
2. Did you ever receive notification of assignment?
3. Have you received a default notice?

Please PDF the CCA paperwork and resend it me. Let me have another look before worrying too much about making an offer. Thanks.

[bobogosing]

Re: bobogosing's UE diary

UPDATE


EGG LOAN (mrs bobo's)

Type of account: EGG Loan
Date commenced: 09/03
Approx balance: £19,541.94
Date last paid: September 2010
Are you on arrangement or not paying: Was on DMP with CCCS and now. not paying
Status: Default and in arrears
Account owner: Egg Banking PLC

http://forums.all-about-debt.co.uk/s...&postcount=229

8/5/13 Resend CCA request as been ignoring letters
22/5/13 Received letter from Arrow
28/5/13 received "address inquiry" letter
14/6/13 Sent this template as advised by Niddy
22/8/14 Received letter from Restons dated 22/8/14 with mandatory form asking for my name and address plus employer details etc etc
(link for SH's advise) http://forums.all-about-debt.co.uk/s...l=1#post429524
29/1/15 Received letter from Restons Solicitors
7/2/15 sent template as Mrs D advised #647
16/2/15 received letter from Restons #653, advised by MrsD to send CCA #655
25/2/15 Received CCA, T&Cs and statements from Arrow (filed away)
5/3/15 Received CCA , T& Cs and statements from Restons (filed away)
1/7/15 Received letter from Restons. #713 #714 - Niddy advised to reply with MPT letter
26/7/15 Received MPT reply from Restons. Letter was dated 23/07/2015 and it had a covering letter (included in this post), my application. T&Cs and annual statements.
Emailed to Niddy and PlanB. Was advised to sit and wait what they will send next as I have ran out of bragging excuses.

20/8/15 Received letter from Restons dated 18/8/15


Hi All,

I have received letter from Restons for my EGG Loan. Its confirmed Enforceable by Niddy.
As you can see from my diary I have been bragging as long as I could.......its time to make a F&F offer by the look of this latest letter.

bobo x

[SaltnVinegar]

Re: bobogosing's UE diary

Hello All!

Just popping in to say not heard anything from the latest debt chasers that I have posted or from any other creditors that's owed yet.
Not holding my breath though....just dreading what they will dish up.

Take care all.

bobo xx

Excellent - no news is good news bobo

[bobogosing]

Re: bobogosing's UE diary

Hello All!

Just popping in to say not heard anything from the latest debt chasers that I have posted or from any other creditors that's owed yet.
Not holding my breath though....just dreading what they will dish up.

Take care all.

bobo xx

[Pixie]

Re: bobogosing's UE diary

That's why I said it might be worth it. It's unlikely that the dca will accept it but, for the price of a stamp and a little time, it's worth a try.

[PlanB]

Re: bobogosing's UE diary

It might be worth writing a letter explaining and saying that you deal with the financials and enclosing your medical evidence.

Will the creditor accept a letter from someone who isn't the debtor without a formal authorization or a Power of Attorney ?

I hope so, but the fact that the debtor's wife has medical issues may not be relevant.

I'm not being negative, I'm looking at it from the POV of the DCA managing the account.

Plan B x