Hannay100
-
Posts
155 -
Joined
-
Last visited
Content Type
Profiles
Forums
Post article
CAGMag
Blogs
Keywords
Everything posted by Hannay100
-
Thank you, Dodgeball, and also for your response on my Link thread to which I will be adding again shortly. As a precaution I think I will be notifying Rockwell, thanks for the clarification.
-
Split out from http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts , addressing a group of debts. CCA letters sent to most, posting individual cases separately now as each progresses: ************ Apparently by coincidence, between sending the CCA letter to Fredrickson last week and before receiving a response I have this morning received a letter from Rockwell DCA advising me that they have replaced Fredrickson. Do I simply send a fresh CCA letter to Rockwell instead, or refer them to an ongoing matter with Fredrickson that must be awaited first, or as this is a new relationship is something altogether different appropriate?
-
Split out from http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts , addressing a group of debts. CCA letters sent to most, posting individual cases separately now as each progresses: ************** I have received a reply from Link Financial Outsourcing acknowledging my CCA request and stating that a copy of the Agreement and most recent T&Cs has been requested from the original holder of the debt, and that this can take up to 30 days. Whilst this appears to be a reasonable statement, does it actually alter matters as far as their obligation under s.77/78 is concerned? Do I allow them the extra time to take those external steps, or adhere to 12+2 days and send failure to comply letter if nothing has by then been provided?
-
Hello caro and sequenci, and thank you for a perfectly reasonable thought. I have in fact given bankruptcy more than strong consideration anyway, as in a certain light there are some things that appeal even despite being strongly recommended by a CAB-introduced debt adviser to ... what was the technical term used .. ah yes I remember .. "avoid like the plague!" Nevertheless, bankruptcy is actually my fallback anyway if I don't get enough of a result following current paths. I would however MUCH prefer to sidestep that option for one or two rather major reasons including for example the fact that we will be opening the door to being evicted from our rented house under the terms of our lease. Certainly that's maybe open for discussion or appeals or whatever, and yes there's always the ultimate option of a 1-bed flat with the Local Authority, but whether or not there's any kind of wiggle-room I just don't want to waken the sleeping beast in the first place. Plus, that very practical issue also has a very tender emotional content because my wife is far from a strong woman as a result of all that has happened these past few years. This has included the repossession of our house and putting three-quarters of our belongings in to storage because of the huge downsize that we had to accept as an elderly couple without assets or external income. We have already had to let go of things that we expected to have around us in retirement, which alone is sometimes a cause of upset but at the same time is understood as perfectly sensible as well as necessary now. But I therefore really have no interest in opening a door on to uncertainties over such a basic matter as our living arrangements. Regardless of outcome the simple fact of going through "stuff" will be very traumatic and leave new emotional wounds when the others are still less than completely healed. If we were in our 20s and dodging overpowering student loans and racked-up credit card balances etc then there'd be no problem about going bankrupt, moving away, making a new start, etc ... but with 70 in the middle-distance and 80 somewhere about to creep on to the far horizon there are different values, different considerations. So, bankruptcy certainly has a place, but just now the short/clean process still isn't worth the price paid in other ways, which aren't limited to just the matter of a home as mentioned above, but other things too. So the possibility of maybe losing some improper debts and getting any legitimate ones either written-off or simply down to £1 per month has some appeal, and I don't mind giving time just now to seeing if something might play out in that regard. Again, thanks for the reinforcement of my backup all the same ... and who knows, it could come to that anyway.
-
The dx family motto I presume, emblazoned across the coat of arms over untold generations ....
-
Thanks, a thought I was having anyway as their self-serving 10 day deadline has already passed and I am potentially about to be written-to again with the blanks filled-in. Plus no doubt anything I put in the post to them at this point would either cross with their follow-up second letter to me, or be ignored anyway by now.
