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clampchamp

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Everything posted by clampchamp

  1. clampchamp
    The last letter told me I had 21 days to respond, which I obviously didn't. So the fact that they haven't contacted me since is a good thing, right??
  2. clampchamp
    Any further information to add from anyone?? It's not going to be long before these fools contact me again, so how is the best way to deal with them?
  3. clampchamp
    Does that mean I have to wriggle out of it for another year?? Does it mean I should ring them and then just bend over and wait for them to do me up the bum??
  4. clampchamp
    Keys surrendered 07/10/2008 Property valued 12/01/2009 Property sold 13/03/2009 Last voluntary payment made to account was 30/07/2010 (somewhat later than I thought)
  5. clampchamp
    So I'm looking for dates within the collections department bit??
  6. clampchamp
    Afternoon all. Sent off a request to HBOS for an SAR, as advised by a member in my last posts. I've been to collect all the information requested today, it's about half a ream of paper - approx 250 sheets!! What am I looking for?? Thanks.
  7. clampchamp
    Quick update of where we are at this time. SAR sent to HBOS about ten days ago. Letter received today that says they have a different address on file for me. Because I didn't sign the letter (d'oh) I need to confirm who I am by either sending them a copy of my Driving Licence or similar, or, ring them up and arrange to collect my stuff from a local branch, as long as I show identification. I phoned them to arrange collection from my local. As an aside, it appears, (according to the nice chap I spoke to in the DSAR department) that Drydens Fairfax work on behalf of HBOS - so I'm assuming they're just a regular DCA that happen to have a very lucrative contract to handle HBOS's work. The nice chap also told me that the 40 day deadline starts from today, as that's when HBOS's conditions are met.
  8. clampchamp
    Well, the SAR has been sent today to Bank of Scotland. The Postal Order was crossed, and the envelope sent recorded delivery. Guess I'll just wait and see now.
  9. clampchamp
    Haven't been able to send off the SAR up to now, I'm intending to do it friday, as that's payday. I'm assuming that one of the standard letters will do, obviously changing the relevant details??
  10. clampchamp
    Didn't do the SAR, tbh!! What letter do I need to send, and who to?? I'm assuming that by assessing, they'll start doing a bit of digging to find out what assets I do actually have, and whether I have the means to pay?? They'll probably send me an Income/Expenditure sheet, stuff like that?? What are the chances of them actually taking me to court, or applying an attachment to earnings?? Obviously, they would have to make sure that all the info and paperwork they have is absolutely spot-on - and as we know, the chances of that, due to these guys being nothing more than a DCA is pretty slim, right??
  11. clampchamp
    Right then. all the other letters these fools have sent me have just been threatograms. Received one yesterday that seems to have a little more bite. Bear in mind that these people still have no idea whether I have any assets (I don't) or any extra money left over once I pay my bills. (I do) You guys told me to wait for a letter with a definite threat in it - and that's exactly what this one has. Still willy waving, or something a little more credible?? Cheers folks.
  12. clampchamp
    That's a lovely idea, but to be honest, I just want them out of my hair!! Would I not have to prove what happened in the phonecall?? Are DF obliged to keep records of the call?? More interestingly, if I did report them, would they be likely to panic and stop bugging me at all??
