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bunkbed

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Everything posted by bunkbed

  1. bunkbed
    Thanks for the link. I’m lucky that I’m in a position to pay them off. @dx100uk thanks for all your help
  2. bunkbed
    Thanks for the link. I’m lucky that I’m in a position to pay them off.
  3. bunkbed
    To get rid of the charge (and to stop them adding more interest) should I just pay up?
  4. bunkbed
    Sole
  5. bunkbed
    I stopped paying in (I think) 2017 and they've never threatened to take me to court in all that time. They still have a charge registered against my house, maybe they're playing the long game and hoping I sell so they can make a claim then. Is it now too late to take them to court?
  6. bunkbed
    Yes, I stopped paying them once the loan period was up. They've been adding interest since then, but no more charges.
  7. bunkbed
    Hi Thanks for the re-open. I finally got round to sending a letter claiming the charges back (which I might have sent before!). This is their reply. Do I need to refer this to the FOS or do I go straight to a Letter Before Action? Is there a board or thread on here that details what the Small Claims process is? Thanks. BB
  8. bunkbed
    Thanks, I'll get the letter sent out. They offered just the original value as a full and final, I was so shocked that I accepted it
  9. bunkbed
    Thanks for re-opening this. The current situation is I got the PPI refunded, but not the charges or the insurance. I sent a SAR in April this year, to see if there was anything new on the account, the SAR specifically mentioned only items since the last SAR. They phoned asking what the SAR was for, I said for any new information on the charges and information. They didn't send anything within the one month timescale, so I reported them to the ICO. Then out of the blue I got a letter saying they had reviewed my account and they were refunding me some interest applied to my account due to then "failing to keep you informed of the balance that is off schedule accruing on your account". I think this means the monthly interest they've been adding to the balance each month since the my payments stopped. I've calculated the total of charges and compounded interest using the spreadsheet in the library and I'm going to send this with a letter asking for the charges to be refunded. Should the letter make any reference to the interest they've recently refunded? If they ignore my request or say the charges are legal, then is my step to issue a letter before action and then take it to the small claims court? Thanks. BB
  10. bunkbed
    HELP !!!!!! I forgot to put in my defense on MCOL. The claim issue date was 27/02/2019. Am I too late, is there anything I can do? they sent a NOA, but no CCA or Default Notice I've submitted a defense on the MCOL saying I haven't received the CCA or Default Notice, fingers crossed it gets accepted
  11. bunkbed
    I'll count them and let you know. Thanks. BB
  12. bunkbed
    This is the only thing in the SAR that refers to buildings insurance, I guess you'd call it an account activity log, is this what you meant by the original demands and needs sheet? I didn't receive any of these letters, but can't see there's any way to prove that. account log.pdf
  13. bunkbed
    They didn't ask for insurance in 2007 and just applied their own. The SAR didn't contain any letters or the insurance policy they took out from this time , very convenient What's the next step forward?
  14. bunkbed
    It was a condition of the loan that the property was insued but first time they mentioned buildings insurance was in 2008 and I sent the insurance off.
  15. bunkbed
    BB
  16. bunkbed
    Hi Here is the recent letter and the one referred to in 2016. I did a SAR to the company who were insuring the building at the time Together added their own and when I sent the claim I included a document that showed I had my own buildings insurance in place. In both letters they say they wrote to me asking for proof of buildings insurance, but then go on to say that they don't have any letters regarding buildings insurance on record. They did write to me in 2008 and I sent the buildings insurance back to them as I remember they were going to charge a stupid amount if I didn't, I would have done the same if they have sent letters in October and November 2006. Also documents I received from the SAR (to Together) didn't include anything to show they have taken out an insurance policy or if they did who it was with, should they have sent this? Thanks. BB Letter March 2019.pdf Letter March 2016.pdf
  17. bunkbed
    Ok, will do that at lunchtime. I was looking at the letter they sent and they refered to a phone call I made in 2016 regarding the charges and buildings insurance. They've basically said that as they responded to this in 2016 I can now no longer take this to the FOS as it's now more than six months
  18. bunkbed
    Hi, I've had a response from Together about the charges and the buildings insurance. Is it best to create another thread for one of them as they were sent as separate claims? Thanks.
  19. bunkbed
    Thanks for the reply. How do I find out who they are/were?
  20. bunkbed
    Hi I sent off the 3 letters for PPI, Buildings Insurance and Charges. They've come back saying that as the loan was sold via a broker any PPI mis-selling should be directed to them and not Together. The broker is no longer trading (looks like they were disolved in 2009). They suggest I contact the Financial Services Compensation Scheme, is this the only way forward? Thanks. BB
  21. bunkbed
    I've received a reply from Cohen's. It contains a few Notice of Assignments, but no agreement or default notice (both of which were mentioned in the particulars of the claim). Will see what now comes back from Hoist.
  22. bunkbed
    I'm afraid not, I presume since it's dropped off my credit file that it was defaulted over 6 years ago, but no idea when the last payment was made.
  23. bunkbed
    My next steps are these? :- 1. Use MCOL to say I'm doing to defend the case 2. CCA request to the claiment, do I still need a £1 postal order? 3. CPR 31:14 request to the solictors The date I have to file my defense by is 5 April 2019?
  24. bunkbed
    Name of the Claimant ? Hoist Finance UK Holdings 1 LI Date of issue 27 Feb 2019 Particulars of Claim 1.This Claim is for the sum of $XXXX in respect to monies owning under an Agreement with the account no XXXXXXXXXXXXXXXX pursuant to The Consumer Credit Act 1974 (CCA). 2.The debt was legally assigned by Hoist Portfolio Holding Ltd (Ex Barclaycard) to the Claimant and notice has been served. 3.The Defendant has failed to make contractual payments under the terms of the Agreement. 4.A default notice has been served upon Defendant pursuant to s.87(1) CCA. and The Claimant claims. 1. The sum of £XXXX 2. Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?Yes Did you inform the claimant of your change of address?Yes What is the total value of the claim?£6700 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?Credit card When did you enter into the original agreement before or after April 2007 ?Before 2007 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?Nothing on Clearscore Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.by the debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?Yes Did you receive a Default Notice from the original creditor?Don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?Don't think so Why did you cease payments?Money problems What was the date of your last payment?Before 2015 Was there a dispute with the original creditor that remains unresolved?No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?I was in a debt management plan around 2010
  25. bunkbed
    Yes the mortgage is still running, though I'm not making any payments and they are still adding interest on every month. Thanks for being patient, I'll do the spreadsheets tonight Just to confirm my maths, the total of all upfront charges was (these were Broker Fee, Legal Docs, money to me) = £11788 PPP Insurance = £1739 So total loan = £13527 PPI % of total loan = (1739 / 13527) * 100 = 12.86% Monthly payment = £177.27 So every month I can claim 12.86% of £177.27 which = £22.79 and I claim £22.79 on the stat int spreadsheet for each payment I made?

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