-
dx - all noted re the follow-through thanks, will do! I'm picking up on a few acronyms in use here as time goes by, but most still are unfamiliar to me just yet so I don't know what your "PP" reference is aiming me at ... I poked around first to see if I could figure it out, did a site search too but unsurprisingly that seems to throw up mostly "PPI" threads. All I can wonder is whether you are referring to Payplan? If you are, then I'm not with them, not with anybody, just me .... and CAG
-
mccgirls - I can understand you being angered by that ... a feeling I rather share. Thank you for your good wishes, mine to you also with your own dealings. filrobbo - I certainly will be posting back here as things move along so you will be able to follow progress if of interest. As to reclaims etc, this morning my head is still spinning over my whole new understanding. All I was initially focused upon was managing my affairs for comfort and having each debt either written off or reducing it to a £1 minimum for life myself which needs just a few simple steps to get to a result. But now I am suddenly a potential long-term victim of shady behaviour by a number of highly questionable outfits, with campaigns to mount! Watch this space. fletch70 - thanks for the clarification. A couple of the DCAs send a statement every 6 months under cover of an "as required by law we are sending ....." letter. In fact Link is one of those, and the latest was actually just a few days ago. Shouldn't be a problem establishing balances from them all I would think. dx ... all noted, and the more I learn the more I understand why all of those giving advice here have such impressive commitment and very strong feelings! The scale of things is undoubtedly much greater still, and your collective awareness of all that goes on under the covers as well as above them must be very angry-making! I can't say how valuable your interest and input is to people like me who don't have even 1% of that awareness, and get funneled into unjust and avoidable situations without ever really knowing! Okay so ... DCA/CCA letters went off yesterday, I will post on each in a separate thread as anything arises.
-
Very sound observations everyone, thank you. As nothing much can move until specifics are known I am inclining towards writing following CitizenB’s excellent lead and then see what is disclosed in any response. Thank you Spursflyer, I'm actually still more reluctant than I would prefer to be about putting my head above the parapet .... Dx …. Interesting thought, thanks. I have answered your bigger question on my other thread about managing a number of debts http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts.(1-Viewing)-nbsp, so won’t repeat it all here, just add that your input is much appreciated.
-
dx - thank you, I will have those CCA letters off in the post this afternoon. I think you have just opened my eyes VERY very widely with your “cash cow” comments here and on my Ruthbridge thread – thank you for the education! To answer your question, no I have never checked they are legally enforceable. To my mind I had genuine card and loan default-debts, and dealt with the debt-holders at first and then with Assignees when informed of the change. All very clear and simple to me then and since, but I think from your words that that just makes me very innocent and naiieve. All I can say is that I thought I was doing the right things dealing properly with pretty clear debt obligations. I have read-up on here a little this morning to try and add some understanding for myself, and I think I am right that if there isn’t a Credit Agreement available today the debt can’t be pursued? Is that correct and the direction you are heading me in? I also see you are requiring them to provide a statement of the account/s … is that because there is a possibility of reclaiming inappropriate payments-made? Or is that me just pushing my luck Just trying to understand this new world I find myself in these days! Again thanks for switching the light on, and I’ll post back when replies are received and will appreciate pointers on how to deal with what they bring.
