Tweet
Ok so I have a biggish debt which I think has problems with the paperwork but frankly am not sure
I believe I had a credit card with a company (a)who then invited me to apply for a loan which I did. At some point during this process they had been white labelling another companies (b) loans and at a point after the loan was taken out they passed the whole loan book to company b.
Now original CCA request produced an agreement in company b's name without terms and conditions although the statement they provide shows company a - as does the credit to my bank account
The DN's show company a
Later on they sent a further copy of the agreement with T&Cs - but still not compliant with S77 because there was a demonstrable change in those terms
Ordinarily it would become SB in Jan 2018 but there may have been an issue of me writing inappropriate letters trying to get a payment break which, if still available could prolong limitations
The credit card is definitely UE because the debt purchaser doesn't even know the branding of the card and has told me they can not supply the agreement however if they rolled everything up it accounts for nearly 20K
I am convinced ( being a glass half empty person) that at some point I will receive a claim but was wondering if I should SAR someone now to be ahead of the game
If yes would I say company a or company b ?
It is now owned by a debt purchaser and has been since 2011
Any thoughts?
I believe I had a credit card with a company (a)who then invited me to apply for a loan which I did. At some point during this process they had been white labelling another companies (b) loans and at a point after the loan was taken out they passed the whole loan book to company b.
Now original CCA request produced an agreement in company b's name without terms and conditions although the statement they provide shows company a - as does the credit to my bank account
The DN's show company a
Later on they sent a further copy of the agreement with T&Cs - but still not compliant with S77 because there was a demonstrable change in those terms
Ordinarily it would become SB in Jan 2018 but there may have been an issue of me writing inappropriate letters trying to get a payment break which, if still available could prolong limitations
The credit card is definitely UE because the debt purchaser doesn't even know the branding of the card and has told me they can not supply the agreement however if they rolled everything up it accounts for nearly 20K
I am convinced ( being a glass half empty person) that at some point I will receive a claim but was wondering if I should SAR someone now to be ahead of the game
If yes would I say company a or company b ?
It is now owned by a debt purchaser and has been since 2011
Any thoughts?
