lee_st3
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Everything posted by lee_st3
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It states this under the value of what you were owed - Unfortunately, we do not currently envisage that there will be sufficient funds to enable the payment of a dividend in respect of your claim in these proceedings. We would, however, urge you to periodically review our website for updates in case that position changes.
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Gone into administration. When the FCA banned them from operating as a Payday Lender, they also ordered CFO to redress customers who had been unfairly treated. Today, they have gone into administration, with emails from the administrator stating the actual figure owed to the individuals, but it won't be paid.
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Santander are the same for a DIP. No full credit search until you actually apply
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Thanks Stigman, i'll leave it then and hold out to see if anything does turn up. I have queried/complained to the ICO with regards to the date of default Cheers
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Hi Stigman, Thanks, much appreciated. No claim forms, they are just trying for the money. I will now send them a statute barred template Cheers
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Hi Guys, I'd be interested for your thoughts and advice on this. I was recently contacted by Lowell with regards to a very old Littlewoods account. I CCA'd them, and they were able to provide a signed CCA from 2007. Here is the interesting/confusing bit- Outstanding Balance - £183 Last Payment - 10.05.2010 Default Date - 11.04.2011 It seems it had taken Littlewoods 11 months to default the account (there was no contact between myself or them in that time frame). Would I have a leg to stand on by going down the statute barred route from the last payment date? Cheers
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Taken out 2008 It's not even a recon. It looks like they have got their hands on a standard template and are attempting to pass it off as 'my' agreement......minus any information regarding me!
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Balance of £450 with Mint. Almost statute barred. The CCA i received is a mint CCA, however, the name and address are completley blank and the credit limit is also incorrect. As for a signature, or even an online signature, there is nothing, it's completely blank other than the T's and C's in between the blank personal info section and the blank signature section
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Hi guys, I CCA'd Lowells about a credit card I had in 2010. I received a response from them, however, the name and address entries are blank and the credit limit is incorrect. There is literally no personal information held about me. So, as this is clearly an attempt at using a correct CCA, assuming i'm stupid, what's my response? Cheers
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Certainly will. It's an interesting one. Judging by the internet, they seem to have bought a load of almost SB Cap1 debts recently and are gunning for it
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You're probably right. Would only bring more letter tennis on. I'll leave it at that and see if anything turns up in the coming weeks
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I'm considering sending a response to it, something i've seen on here: I refer to a letter from Cabot dated xx.xx.xxxx., in which it is stated that Cabot hopes to comply with my sections 77/78 request made under CCA 1974. Please take not Cabot WILL comply with my lawful request within the statutory time scale of 12 + 2 working days failure to do so WILL result in a copy of Cabots letter being forwarded to the OFT/FCA, and a comment on Cabots conduct in trying to mislead me in to believing the time scale is 40 days which I am well aware applies to a Subject access requesticon Under the DPA 1998.
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CCA response received. They don't have it on file and have requested the original from the OC. Stated that they have 40 days to provide it. Isn't it a bit misleading for them to quote the allowance for a SAR request, and not a CCA?
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Pre-Action Protocol letter from PRA Group - Advice please
lee_st3 replied to NoneProvided's topic in Debt Collection Agencies
What was included on this piece of paper? I'm also pretty sure for a CCA to stand they need to send the T&C's at the time of inception and the T&C's at the time of the request -
Will do, it'll go out the door tomorrow. Thanks for your help people, much appreciated
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I have been given no notice of assignment to Cabot from Cap1 or Cabot themselves, but this is probably due to me moving address. The letter received was just a standard template 'we believe you now live at this address. Just wondering if a CCA would delay any further incoming letters from these guys till it hits SB status
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Hi all, I wasn't going to post about this until i've read another thread on here (someone has had a claim put in against them by Cabot) I received a letter from them last week stating that they believe this to be my new address. Please get in touch to discuss your Capital One account'. The account defaulted in September 2010 with no acknowlegemnts in between. Account opened in 2007. My question is, if I CCA them, will they still go ahead and issue a court claim anyway? Thanks all
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Default Notice -3 Years After? TXTLOans
lee_st3 replied to lee_st3's topic in PayDay loans and Short Term loans - General
Ok. After reading up a bit more on these guys, it seems they have never ever reported to the CRA's. If that's the case, how can they report defaults? -
Default Notice -3 Years After? TXTLOans
lee_st3 replied to lee_st3's topic in PayDay loans and Short Term loans - General
Should I get in touch or just leave it then? -
Default Notice -3 Years After? TXTLOans
lee_st3 replied to lee_st3's topic in PayDay loans and Short Term loans - General
DX, It's exactly the same as this, just found it whilst scrolling the threads http://www.consumeractiongroup.co.uk/forum/showthread.php?438648-MYJAR-Weird-Situation -
MyJar Default Notice
lee_st3 replied to ravsta's topic in PayDay loans and Short Term loans - General
The exact same thing has happened to me, 3 years on. Can they serve these notices via email? -
Default Notice -3 Years After? TXTLOans
lee_st3 replied to lee_st3's topic in PayDay loans and Short Term loans - General
Definitely an original creditor. I've just googled them, they're still trading as a TXTLoan provider under MyJar. The default notice looks like a real notice, just baffled that I've received it via email. Is that legal? -
Default Notice -3 Years After? TXTLOans
lee_st3 replied to lee_st3's topic in PayDay loans and Short Term loans - General
Hi DX, OC is TXTLoan (email received from MyJar, which I'm assuming is the parent company) At present, it's a default notice, received via email. I failed to pay the account in 2011 when it was due (time of my spiralling debts which I thought were sorted - clearly not). They now state if the sum isn't paid by 30th Jan 2015, they'll apply the default Nothing has ever been shown on any of the main 3 credit files from day 1, which is it weird is it not? Cheers -
Hi guys, I've just gone into an old email account that I haven't used for around 2 years. On the 5th January 2015, I received an email from an OC stating they will be applying a default to my CF on the 30th January 2015 if no payment is received. 2 things I defaulted in May 2011 - Why issue this so late? Can they serve a notice via email? Thanks for your time
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Payday Loan Rollover Credit Entry
lee_st3 replied to lee_st3's topic in PayDay loans and Short Term loans - General
I got one of the company names wrong, it's payday express, not express finance (Original post now edited). I'm writing to the FCA as I type and I'm enclosing captures of their websites. I'm also sending this letter tot eh companies involved. Will be interesting to see how this pans out