-
I have just got back to dealing with a PPI-related matter after a pause for health reasons, and now I have received a disturbing letter about something new from a firm called Ruthbridge! It says simply that my address is a forwarding address for “our customer with whom we need to establish contact.” It requests a call for further information, and stresses that a response is required within 10 days but is dated 26 June and was sent to arrive 9 days in to that 10 day deadline. All very manipulative. I have no intention whatsoever of making that call. I see that they are not very highly regarded, however I think there’s a genuine focus on one or other of my debts and so I need to get my hands firmly on the wheel first! I am a little nervous however as I understand that they can be overbearing and use tactics that including false claims of authority, home visits etc which would be most upsetting to my already-nervous wife who, like me, won't see 65 again. As I say, I expect that there is a genuine link to one of my debts and I need some advice and guidance in order to take the strongest position ready. I have detailed the debts on another thread http://www.consumeractiongroup.co.uk/forum/showthread.php?396381-Observations-please-on-how-I-hope-to-deal-with-a-number-of-debts.&p=4280821#post4280821XXXXXXXXXXXX looking quite separately for advice and guidance on their management. Ruthbridge does not name which they are chasing. Again, manipulative. HOWEVER, I have already negotiated reduced payment arrangements on all of them, I make payments on time and am up to date, and none has notified me that the debt is being reassigned. Right now therefore I am not aware of the basis of Ruthbridge’s involvement, but I want/need to start building defences as I suspect there is a challenge or two headed my way from them and I don't know how to deal with bully-boy tactics and claims, don't have the fine-detail knowledge to know what is legitimate and what is not. Part of me wants to snap-back and set the rules down firmly now requiring all communication in writing and rejecting phone calls and personal visits. I need to know however what debt they are actually chasing. I can at least then switch the reduced payment arrangement to them instead. I am trying to do the best I can. So I can only think to wait and see what a second letter reveals if their first is unanswered within the 10 day deadline, though at the same time that seems to be inviting trouble right to our doorstep – literally!! Rock or hard place ..... So can someone advise how to start to deal with Ruthbridge without getting in to an even deeper hole? I’m perfectly prepared to acknowledge and deal reasonably with a legitimate debt, however I get the impression that “reasonably” probably isn’t on Ruthbridge’s agenda. All very worrying, and with stress probably having had a part in my recent health hiccup I really want to be well prepared for this new issue. Thank you Also ... if anybody does take a look at that other thread addressing my debts, and has any thoughts/advice regarding my intentions described there, then good or bad I’d like to hear them.
-
I have a number of debts as detailed below that I have been making reduced payments against, for a little while in some cases. My age and circumstances now make it unrealistic to expect to continue doing so, and actually clearing the debts impossible. I am about to contact all and advise accordingly requesting that the balances be written off. If they aren’t I will reduce payments to a token £1 per month. At intervals I have been asked to increase payments, and I have responded that I am unable to do so and have volunteered an Income & Expenditure statement to bear this out. I have occasionally been offered a reduced lump-sum settlement opportunity including writing down the £24K mortgage debt to just £1,200 however, so I hope they will see the reality of things which is that at current payment levels the c£4K debts would each take over 60 years to clear, the c£25K debts well past 400 years, and I will clear the CCJ in 2085 aged 135! I'm not sure at the moment what approach to take with the CCJ, or even if that is possible and the debt will actually pass to my family/estate on my death … still looking in to that. Details, if it helps … My debts date generally from early-mid ‘00s and span a business collapse (Sole Trader) from which I never really recovered despite a short-lived further attempt. There is also a CCJ. This all had a devastating effect, including eventually the repossession of our home just a few years ago since when we have rented our way in to retirement. We have no assets and just state pension income. All debts are with DCAs except for one which is with the original debt-holder Cheltenham & Gloucester/Lloyds TSB. These are: Intrum Justitia from Nat West, Business Loan, Bal now £3,931, paying £5/mth since ‘03 Link from ?? (need to check), Bal now £3,702, paying £5/mth since ‘04 Fredrickson from HSBC, Cedit Card, Bal now £3,862, paying £5/mth since ‘07 Moorcroft from Nat West, Personal loan, Bal now £3,118, paying £5/mth since ‘04 Direct Legal and Collections Shortfall on repo sale of home by mortgage lender, Bal now £25,852, paying £5/mth since ‘10 Chelt & Gloucs/Lloyds, direct. Shortfall on repo sale of 2nd property mortgaged to release working capital, Bal now £24,000 +/-, paying £5/mth since ‘99 Also a CCJ in '02 for £50K at £50/mth since then Some have been with other DCAs too so they actually go back further .... for example Phoenix Recoveries, Lowells and Robinson Way at times as some were reassigned, but because of moves and more I just don’t have all correspondence anymore and can’t tie them down now. So …. I think my plan is sound, however before making contact to see what I can achieve I'd welcome any advice/comment ... good idea or not, any best way to go about it, anything further I might do to help myself, anything I could say in order to help, or avoid because it would hinder … that kind of thing. I’d love these to disappear so I can breathe easy now. Thank you for any assistance.
