Search the Community
Showing results for tags 'reply'.
-
Hi Everyone, i have requested a SAR on Natwest Bank and also Barclays, so far Natwest have replied back with their first letter. The objective of my SARS is to attain my old statement, fees, transactions and charges to claim back on and also for PPI. I know I have had a lot of bank charges as I used my Natwest account when i was a student and really bad with my money! I have attached the letter which Natwest have sent back, i was hoping someone could shed some light on what I could reply via email with? They have mentioned statements now can i say I just want ALL the information and statements available or I remember reading somewhere to specifically state i want all bank charges and fees? I typed up the below to send them, unsure if it is any good? Thank you for your letter of acknowledgment to my SARS request. As my letter states, I require ALL relevant documentation linked to my name, therefore I would like all statements including bank charges and fees to be provided to me, from the date my account was opened till it was closed. If you are concerned about the environment I will consider having it emailed over to me from an official source along with a written letter confirming what has been or will be provided via email to me, this is to ensure its authenticity, it is also proof for me should matters escalate due to any data violations and unlawful SARS violations. I should be informed of any documentation that cannot be provided to me via writing or email correspondence.
-
I have had a reply from MBNA/Link to my CCA Its 16 pages long along with a statement of all the payments made (I have had to split it into 2 parts so not to reach the max file size) (I have paid £1500 off the total so far) Its not in my credit file at all I would be grateful if someone could have a look over it and give me their opinion. Thanks
-
Credit Card-MBNA -Account start date 05/2006, defaulted -06/2010 at £6550. Noddle currently shows that I owe : £5250. I found a letter dated 01/09/2010 from Experto Credite advising me that Varde Investments(Ireland) Limited has bought the interest of MBNA Europe Banks Limited and they are legal owner of my account. ‘Under the terms of assignment Experto Credite Ltd has been appointed by Varde to recover any and all outstanding sums.’ I paid Experto Credite £20 on monthly basis until Aktiv Capital contacted me to inform me that they have taken over my account. They agreed to the £1 monthly payment in 2013 (which was agreed with Experto Credite already I think) and since then I have been paying it. I noticed just recently that on my Noddle report instead of Activ Capital, PRA Group UK has taken place as a lender.The last letter I received before I moved away in 2013 was from Aktiv Kapital ltd. I have been paying them £1 for more than 2 years. Now I want to update them about my new address and request CCA but they are no longer Aktiv Kapital ltd. They are PRA ltd. They probably sent me a letter to notify me at my old address... Their bank details are still the same so my £1 has been going to them and they update my Credit record file regularly. I called the Aktiv Kapital telephone number from the letter I last received in 2013 but PRA answered. I did not introduce myself - just asked them to who to write and they explained to write to PRA in Scotland not to Aktiv Kapital in Bromley. Who should I address the letter to: PRA or Aktiv Kapital or both? What do you think? My address: Their address: Aktiv Kapital(UK)Ltd/ PRA ltd 2 The Cross Kilmarnock Scotland KA1 1LR Date: Dear Sir or Madam, .................. or My address: Their address: Aktiv Kapital Ltd 2 The Cross Kilmarnock Scotland KA1 1LR Date: Dear Sir or Madam, .....................
-
Hi All, I had started a CCA process with Idem servicing with the OL being Citi Financial. I took out the loan in 2007 and have had a minimum payment going out. All payments have been stopped whilst my CCA request is in process. Idem promptly replied within the set time of 12+2 days with many copies of the signed contract with Citi financial, i just want to make sure that what they have sent is enforceable, if so should i resume my payments and send a F&F offer to them. I have uploaded the documents that were sent to me.
