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  • #91

    Maybe send Santander a SAR to establish proof?

    Di
    Legal Disclaimer

    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

    Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

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    • #92
      I have requested a SAR.
      Morecroft have written to acknowledge receipt of my usual monthly payment which I send to Robinsons, asking again for an offer of repayment, and saying that any further payment should be made to them. Should I change my standing order to go to their account instead?

      Comment


      • #93
        await SAR results?
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

        Comment


        • #94
          I have received a letter and cheque for £25 from First Direct, saying they have 'reviewed the quality of service provided by their Credit Services team and identified that it did not meet the standard expected'. On calling them for more details today, I was told that it's compensation because I received a letter before action without prior contact. I remember the letter before action well, it was sent in 2015 and caused me significant and long term stress.

          Is anyone able to advise on the process, is it something that I should follow up or just should I just accept the cheque and breathe a sigh of relief that this chapter is coming to an end?

          Comment


          • #95
            I got one as well but they cost me more for fraudulent reporting which I still pay for over above any alleged money owed
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment


            • #96
              Originally posted by Turquoise View Post
              cheque for £25 from First Direct . . . . I was told that it's compensation because I received a letter before action without prior contact.

              I can't see any First Direct debt posted on your Diary. Could it be this one with HSBC (First Direct) which is now owned by Cabot (Marlin)? >



              Originally posted by Turquoise View Post
              Debt 1:

              HSBC Overdraft £10k (sole trader current acc in my name)

              • Agreement date: June 2006

              It went to Metropolitan collectors in Jan 2011, I paid them £1 per month.

              On 22/4/14 the debt was purchased by Marlin Europe

              Marlin changed their name to Cabot Financial (Marlin) on 2/3/15
              I am still continuing to pay £1 per month to Cabot.

              I’ve taken the following from a recent letter from Cabot:
              • Owner: Cabot Financial (Europe) Limited

              CCA request sent to Cabot 11/6/20.
              12/6/20 - Letter from Cabot "we have received your request, currently do not have relevant info on file, contacting original lender...".
              25/6/20 - Leter from Cabot "still progressing your request, have contacted the original lender...".
              I have stopped the £1 monthly token payment (standing order, was not a DMP)

              Di
              Legal Disclaimer

              I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

              Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

              Comment


              • #97
                The First Direct debt was one that my family kindly paid on my behalf when I received a Letter Before Claim. So it was fully paid up without going to court, in 2015.

                Comment


                • #98
                  Originally posted by Turquoise View Post
                  The First Direct debt was one that my family kindly paid on my behalf when I received a Letter Before Claim. So it was fully paid up without going to court, in 2015.

                  Okay, so there’s no history of this debt on your thread.

                  I can see from your post #94 that you feel £25 may not be enough to compensate you for what happened in 2015.

                  Do you know of any reason why First Direct should have suddenly decided to revisit this issue five years later?

                  Can you post up a little more information to see what your options might me.


                  Di
                  Legal Disclaimer

                  I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                  Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                  Comment


                  • #99
                    . . . .
                    Last edited by Diana Mayhew; 3 December 2020, 21:43.
                    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                    Comment


                    • HFC Bank and John Lewis - strange not any them but HSBC itself not subsidiary?
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment


                      • Originally posted by Turquoise View Post
                        The First Direct debt was one that my family kindly paid on my behalf when I received a Letter Before Claim. So it was fully paid up without going to court, in 2015.
                        Perhaps I should also ask whether the Letter Before Action was sent by solicitors in 2015, and if so who was the firm (possibly DG Solicitors) ?

                        Di
                        Legal Disclaimer

                        I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at di@joannaconnollysolicitors.co.uk or by telephoning 0151 254 6986 Our initial advice is always free.

                        Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                        Comment


                        • It was an overdraft which defaulted in 2010 (ish), went to 1st Credit, I thought I was paying £1 a month (but there had been an administrative error, or I hadn't changed the payment from First Direct to 1st Credit so it wasn't being recognised) then it was passed to Lester Aldridge Solicitors in 2015. I think the letter before action was sent by 1st credit or Lester Aldridge but I don't think I've got it any more. My family paid the full amount they were asking for as I had young children at the time. I don't know why First Direct have suddenly send me £25 compensation, I haven't done any other banking with them for 10 years.

                          Comment


                          • They used ominous names in the past of internal collection agencies within the collection departments (which like D G Solicitors ) and got caught over the coals for it, many a CCJ got by them for underhand systems, when they were slapped down they had to change solicitor forms to their Head Solicitor to make them legal) they must know (as HSBC seems to have agents who warn them something is about to happen) as in the past and COULD be trying to cover tracks (Damage Limitation) before something is revealed?????? remember the naughty boy so called Parliamentary committee after the crash the CEOs sat there and was told to say "SORRY"., and then they got away with it, yet due to their actions nobody wanted the public side of their action internally be investigated (Money Talks) . well my cheques is un cashed for a few months to see what/if something blows up??
                            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                            Comment

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