-
UPDATE (Refresher, to save needing to go back over nine miles of bad road ... CC Co. entirely ignored request Sept 2012 plus a serious amount of correspondence over next three months, all trying to raise a PPI claim. Account defaulted in that time through their negligent delay, plus PPI cancelled by the Bank anyway thereby preventing claim themselves! Complaint to Director about zero attention fobbed off with platitudes. Letter to be sent to Bank HO early-June 2013 summarising failings and seeking remedy including repayment of PPI premiums as the insurance was no use to me when it was required. Potentially also a mis-selling basis for claim (self-employment) SAR package PPI payments' figures (took Bank 131 days to fully comply!) produces £8K+ reclaim, almost three times the defaulted account balance.) ************** Firstly, apologies to anyone in a similar position who might have been following for their own reasons and waiting for continuing reports. I have certain health issues, which is not at all uncommon when past retirement age though I do tend to believe I am bullet-proof and then occasionally find out that I am not! I was near the end of going through the SAR package in closer detail before putting the bank/reclaim letter together, when I became particularly unwell and for the past few weeks have been completely out of action until just recently - a physical condition, but my Dr wonders about some possible stress-aggravation from all of this bank/insurance/financial fancy-footwork over the months leading up to it. My apologies also to those advising me whose support and focus has been very kind and so greatly appreciated, and who I know will always want to know how anybody's matter has progressed, and the extent of any success achieved. So then ... I picked up the SAR package again at the weekend, and sadly needed to start all over again with it but have now taken note of what it offers and over the next day or two will be getting the overdue letter off to the Bank HO. I will be looking for a refund of the PPI and associated interest based on their failure to allow access to the cover when it was needed rendering the insurance useless to me, supported by mis-selling due to my self-employment. I will further be requiring correction of account-issues arising from their long running failure to communicate with me, the insurer and their own internal organisation to be rewound and resolved with no consequence to me or I will be looking at a County Court action using the BCOB regs which entitle me to take direct court action in such matters. I also feel some compensation and apology is due, however I will not be holding my breath. Back in to the saddle!
-
Write it off? Pretty much my own reaction when seeing the actual amount which surprised me. Whilst the excess if repaid would certainly come in handy for us these days, I am not greedy and closing the door painlessly would be a decent result I feel even though in an ideal world it would be nice to see a little bonus on "my" money from the past 10 years. I'm just wondering about whether to drive things and hint at them writing it off as an option now, or just wait and see if they offer it as an exit themselves. Probably wait and see, in case they either take a hard line and such an indication from me would weaken my position for what then would need to follow, or actually take me by surprise with a generous one in light of their shambolic treatment these past months. .... Unless wiser heads think differently?
-
Hi Slick, and thanks. I used the fosRunningPPI spreadsheet from here advised by dx100UK, with compound interest at the account's rate plus 8% simple. The 8K is nearly triple the account default balance!! The word "writeoff" comes to mind .... ... also the word "apology" and maybe even "compensation" but I believe those are absent from their vocabulary. Your recommendation makes every good sense and I will write in those terms at this point and see what response follows. A small point of clarification: Same result but slightly different circumstances: No claim was ever made. I was trying constantly to raise a claim for many weeks but was completely ignored. No claim-papers provided despite initial request and seven subsequent recorded/signed-for letters requesting action enabling claim to be raised and account to be stabilised. Have never had a single response to those to this day. Then while complaining at Director-level the bank's system cancelled the PPI because the account was not receiving payments. This stemmed however from their complete inattentiveness preventing a claim ever being made and payments reaching the account to stabilse it .... and then improperly cancelling the insurance so a claim couldn't be made anyway .... and finally not taking steps to restore the insurance which the Insurance Company advised me would allow them to make backdated payments returning the account to proper order. But whichever way you cut it, a complete and utter shambles as you say! WAY late for me and about to head for bed, but thanks for the further guidance now, it is appreciated!
