Monument Cca

[Dotty50]

Great thanks Herman

 

Letter prepared to be sent tomorrow, will post further progress as and when.

 

They have my mobile number, which is a pity as they sent me a text today!

[Dotty50]

Update, still getting the odd texts to contact them. PLEASE DO NOT DELETE THIS MESSAGE!!!!!

 

Received a letter today, because they had previously issued a letter in 'Final Response', they will not engage in any further correspondence and any future correspondence will be filed.

 

They have however, forwarded my letter to the relevant dept regarding my query concerning the Payment Break Plan.

[Dotty50]

Goodness they are persistent wotsits with their phone calls!

 

Did answer my mobile and spoke to them yesterday, she didn't ask any security questions, only quoted the card number!

 

Told her awaiting response and she asked if I meant S78 and confirmed that final response sent in January. I said it was about payment break plan and she said nothing on record! Didn't carry on with conversation.

 

Then in the post today, to advise that they are looking into my concerns and will reply asap.

 

Looks like a photocopied letter heading, guess they are running short!

[Dotty50]

What's the matter with me! Just answered another call from them.

 

Will set myself some lines!

 

Do not answer when you know who is calling

Do not answer when you know who is calling

Do not answer when you know who is calling

Do not answer when you know who is calling

Do not answer when you know who is calling

and so on and so forth!

[Dotty50]

Just going through post from them, they sent 4 letters in one envelope! (times is ard!)

 

1 to advise that they have to write to me due to changes to the Consumer Credit Act which requires us to notify you when the account is in arrears.

 

2 A Consumer Credit Act Arrears Notice, with the OFT information sheet.

 

3 A notice advising the default sums being levied.

 

4 Advising balance and arrears, please contact etc.

 

None of them signed, guess they've run out of pens!

 

Also had a letter regarding the investigation of my complaint, they need a little more time and will sort by the end of April.

 

They are still calling most days though strangely not calling my mobile, which they have!

[Dotty50]

Hi,

 

Had a response regarding PBP, they have stated "Monument does not and has not to date sold Payment Protection Insurance". (no they just call it something else!)

 

I was offered it during a phone call as part of their standard application procedure which took place shortly prior to the account being opened in July 2001 but they are unable to review the recording of the conversation due to the time that has elapsed since. (How convenient)

 

They confirm that it was cancelled in June 2007 (I seem to remember this because I was sick and tired of many requests asking for details of what PBP was)

 

However, as a gesture of goodwill (lucky me) without admission of any liability, they will refund half of what they calculate has been paid over the last 6 years, please complete the acceptance form etc. (offered around £300)

 

All the rest is standard stuff, enforceable agreement, T & C's supplied (current and original)

 

Right, I will now calculate what I have paid, add some interest and check for any late fees (although I am a few years short from the statements they sent in the SAR) not really sure what to do about those as they would have been Providian ones, which I guess would be with Barclays.

 

As I am planning to CCA Barclays, if I do SAR to them, can the £10 fee include the Providian account as well?

 

Incidentally, no NOA was included in the SAR, so Monument have NOTHING signed by me.

 

Any thoughts/advice appreciated

[zingy]

Dotty,

 

If the Providian account has been owned at any time by Barclays then I'm pretty sure they have to supply all of the information they hold, which will include the history of transactions on the account. This was the case when I DSAR'd some of my credit cards that had been bought 5 or so years ago by the current provider.

[Dotty50]

Thanks zingy guess I had better get one off to Barclaycard asap.

[zingy]

Thanks zingy guess I had better get one off to Barclaycard asap.

 

Don't be surprised if things come in dribs and drabs - I had 5 different deliveries for one account:rolleyes:.

 

Also, they're not too speedy when you're submitting your claim either - they'll keep sending 'we're keeping you updated on your complaint.... blah..blah' - so best to keep to your timetable.

I'm off to court in a week or so if they don't respond in time for my second account with them - they already settle on the first:D.

 

Good luck!

[Dotty50]

Hi

 

Had a default notice today. Oh dear!

 

Pity they didn't get it right.

 

Demanding the arrears only.

 

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=18092&d=1272624733

Edited April 30, 2010 by Dotty50
Left personal info on

[Dotty50]

I can't believe it's been over 3 years since I posted here!

 

I've had a letter today from Monument!

 

I states that JC International Acquisition LLC has reassigned all of its rights to Compucredit International Servicing Ltd LLC (now renamed as CCIS LLC)

 

Please make future payments to CCIS.

 

I have never heard of JC International so how can they assign this?

 

I have however heard of Compucredit but can't remember where.

 

Will need to resurrect my file and see when I last heard from anyone.

[blueda]

Let us know what you come up with Dotty.

[theoldrouge]

as far as I remember Monument assigned to compucredit who tried to sign people up to a "rise" credit card with a promise of a huge discount off your monument debt, if you didnt play they then assigned to JC.So now its back to compu to try again:???: Also shame they only allowed 8 days to remedy your DN:lol:

[Dotty50]

Not heard a dickybird since!

 

I may regret saying that!

[Dotty50]

Goodness, another year on and still not heard from these and it is showing satisfied and nil balance on Noddle!

[blueda]

Looks like they have gave up Dotty.

[Dotty50]

Hello blueda, let's hope so!

 

Good to hear from you.