-
I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and natwest? On my credit file are these four defaulted accounts Lender Idem Capital Securities Current Balance £1,868 I am paying this via direct debit reduced monthly installment at the moment, this has been passed from Agilent to Moorgate and now to Idem and I it was so long ago now I cant even remember who the original company was who I took a loan out with. Lender NWB Current Accounts Current Balance £1,691 It says I am paying £5 per month but I cannot see any standing order or direct debit going out of my account for £5 per month, so I have no idea what is going on with this account. Both Barclays & Natwest overdrafts have been passed over to DCA I am sure of it, but I am unclear on who they are or what is going on with these accounts. What shall I do? Do I chase up with the actual banks to see what information they can pull up (send SARS) Lender Barclays Bank plc Current Balance £1,590 Similar to my Natwest account, I do not have anything on my bank account showing I am paying them, yet it shows I am paying £18 per month, once again I do not know how to handle this and whether I have a DCA I am paying, I haven’t received any letters for a while and I don’t have a clue what I should do. Lender MKDP LLP Account Type Credit Card Current Balance £264 Finally I have a PRA Group direct debit set up for £8.86 per month but yet again I don’t know what debt this is for now, as it seems to have been set up some time back, with moving and getting married last year I lost a lot of paper work and I cant remember what DCA is for what account and why now. DCA payments: Idem Robinsons Way this is on my credit file under MKDP (are they the same company?)But there is nothing on my credit file saying I am dealing with Robinsons Way PRA Group £8.86 No clue whatsoever why I am paying this and for what account.
-
Hi there, I'm new on this forum and I don't know exactly how it works. I did a bad mistake too. I was caught with apparently fake photo card issued by job center with 50% discount. I've purchase it from a guy in Canning Town tube station saying it's valid and it did work.Thinking I can save some money and it's legal was very happy ,but after 3 weeks using it an Inspector caught me saying is a fake one.. The only problem is I've done a similar mistake about 3 years ago...this means i'm a recidivist ? Can you please help me out with advise what to do and how to reply to the letter i received from tfl? Thank you! -
Dear all. I am new to this forum,I have already posted a comment about Speed Credit/Toothfairy,or whatever they want to call themselves.But as yet,it has not come up in the forum. Are Barclays aware that they are dealing with a loan shark company,when they accept money into the following account. Acc.no....93462382 Sort no...20-50-94 Or maybe the host of PO BOX1933,Radstock,BA3 4YF are also not aware of the dealings of Toothfairy Finance. I wonder if Barclays charge Toothfairy for each transaction.If so,maybe if a few people,the more the merrier,were to deposit 1p into the above account,it would create a loss for Toothfairy. Regards,John. -
Hi all, Im at a complete loss. I got a ccj claim and thought id filled it all in correctly - wasn't entirely sure what the debt was, Im thinking a payday loan that I abandoned. I filled in acknowledgement of service and defended the claim using information I found through researching my problem and using an appropriate template from here or so I thought. I got a Notice of proposed allocation to the small claims track and have to reply in a few days and I don't know what I have done. Or more importantly what to do. Ive buried my head in the sand and Im just at a loss with it all. I think Im getting somewhere with my debts and then I go and mess it all up (sorry I know that is very woe is me) Having a really tough time at the moment with home life and anxiety and this is just pushing me to the edge. Just sold our home to move into rented accommodation and the last thing I need is a ccj causing me issues with renting a place Can anyone please advise? Many Thanks -
I am new to this Forum. Thanks for the great works you all do here. This is my first post. I am helping my wife who made a claim against Lloyds Bank plc, for refund of mis-sold insurance protection products (IPP) premiums. She obtained judgement in March this year. But Lloyds applied to set it aside and filed a Defence. The amount claimed is £1,274. We have drafted the Reply to Defence, which we have to submit on 17/08/15. But the Reply, (together with the Defence) need looking at or reviewed before we submit. Please, I should be very grateful if someone or the administrators or moderators can send me your email so I can forward a copy of the documents for your review and return by Friday 14/082015. Many thanks in advance. Good-doer -
my work contract states that I have no fixed contracted hours but I have been doing the same pattern of 48 hrs per week for over a year. I am being paid holiday pay based on my last 12 weeks average hours, which is less because of christmas day and new year closure and also some reduced hours for christmas eve and new years eve. I believe I should be paid holiday based on 48hrs per week which is my normal weekly hours, can someone advise me of the correct holiday calculation that should be followed.