-
Update a week later, and a query. I have been going over the SAR package, relating one thing to another to see what insight might be gained. So, moving forward now ... Simple recap: Tried to raise a claim on my PPI 8+ months ago, was completely ignored for many weeks and effectively dismissed when complaining at Dir level about zero attention. Account defaulted while this was going along, and PPI cancelled by the Bank thus preventing a claim anyway! Letter of complaint earlier this month to Bank HO per advice in posts 19 and 23 on this thread, summarising failings against a timeline and seeking explanations and remedies including repayment of PPI premiums as the insurance was of no use to me when it was required. Accurate figure to follow on receipt of SAR info. Using the spreadsheet here has now provided a claimable figure of just over £8,000, and I will be following up, quantifying the sum and requiring a full response to my complaint. I would like to put some serious bite in to this to avoid the impression of merely posturing, so can anyone offer suitable references I could cite which underline their legal/professional obligations requiring them to give proper and particular attentions? Anything in BCOBS apply? Anything further? Thanks! Specific forms of words would be most useful as a refund and explanation/apology is not expected in their reply anyway so I really need to get their full attention now for the benefit of whatever next-steps their actual response requires me then to take. A second question please: It has been pointed out to me that being self-employed at the time (though now ancient and retired!) I have a probable basis for a mis-selling PPI reclaim and this should be mentioned in the above follow-up letter. I am not clear whether it is suggested to actually commence a mis-selling reclaim and be demonstrating strong positive intent already at the time of writing, or initially just point to it as it as a second basis for claiming PPI repayment on top of their non-performance, and see what response follows then move accordingly?
-
No not a continuous-stationery type of bulky printout ... but a small tree's worth of A4 photocopies and screenprints etc from each of a number of internal departments providing what appears on each of their systems/records regarding me/the account. The largest single document "set" is 10 years worth of statements, and the rest spans customer contact dept, insurance dept, internal admin depts and more plus a quantity of individual documents/papers/notes across all departments/respoonsibilities. Altogether a mix of internal and external communications, account data and suchlike. This afternoon I have found that a fair portion of the admin-documents list out categorised information against letter-codes, much of which only has relevance to internal processes where those codes are shorthand to cross-refer between levels of information. This is probably useful if you want to access the "workings", and codes are provided so that you can inteprret all of this if wanted/needed. Still going through and making top and tail of some of these things, though happily my primary need is for all the statements anyway which are right here. I'll probably have noticed more after spending further time the next day or so and taking more notice of individual content.
-
Sherlock Holmes magnifying glass at the ready! Regarding the missing items, I know of these just because thy are letters that I wrote and which were tracked/confirmed as having been received. But of course, they were never replied-to because "we didn't receive them", which really is a laughable assertion given the number and relevance of them let alone the delivery-proofs! However, given their absence from the info just received - deliberate or otherwise - I would expect that if I were to point out that they were missing they would re-state that they never received them so had not held anything back, had sent everything as required. I could of course respond saying something that amounted to "of COURSE you never received ANY of them, oh look there's a flying pig!", however they couldn't then send them having already stated categorically that they had never had them, which would also then dig them in to a deeper hole as far as the whole ignoring-me-for-months side of things is concerned! Oh but hang on! ... how cool would it be if some office-grunt got the job of responding, checked the file without being aware of the need for caution, and found my letters if they haven't actually been conveniently disposed-of, and sent them along to me with apologies for their omission, thereby proving that they were received after all but had been deliberately ignored?! Hmmm .... just maybe I might. Paranoid? Me?!? But in any event, the paradox in requesting uncertain info is that you receive what you receive but unless you have specific knowledge/awareness how do you know whether there should be more or not. Sitting at my elbow I have what looks to be about two reams worth of papers, quite a chunk I would think but for all I know maybe it should be twice as much or maybe even ten times as much! I can see that the account statements go back to day-one which implies that the other bundles of papers are complete records too, whether taking up many sheets of paper or just a handful. For all I know however that could be completely wrong. There's other things as well that suggest it is a full package, such as my CCA which I didn't expect to be included and had already requested separately for £1 and had received, though there are very few screendumps and I had expected to see more such system-based material though I can't say why. And then there's the absence of my ignored letters, and it has also just come to me that from memory I may have actually received more system-generated letters than are included now as hard-copies, though perhaps they may well appear somewhere in some form as a "letter-sent" entry in one of those system-progress screen-shots ... So without knowing exactly what should have been sent, other than possibly my unanswered letters I can't say what's missing if anything. It is certainly the case that I have a full set of statements however, so in that regard at least it should indeed be all systems go. Tks!
