Long time with Eurodebt...

[solomondogs]

Good afternoon,

 

Time's up for the original SAR to Moneysave today, may I ask what is the next step, shall I just send them a reminder or is there an official route?

 

Many thanks..

[unclebulgaria67]

Wait say a week and then send them a chaser complaint if not received.

You can escalate a complaint to the ICO, if an SAR is outstanding for more than 2 months.

[solomondogs]

Ok will do..

 

Incidentally I opened a noodle account today to check what records are available and it seems only one of the Debts held that Moneysave were 'looking after' is listed, any idea why this is?

 

Many thanks.

[dx100uk]

Debts are removed when defaults reach their 6th birthday

When did 40 days expire?

[solomondogs]

Ah ok the Capquest is the one still listed but thats way over six years as well, and they're listed as the lender which they weren't?

 

40 days were up today..

[dx100uk]

they purchased the debt they become the creditor in all but the physical sense

 

you need to get reading up

 

give the sar atleast another week.

[solomondogs]

I do (!) and will...

Ok will give it another week..many thanks.

[solomondogs]

Good afternoon,

 

Latest update is that I received a letter from Capquest today informing that they will no longer be managing my account and that it is now managed by NCO Europe Ltd who will be writing to me shortly...which will be nice..!

[dx100uk]

same lot

[solomondogs]

Good morning,

 

SAR returns from MBNA on Saturday, two accounts that appear to have been lumped together, both show over limit balances on 22/12/2003 and 10/01/2004 which coincides with when I turned to Eurodebt/Moneysave.

 

One has 'charge off adjustment' dated 30/06/04 followed by 'Zero CURBL on sold account' dated 07/07/04, the other has 'charge off adjustment' followed by 'Zero CURBL on sold account' dated 03/08/04.

 

Still no reply to the SAR from Moneysave, the 40 days were up on 21st October, so I shall send a reminder today..

[Old Cogger]

you do not remind them, contact the ICO and complain, they will soon supply the SAR

[solomondogs]

OK will do..

[solomondogs]

Good morning,

 

The paperwork from Moneysave turned up yesterday, its quite a lump!

 

I've been going through it and there are some FF's which I wasn't aware of.

 

As I remember I paid off two small amounts directly several years ago now, (Probably should't have but what's done is done).

 

One I think was Monument, the other was on being taken to court by Bryan Carter, it went to an arbitration type procedure and I agreed to pay a reduced sum.

 

However there are four on the paperwork that I don't recall hearing about,

I'm currently trying to cross reference with the correspondence they have sent me,

they all have the same reference/account number

whether it is a proposal and the proposal was just acknowledged i have no idea..

 

01/03/2009 mail received F&F proposed by creditor, Abbey/Equidebt balance £2480.73, offer £1240.36. Full and Final accepted 01/03/2009 (according to the time it all took 12 seconds!)

 

14/11/2011 mail received F&F proposed by creditor, Santander/Equidebt balance £2188.25, offer £656.48. Full and Final accepted 14/11/2011

 

26/01/2012 mail received F&F proposed by creditor, Santander/Equidebt balance £2169.97, offer £325.50. Full and Final accepted 26/01/2012

 

15/05/2012 mail received F&F proposed by creditor, Santander/Equidebt balance £2142.55, offer £535.64. Fulland Final accepted 15/05/2012

 

lastly I have a copy of the original credit agreement for Black Horse, it was a credit agreement taken out for a motorcycle in the early 00's and it is neither signed or dated by me or on behalf of black horse...

 

I'll keep sifting through, is there anything specific I should be looking for?

 

Many thanks..

 

In addition to the above on the 17th March 2017 five creditors were removed as they had been on hold since 2007 they were:

 

CapitolOne x 2

MBNA x 2

Monument x 1

 

and as a gesture of goodwill they reduced their monthly management fee from £47.75 to £36.00, which was nice...

[solomondogs]

Good morning,

 

Having been through the paperwork the copies of any correspondence stops in November 2006.

 

I have a copy of their diary which lists all phone calls and correspondence from creditors and myself to October this year

 

I have no physical copies of any of it from 06/11/2006,

most notably anything to do with full and final offers.

I'm guessing a letter sent asking for copies from November 6th onwards?

 

In relation to the full and finals in each case there is an invoice fee attached in order of the above £62.02, £76.59, £92.22 and £90.35.

 

I far as I recall I've never been made aware of these and definitely not any extra fees.

[dx100uk]

so time to look at their T&C's for the time if you have them?

[solomondogs]

Good morning,

 

no T&C's I'm afraid, all I can find is a 'further information' sheet which i've attached, I don't think there is anything relevant on it.

 

A further look through last night seems to confirm that the correspondence I have are those letters that were sent to me and then forwarded to them, these stopped around mid 2006, from that point creditors have corresponded direct to them, they have listed in their diary 'mail received', 'mail received from creditor' etc. But i have no copies of any of this correspondence this also includes the F&F offers and acceptances.

 

Does this warrant a further enquiry for T&C's, plus the remaining correspondence and more importantly the F&F's?

 

Many thanks.

Edebt further info.pdf

[dx100uk]

I would really be pushing for info like T&C's of where they state and you were told they could charge all these 'fees' they have for the work they have supposedly done.

dx

[solomondogs]

Yes indeed, I'll get a letter off today. Many thanks.

[solomondogs]

Phone message left last night regarding letter they received asking for original T&C's plus further documents form November 2006 that were not present,

 

have been asked to ring back,

 

I would rather a paper trail be left rather than phone communications.

 

Is it worth ringing back and minuting the phone call?

[dx100uk]

urm somethings going on then..

probably trying to wriggle out of having to supply them re all these naughty extra fees.

 

can you record a call?

[solomondogs]

Good afternoon,

 

No, I haven't the means to record a call I'm afraid.

 

On the paperwork I have been sent they have given a description of each phone call between themselves and me, time, date and brief explanation of the content of that call

 

I'm thinking if they ring again, I'll answer, minute that call and then send a letter with the minuted phone conversation and asking once again to provide details,

its a bit of a pain but I don't mind keeping the pressure on if they're trying to hide something or not provide it..

[dx100uk]

oh I can guarantee they are trying to hide the fact there are NO T&C's that state any of those supplementary charges

pers I wouldn't be tipping them of either.

[solomondogs]

OK, I'll stay quiet for a bit and see what they come up with, the balls in their court after all. Many thanks..

[dx100uk]

http://news.bbc.co.uk/1/hi/programmes/politics_show/7852225.stm

[solomondogs]

Yeah, that sounds very familiar..