  13. clampchamp
    Evening all. I've posted about these guys before, but I can't find the thread I originally posted in. To cut a long story short, these guys were phoning me regularly. Last call I had, I said "I know who you are, I know what you want". "It is my right to request no more telephone contact from you, and that is what I am requesting. You want any more info from me, it needs to be by letter, or I'll go down the harrassment route." The guy I was speaking to tried to tell me they could contact me however they pleased, I just kept repeating no more telephone contact until he said, "okay, we'll write to you, you are aware what a serious situation you are in?" "This needs to be resolved sooner rather than later, as things may get uncomfortable for you". I then reiterated that I wanted no more telephone contact from them, and he agreed they wouldn't contact me by phone any more. That was a about three weeks before christmas. Today, myself and the domestic authority have received a letter from them. Obviously I've blanked out the identifiable bits. More sabre rattling?? Do I actually need to do something this time?? I have no assets, the house I live in is rented, and the car I drive is owned by the finance company for the next 2 and a bit years. I earn good money, but I don't want them to know that. What would the best plan of attack be?? Although the mortgage shortfall is chaseable for 12 years, I do know that the interest cannot be persued after 6 years. Out of interest, how might I work out what the interest charges might be?? Would these guys be able to find out who I work for without me telling them?? Would they then be able to apply the attachment to earnings without my say-so?? If they did so, how much would it be likely to be?? Bear in mind that they have no idea if I have a job, or whether I am in a position to pay them?? I have at no point admitted any responsibility for this debt, nor have I confirmed my address. The only detail I did confirm was my mobile number - which they obviously had already. I'm a little concerned at the moment, as this letter is somewhat scarier than the last ones I received from them.
  14. clampchamp
    That would tell me what became of the debt, right?? It wouldn't admit liability??
  15. clampchamp
    The only way the money could have got back to HBOS would be if the original DCA was working on their behalf, right?? The house was sold, so Halifax would have taken their dosh and probably sold the debt, right?? What's likely to happen next??
  16. clampchamp
    That upload should be better. Full story - here goes. Bought a house for just under a hundred grand in the early part of 2007. Didn't have a deposit, got a 100% mortgage from Halifax. Looking back, I suspect it was mis-sold, but that is a story for another day. The price we paid on paper was 102,650, because we had what is known as a vendor gifted deposit. stuff happened, (as it does in life) and myself and the good lady split up, leaving her in the house without means to pay. I'll add that at that point we were struggling to pay the mortgage anyway, and we were at least 2 months behind. It turned out that one mortgage payment was just over 2 weeks money, based on my wages at that time. I moved back to my home town, and, three months later, the wife joined me up here with the children. We knew that the Halifax would be looking to repossess due to us now being at least 5 months behind. Rather than wait for them to repossess us, we wandered into town and handed the keys back to the Halifax. (after giving her dad a clear week to rip out the kitchen cupboards we'd only just fitted!!) We heard nothing for around 6 months, then we started being harrassed by a company fairly local to us by the name of Direct Legal Collections, who had managed to prise a couple of hundred pounds out of us by harrassing my wife every month she rung up to pay something, telling her they wanted more. We eventually told them to go forth and multiply in short jerky movements. This would been the late summer/early autumn of 2009. Moved house later that year, and heard nothing for a bit. Then we had a company called Mackenzie Hall chasing us, possibly for this, possibly for another debt that is definitely statute barred. Then possibly another DCA, then a bunch of cowboys by the name of HL solicitors, and now these guys. Having read a lot of info on this sort of thing (as you do, when you're having another sleepless night) I understand that although a mortgage shortfall can be chased for 12 years, as long as the company that gave the original mortgage is/was a member of the FCA, it's an unwritten rule that it won't be chased once 6 years have elapsed. I'd also like to add, that since this all kicked off, I've been able to get a car on finance, a credit card and an account with a catalogue company, so my credit rating clearly isn't that poor, and on my credit file, this debt is not currently showing at all. Also, myself and the wife sorted it out, and still live together to this day..........
  17. clampchamp
    The letters received are attached as a .pdf to the post, with all personal info removed, as advised. By Domestic Authority, I meant my good lady wife, sorry should have made myself a bit clearer. She's not quite as switched on as me. We had another DCA chasing for this before - Direct Legal Collections (DLC) - they were able to bully her into paying a little more each month. That's what Drydens will be referring to.