-
Sorry trying to attach edited copy of response but keep getting an error message that I have exceeded my quota ? Please can someone kindly assist in fixing problem. I have had a reply from Window Company who have cashed my check stating that under the contract reference I quoted, the current info they have is our previous address details and contact numbers. I did mention that we have since moved and provided evidence of both addresses and mentioned if any further evidence required to kindly advise. They also state that the information is stored on their electronic database and is not to be shared with a third party ? Have they failed to respond correctly ? If someone can assist I will load up response. Cheers Baz
-
Hello all, Thanks in advance for having a look at my post. I've been abroad since finishing university in 2004, while my loan was taken out in 1999 making it a new style loan. No contact was made by either side (i did not tell them I was moving abroad nor gave any info about my work life) until march this year when my old UK address received a letter asking for income info. I sent a reply stating I am abroad and working and an SAR to boot. 2 months later no reply. I am about to sent the "no reply to SAR within 40 days" letter but I'm worried about follow up. I no longer have an official UK address, will this hamper me going through the county courts? What can I expect to gain by doing so over data protection? I hope I've been clear General advice would also be most welcome! Thank you, dale -
We've had two letters today First letter: Notice to owner date of contravention : 27/01/2015 letter dated: 02/03/2015 received by us : 11/04/2015 Apparently we parked in a parent & child bay with no children, we do have two children under 6 but cant say for certain if they were or were not present ( though child car seats would have been visible within the car regardless ) amount: £70 second letter Debt Recovery Plus date of notice: 09/04/2015 received by us: 11/04/2015 demanding payment of £120.00 no later than 23/04/2015 Both letters have arrived today, almost three months after our contravention who would I write to and what would I write, I recall a template of an appeal here but cant locate it. many thanks
-
Hi friends, I tried to search but most of the template letters are designed towards claiming single payment PPI, especially, for fresh cases. Mine on the other hand were monthly payments and they were stopped by Barclays in 2005. Why? Because, I claimed back some of the money Barclays had been charging me in the name of their Additions fee that I had never opted for. This probably prompted them to also stop my PPI immediately. And yes, I did not know what PPI was all about at that time. Now, I wish to take up claiming back the PPI Bacrlays charged me over a period of 9 years (since 1996 to 2005) My questions .. 1. Can one claim back the PPI they regularly paid some time ago in the past? 2. Do I need to first ask for my policy details, or should I simply write to them that this has come to my notice and was a mis-sale. 3. Is there a template on this site for the first letter I should be sending to the bank? Help me. please Hugs Autumn -
Hi all Just looking for some advice on timings. I posted 3 CCA's to Lowell on Friday 20/02/2015. Would I be right in thinking they have 14 days from receipt - so basically by the 9th March? Should I be doing any preparation now in the event they do not reply or are unable to fulfil the request? -
I took out a car insurance policy with Hastings last year. It came up for renewal so naturally I compared prices and found a cheaper policy with Axa. Everything went through fine with axa so I thought nothing of it until I received an automatic email from Hastings congratulating me on renewing - Help!! I pay yearly and am on a tight budget so immediately emailed Hastings to report the error, with evidence of my new policy. The next day I go into my bank and find that Hastings have already reserved the money - which I can't cancel. I arrive home to find the FULL YEARLY AMOUNT over £500 has come out of my account. This takes me massively overdrawn as I have just paid almost the same amount again for my new insurance policy with axa. So now I am paying interest on my overdraft, have no money for food or to buy petrol to get myself to work..........and no reply to my emails from Hastings! Seems a little too convenient that they would ignore the fact I have chosen I different company when a whole year's premium is tempting them! Can anybody help resolve this quickly? Thanks
-
ive had a letter today about my wifes loan account which has 7,291.54 remaining outstanding I have requested the CCA and also wrote to Lloyds tsb and requested the SAR. these are still in process at the moment. cabot have received my letter about cca but ive had no reply but they did reply to the other 2 credit cards which I requested the cca for which they said they would hope to have the info within 40 days. t for the loan today I received this odd letter Dear Mrs S****** Contacting Cabot please call 0800 328 0708 (minicom: 01732 524630)urgently, and speak to one of our helpful customer advisors about your account. our aim is to help customers get their accounts cleared so do contact us soon. yours sincerely Chris lambert that's exactly as its been written on the letter it just seems really odd theres no reason why they want to speak to me or anything any ideas peeps?