-
Thank you dx, greatly appreciated! I will use the fos sheet, as right now I *just* need to establish the figure in order to follow-through on my recent complaint letter to the Bank HO advised by ims21 in post #19 and Slick132 in post #23. I have two bases for reclaim: 1) having the benefit of the insurance completely blocked when wanting to raise a claim, and 2) mis-selling (self-employed). Whilst my complaint letter will likely not itself lead to an instant roll-over, the double-basis for repayment plus the amount of the claim will hopefully get their attention. For general info: Much against expectation the SAR paperwork received runs back to the opening of the account after all and is not cut off at a 6-year point. It includes information from various departments, and I have quickly noticed that the Customer Contact bundle does not include any of my more recent letters attempting to have matters addressed and taken care of, none of which were ever replied-to despite many being addressed to named individuals and all being sent by recorded or special delivery. What a coincidence. Hmmmm. Usefully however there is a transcript of my conversation with the Insurance section in which I was told that the Bank/system had stepped-in and cancelled the insurance despite my wishes to claim upon it, completely contrary to an assurance I had been given that after checking, all was in order for me to make a claim. I will be leafing through everything more closely this afternoon to get a full idea of what has been provided, and will be completing the spreadsheet across the weekend as I now have all of my statements from #1 to the present. I will then follow-through on my letter of complaint, which to date has not been replied-to anyway. NOTE, and a questiion .... Given that my letters and/or any replies (!) are not included, but are available as copies of course along with the confirmations of posting/tracking/signatures, it seems appropriate that I should snap-back pointing out these clear omissions which were known to have been received despite remaining unanswered. .... maybe also raising concerns about other information possibly being absent and needing a check undertaken? .... to show that they are under scrutiny against known facts, that they are dealing with someone having a strong focus and robust intentions, and that any fobbing-off will not be tolerated? Worth taking the time? I'm also minded to include a line mentioning that having taken 134 days, two lapsed undertakings and the threat of Court proceedings to get things together when their response is a max 40-day formal obligation, ANY omissions really aren't acceptable nor would be viewed as reasonable in any subsequent Court/formal process. More as anything develops, and my thanks to all for the continuing guidance without which this would all be extremely difficult and at best one-tenth as relevant!
-
Dropped in to the Post Office yesterday to send the completed N1 to Salford regarding Bank's non-compliance with SAR, with lba, or with subsequent undertaking to comply by 5 May. When I got back there was a card through the door from UPS who had tried to deliver a parcel. Yes, you've guessed! When some things happen they do so in the most inconvenient way possible! I called UPS to arrange redelivery and also find out the sender's identity just to be sure, despite having given up on them completely and started legal proceedings after allowing them two opportunities to act within the rules, plus a grace period after they defaulted on their own 5 May final-date. I stopped the cheque and called Salford to cancel the claim when-received, and spoke to them again just now and all was taken care of. But ... very annoying! So, for the benefit of someone coming here later for research, take this as yet another sign that, contrary to a wise old saying, Banks are the dead horses that you positively DO have to keep on flogging!!! Okay, so to move on ..... The package is being redelivered this afternoon. It is probably too much to hope for that the information provided will be complete, and I am already expecting that whatever has been supplied will have a 6-year cutoff anyway whereas my account goes back to 2003. When initially reading anything and everything on these forums in order to start learning, I read a few accounts of an established and quotable case of "Abcde vs Vwxyz" where the 6-year cutoff for historic info was entirely overturned. This had been cited further times and continued to aid others to obtain a full DPA/SAR response. I have tried finding a reference to that again in readiness, but now that I want to, I can't! Does anyone know what I am referring to, and can help with a pointer to it? Thanks. On the off-chance that the info received does go back all the way however, I will now need to calculate the amount to be claimed in repayment of PPI payments + interest etc on the Credit Card account concerned. I need this for my follow-up to my recent HO letter of complaint as well as for any separate PPI-reclaim action. I know there is a spreadsheet that I can enter amounts and rates etc in to for that purpose, but when looking before lunch I found references and links to different spreadsheets and different purposes. So could someone confirm which one I need for a monthly-premium ppi payment on a credit card, and also the interest rate that I should input as I am now very confused about that after reading different things - 8%, "the card-issuer's rate on the account", 24.5% which I saw explained somewhere but can't find again now, and even a reference to 29% according to my notes. Thanks!