  18. clampchamp
    It does appear (after reading it a couple of times) that they are prepared to take an offer to settle it, yes. As an aside, after I wrote the last post, I googled the postcode, and it shows up as Blair and wotsit. It is not older than 6 years - the last payment made by the domestic authority was made in Augustish 2009. On the Drydens letter, it states the following:- We understand that payments have been made towards this account in the past and from this we have determined this account is not in dispute, there is no legal reason for it to remain unpaid and these payments are an admission of liability. If you believe this not to be the case you must contact us immediately to advise us of the details. Then:- From today all communications and repayments must be made to drydensfairfax solicitors And then : - It is very important that we recieve a repayment offer from you, if you were unable to maintain any previous arrangement because the payments were too high we can help. Any offer made requires us by law to assess your personal circumstances before accepting it. (they do? I don't think so. Do they?) This is to ensure the amount you pay is affordable and will not have a detrimental impact on your financial finances. Please contact us on blah blah, quoting bla blah within 14 days. If we do not hear from you in this time we will have no choice but to progress with further collections activity and would use this letter as evidence that we have made every effort to help you address this debt in a fair and affordable way. The Letter that has Bank of Scotland on the the paper - is that a very clever ( and possibly illegal??) bluff?? The mortgage was actually with The Halifax - all correspondence with them was on Halifax paper. The address at the bottom, just after where it was signed by a "H Singh" is PO box 66, Rosyth, KY11 2WG - which shows up as Blair someone and someone.
  19. clampchamp
    Hi all. Recently posted about a letter I had from these guys about a mortgage shortfall. I've had another one today from them, but this time it has a letter on Bank Of Scotland headed paper with it. On the headed paper, it tells me how much I owe (£xx,xxx) and it tells me that the debt has been transferred over to Drydens. The letter reads as follows - We are writing to you regarding your mortgage shortfall with Bank of Scotland (Halifax division) We have withdrawn your account from HL Interactive and transferred it to Drydensfairfax solicitors with immediate effect. You should be aware that the decision to instruct them specifically relates to a process change within the bank. Then it waffles on about contacting them, and how if I contact Bank of Scotland they will refer me back to Drydens. Apparently, drydens have been instructed to recover the balance by agreeing a suitable arrangement. The letter from Drydens states about how I must contact them with the refernce number, and how they make progress collection activity etc etc. It was only a fortnight ago I had one of those letters from them asking if I was XX, did I know where XX was, and if I wasn't XX then did I know how to contact him. I have not contacted them at all, but they now appear to know how much the debt is for and what it is for. What next?? This letter worries me a bit, as it does look very genuine - especially with the Halifax Bank of Scotland letter in there as well. Just another DCA dirty trick, or should I be flapping a bit??
  20. clampchamp
    That's kinda the way I was thinking. If they KNOW how much I owe, and EXACTLY what it's for, I guess they'll ask for it!!
  21. clampchamp
    But that doesn't mean a DCA will see it the same way, or does it??
  22. clampchamp
    Not if it's a mortgage shortfall it's not, is it??
  23. clampchamp
    Already did - nothing showing recently. All I have in the last two years is car insurance searches, my car finance, Littlewoods, and at the back end of 2013, a Wonga search. In the same last two years, there has been one defaulted payment on a credit card (my misunderstanding!!) and nothing else. That was all from Noddle.
  24. clampchamp
    Hi all Been very quiet on here for quite a while, due to no DCA's trying to contact me about the usual. Today however, I have received a letter from a company called Drydens Fairfax. There is perhaps one debt I have that COULD still be enforceable - mortgage shortfall, sadly! All the others to the best of my knowledge, Statute barred. Any idea who the clients of this outfit could be?? The letter is the DCA's usual, "Are you XXX? Do you know where XXX is?? If you are not XXX, please accept our apologies........." and so on and so forth. Obviously I have no intention of contacting them unless they come up with something a little more convincing. Worrying thing is, the wife has one as well, which means if there is a debt, it's a joint one, and there's only two of I know of that could be - one being the shortfall, another being Wel**** Finance. It's a company based up north, which makes me think it may be from Cattles Group/Welcome finance, which is definitely SB. Any words of wisdom, folks?? Thanks.
  25. clampchamp
    Just have to try and get HL Solicitors do do one now then!! Thanks all for your help!!

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