Help Please

[Amy]

Re: Help Please

I am going to send an SAR to the bank on behalf of my son when i have done that who do i send letters to regarding the account being in dispute is it the DCA or the BANK or both?

Both.

[WendyB]

Re: Help Please

Make sure the letter is in your son's name ansd that he signs it. Don't sign it on his behalf or they will try to wriggle out of it under data protection etc, and say that they can't discuss his account with you. All dealings should ostensibly be from your son, in his name, even if you are the one preparing, typing, printing and posting the letters.

[sandboy]

Re: Help Please

Forgot to ask should i also still send a letter to the DCA refusing acknowledge of debt before putting the accounts into dispute?

1st DCA no acknowledge of debt.
2nd SAR to bank.
3rd dispute letter to bank and DCA.

is this the correct way to do it please?

[Amy]

Re: Help Please

It doesn't matter much which way round you do it, so long as you do do it.

[sandboy]

Re: Help Please

Need quick reply please.
Am i disputing the total amount owed to the bank or just the charges or even charges plus interest added since my son stopped paying the loans?
Am writing letters now and want to send off today.
Thankyou

[Amy]

Re: Help Please

The total because this is derived from the charges and the interest.

[sandboy]

Re: Help Please

I need a letter template to use to dispute the amount of loan owed to the bank i have searched the site but cannot find one can you point me in the right direction please?

[Amy]

Re: Help Please

As per Curly's link at post #17 and also here ~~~ Consumer Credit Agreements - A Guide ~~~~ inc. Letters - Legal Beagles at post #6.

Just edit to suit.

[sandboy]

Re: Help Please

You advised that i put my sons loans into dispute i have done this and at the same time i put his bank account into dispute as they have added charges for phone calls as well as letters.

He has received a reply as regards the bank account they will not agree to his account being in dispute and have given him 8wks to reply.

The bank have added £10 for each phone call and letter surely my son is allowed to dispute these charges especially when they were asked not to contact him by phone.

My son can no longer afford even the £1 he was paying as his jobseekers allowance is due to cease because his national insurance contributions have run out and he has not been told if he can claim anything else to replace it.

Any further advice would be appreciated please.

[Amy]

Re: Help Please

You advised that i put my sons loans into dispute i have done this and at the same time i put his bank account into dispute as they have added charges for phone calls as well as letters.

He has received a reply as regards the bank account they will not agree to his account being in dispute and have given him 8wks to reply.

Who is this letter from, the DCA? If so, it is meaningless.

The bank have added £10 for each phone call and letter surely my son is allowed to dispute these charges especially when they were asked not to contact him by phone.

Of course he is and by merely querying their existence automatically puts the account into dispute.

My son can no longer afford even the £1 he was paying as his jobseekers allowance is due to cease because his national insurance contributions have run out and he has not been told if he can claim anything else to replace it.

I really would try to keep paying £1 towards this if he possibly can.

[sandboy]

Re: Help Please

The letter is from my sons bank Halifax regarding his account which he has told them he is disputing all charges.
As for the £1. when my son loses his money what is he supposed to use to pay it?

[sandboy]

Re: Help Please

My son has had a reply from DCA regarding none acknowledgement of debt.
The credit agreement they have sent is the one which my son signed when he took out the loans also they have sent a letter accepting payment offer of £1. per month my son has not made this offer to them.
This has got me so confused I dont know which way to turn.
Should he pay the £1. just to keep them off his back?
The problem is he doesnt have enough money so I am the one that will have to pay out of the money he gives for his keep.
Please help

[sandboy]

Re: Help Please

OK I have re-read the letter which was sent and I realize that my son has received what was requested.
However should he have been sent a signed true copy of the executed deed of assignment from the DCA?
If so should we send a letter reminding them of this as they are still sending demands for payment?
I am now arranging to make payments to the bank on his behalf by bank transfer of £1. a month for each debt owed.

[sandboy]

Re: Help Please

My son has received a letter from DCA saying they are going to obtain a Warrant of Execution allowing a Bailiff to come to our house to take an inventory and levy of goods.

This is not my sons house can they do this?

PLEASE HELP

[Tools]

Re: Help Please

I have flagged this for further advice from Cetelco/Amy who should be able to help you with this.