-
I've recently bought a car, and after speaking to some friends a question has arisen about the receipt. When the car dealer wrote the receipt they put "spares or repairs" on the receipt, this seemed strange, as the advert said that the car was in excellent condition. When I asked the dealer why he had put this he said it was just a way of writing sold as seen. My friends seem to think that both of these are shady practices, that a dealer selling to the public cannot mark a receipt with sold as seen, and that advertising a car in excellent condition, and then writing spares or repairs on the receipt may be the dealers way of trying to absolve themselves of responsibility in the event that a problem arises with the car. Can you please advise if I should be worried about this? and what if anything I can do about it - I bought the car from a dealer rather than a cheaper private sale because I wanted some reassurance that I would be able to seek recourse in the event of an issue, and my friend seems to think that this may complicate that? I emailed the garage the following: Hiya, myself and my dad bought a car from you the other day. So far it is fine but I have spoken to people and I am not happy with the receipt that you gave me. I bought a car that was described as 'excellent' condition, the car is in excellent condition but you wrote a receipt saying spares or repairs. This is not the terms the car was sold under, I would like a new receipt to reflect this. Would you be able to post a receipt or should I come and collect one? And this was the reply: Hi Becki, We sell all our cars as spare/repairs unless you buy warranty from us, that's the reason our cars are better priced than others. If you are not happy with the vehicle or the receipt,please bring the car back within 48 hours so that we may re-advertise it. This is just out of curtsey as you were not fully aware of what spares/repairs mean. After 48 hours of this email your receipt will stand and the offer of refund will expire. Just to put it in perspective the retail value of your vehicle is £4200 according to Parkers but we sold it to you for £3400. Kind Regards Professional Cars LTD 01753 780182 07788 929755 This seems fairly dodgy to me. I've emailed trading standards but I don't think I'll get a quick response. Please can someone give me their opinion? I'm really worried and stressed as only just dealt with one dodgy car and now landed this. My husband thinks the clutch seems high also, so if it goes I need to know what rights I have. Sorry for the long rambling post, I look forward to replys, thanks for your time! Becki:help: -
Can anyone tell me if i can do anything about this i have recived today a claim form dated the 2/2/15 i went to reply but noticed i only have 14 days from the date of the letter which ended two weeks ago what can i do it is for an overpayment of wages, i recieved a letter stating i was over paid in january then this, i dont believe i have been overpaid and now i am definetly trying to look into this. It looks like a judgement will be made against me but it is not my fault i would of defended it if i had got it in time. -
Hi, I recently requested a CCA from HSBC for my credit card. They answered with "I regret the bank is unable to act upon your instructions for documents under Section 78 of the Consumer Credit Act 1974 for the following reason. .Missing signature " I thought i had read on a different thread that i did not need to sign it? Advice please -
What does everyone make of this ? It's a reply to my recent Statute Barred Letter to Honours Student Loans for a Loan taken out in 1994 Basically they are stating my Statute Barred claim is void because I haven't informed them of any changes of Addresses I've had, is this true? Do they have a case? Do I ignore the letter or reply? I'm guessing quite a few people would have received identical letters.. Thanks -
Hi I have 2 overpayments currently being reccovered from my ctc these are for 2011/12 I have being disputing and complaing etc since then. I have all my sars data with parts missing have wrote complaint about missing data also contacted my mp who contacted them. What i am wondering now I have majorityof call reccords and screen shots I feel it should go to offical error, however was wondering if i should await response from ministerial complaints or carry on and submit letter of official error. -
Hi Guys, I sent a letter requesting a CPR 31.14 from Restons solicitors. This is the reply I got can someone please help me as to how I should respond? Thanks
-
I am self employed and my earnings vary a lot often for a short period oftime. My housing benefit claim was already close once because my earnings weretoo high. However the problem is that my earnings vary a lot often for asmall period of time and it is inconvenient for me to make a new claim forhousing benefit each time my earnings vary. I would like to know how to explainmy situation to the housing benefit department to avoid that my claim is closedeach time my earnings vary temporarily I would like to know if there is a specific law for self employer or if I have to file a specific form -
hello all i am need of some assistance, i recently had a ccj claim filed against me from mortimer clarke on behalf of marlin capital. I defended the claim on the basis of statute barred, i received a letter today from mortimer clarke saying that according to marlin the debt was not SB as i had made a my last payment in nov 09 my question is what do i do next? could this be a scare tactic from them? do i ask to see proof?