-
Thanks Slick: Ah, I see ... although the costs are by far secondary and my true requirement is for compliance with a twice-defaulted legal obligation, the compensation for postage/time becomes the Primary in order to open the door, and compliance with their legal obligation - which The Law might be thought by most people to consider to be a tad more important after it has been snubbed twice already - gets to ride on its coat-tails. Interesting game . And thank you, I'd already noticed from elsewhere the large expectation of Salford initially dropping the ball ... *sigh* But I'm perfectly prepared to ride things out, because the SAR info being sought is not of course the sole focus of my attentions which are actually addressing a far pricklier matter, the Bank's total lack of attentions at any time since first wanting to raise a claim on my PPI 8 months ago now as set out earlier in this thread. I have already written formally complaining to the Bank HO providing a schedule of events including ignored correspondence, wrongly cancelled insurance and more, generally in accordance with your own advice to do so (post #23). Within this the return of PPI payments is sought on two sets of grounds, mis-selling (self-employment) and also because when the insurance was needed it failed to offer any assistance. The SAR info therefore is to allow me to represent firmly the accurate repayment involved once the numbers are all crunched, and going back to 2003 that is likely to be a tidy sum regardless of any further recognition in compensation of their other failures. But anyway .... Thanks for your valuable steering now too regarding Salford/N1, and this will be off in the post in the morning. Special Delivery I assume, as Recorded Delivery no longer exists as a specific category, just "signed-for" which is not however trackable? CitizenB (A!) : Thank you for that link, a very bolstering tale indeed and very much to be applauded, though I do observe that SAR info, again the central requirement, still only arrived in dribs and drabs, and then also not fully covering the necessary timespan if the Defendant's Solicitor's letter about computer/records changes was actually to be believed. Most blatant and appalling fancy-footwork right under the Court's nose I would suggest. But not disheartened ... onward! Thanks a bunch - from Interflora!
-
Hi! I had expected as much re Salford, it seemed such a logistical nightmare otherwise! Not expecting a hypersonic response I had posted prior to popping out for just a couple of hours to take care of something, thinking to check when I return. I didn't even get half way to the door lol. Gtg, back in a while and thanks for looking in to those other quick Qs.
-
Thanks Slick ... Update: Having allowed the suggested few days grace in consideration of last week's Bank Hol, I have still received nothing in compliance with my earlier SAR despite my subsequent lba and their response to that undertaking to comply with the SAR by 5 May. So I am going forward with Court proceedings accordingly. I note that the Salford Claims Centre is more fully called the County Court Money Claims Centre, and from their website appears entirely slanted toward recovering sums of money through the small claims process. I feel that I should therefore check that this is in fact the right place for a claim asking for an order for SAR compliance? Quick questions if so: - Does Salford adjudicate, or instead allocate to the/a local Court and then notify it has done so? And local to the Claimant? (Atttending a Court half way across the country if needed would be more than just inconvenient.) - I am not claiming money so can't use their sliding fee scale. Just go with the start-point on that scale? - I can adjust the above POC no problem for the N1 form, do I need to add copies of the SAR, the subsequent lba, and their response committing to compliance by 5 May that I will be referencing in the particulars? - Para 6 POC relates to damages, which I presume is where reimbursement for postage/time/etc is claimed. I note that the wording states "I estimate this cost to be ...". Is it sufficient just to insert the total there, or is a supporting breakdown required? I can include the N1 fee in that, yes? Do I need to do anything else in support? Thanks to all for the guidance so far, though I suspect the need may well escalate!
-
No reply/compliance yesterday or today, so doing so by 5 May as specified is now formally defaulted even taking account of the intervening weekend and Bank Hol. "Next moves"? ... to complete N1 and take it in to my local Court I presume if nothing arrives by the end of the week, unless I have missed something? That was the basis upon which I agreed to their 5 May undertaking, as was advised to them in my acknowledgement letter at the time.
-
Duplicate deleted
