Pay day express help

[BRIGADIER2JCS]

Did have an account with them that

has not been kept up properly.?

 

You will need to do a CONSUMER CREDIT AGREEMENT request (CCA)to them this costs £1

send an unsigned postal order.

Use the template in the CAG library, get proof of posting, they have 12+2

days to reply.

Also check your credit reports.

Brig.

[BRIGADIER2JCS]

Send the account in dispute letter

fro the library, get proof of posting.

 

Brig.

[BRIGADIER2JCS]

That's a wait and see the should respond

to that, if not they are on thin ice I think.

brig.

[BRIGADIER2JCS]

B BNB is right any payments lower

or less frequent than those required by

the original agreement is a default.

[BRIGADIER2JCS]

I think the activation of the agreement to pay probably

had a default notice built into it.

It makes in this case I think little difference as you

have entered into the payment plan which as said is

a default on the original agreement, all they have

to say is that they have note on file that a notice was sent.

[BRIGADIER2JCS]

As said before you must raise a FORMAL COMPLAINT

with the creditor who placed the default and give the

a time limit to reply I suggest that should be 14 days from

their receipt of the complaint, copy this to the compliance manager

of the CRA.

Again as said before the CRA CANNOT amend or

remove any entry unilaterally.

MAKE SURE THE LETTER IS HEADED FORMAL COMPLAINT

and that your complaints are clear, explicit and concise,

and include copies of previous correspondence.

[BRIGADIER2JCS]

As said before you must raise a FORMAL COMPLAINT

with the creditor who placed the default and give the

a time limit to reply I suggest that should be 14 days from

their receipt of the complaint, copy this to the compliance manager

of the CRA.

Again as said before the CRA CANNOT amend or

remove any entry unilaterally.

MAKE SURE THE LETTER IS HEADED FORMAL COMPLAINT

and that your complaints are clear, explicit and concise,

and include copies of previous correspondence.

[BRIGADIER2JCS]

The creditor need only state that their

records show that a DN was sent, they are

generic letter filled with the relevant

debtor details as need, and the normally

just not the default on file and don't

keep hard copy of each individual DN.

this is best tackled without a template

as these companies have seen them all

just the same as everyone has seen the DCA's

template threatograms, a person letter I find work

better.

 

Brig.

[BRIGADIER2JCS]

No the bl**dy thing said the first was

''Too Short''??? and wouldn't let me

edit it:madgrin:

[BRIGADIER2JCS]

I wonder if as the account is settled and

your complaint is about the default is it worth

actually requiring any more information by way

of the CCA request which provides very little info,if

you want all the data you need to do a SAR.

As to the DN it's self as said they are generic

and the process is to place a note on their files

to say a DN has been issued.

Your letter I think should address the removal

of the default from your files.

 

Brig.

[BRIGADIER2JCS]

That,s the basis for your complaint then.

[BRIGADIER2JCS]

No problem, a response should be made

within in14 days I would suggest.

[BRIGADIER2JCS]

OK, The letter is fine address this to the Data Controller

at the loan company send copies/screen prints of CRA

entries as well.

Also send copies to the Compliance Departments of the CRAs

and place a notice of dispute onthe entries.

In this case I suggest recorded delivery.

 

Brig.

[BRIGADIER2JCS]

There is here the point that is confusing me

the date of the default must be the date of

the cause of action ie the last payment made

and no further payment being made

date that the entry is placed on the file, the guidance

is that the placing of the default should be timely no

more than 6 months after the cause of action.

The report should show an entry such as ''Date Last Delinquent''

that is the date of the actual default, any other date is not

relevant.

I think the only way to get information on the date the info

was passed to the CRA is a subject access request to the loan

company and one to the CRA this would show any discepancies

between the two.

 

Brig.

[BRIGADIER2JCS]

Looking back quickly I think you

should take up Ms. Myers invitation

and report to the OFT and trading standards

regarding the abuse.

What job title does this woman claim???

[BRIGADIER2JCS]

If the date is a year before the actual default date

that's one year closer to stat barred??

[BRIGADIER2JCS]

Hi, Sorry image to small to read, have you

removed identifying details.??

[BRIGADIER2JCS]

Odd indeed, in my opinion something smalls off here,

back to a SAR I think.

[BRIGADIER2JCS]

The posting of defaults and the removal of

them if unjustified is something that I have

succeeded in getting some expertise by much

reading of the ICO and OFT guidance documents.

IMHO it is a long and tiresome process using a lot

of letter tennis and arguments on interpretation of

the guidance docs , but yes than can be removed.

 

Brig.

[BRIGADIER2JCS]

Good just make sure you are clear and concise

about what you want from the SAR.

Brig.