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    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Help with response to letters for BPO & BW Legal


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Hi all,

 

After more great advice on top of what I have already received from here.

 

First issue:

I sent a bog standard prove it letter to BPO Collections this month (using template from either here or National debt line).

Apparently they now own a debt from Motormile Finance/Lantern.

 

 

I think I took a payday loan out in 2011/12 with CFO,

who went bust,

debts purchased by Motormile,

who changed names to Lantern,

who have assigned this to BPO.

 

 

It becomes very confusing to keep track of name changes and who owns who.

 

The letter I received back states (amongst the usual twaddle):

 

"BPO collections and Latern do not acknowledge the unilateral terms and conditions and time frames that you have outlined in your correspondence. Nor do we agree to any such conditions or fee schedules received from you in the future"

" Your correspondence appears to be based on forum templates widely available on the internet.

Should you have any concerns about your account then please advise us of these and we would be happy to look into these.

Please be advised that failure to address the outstanding balance could affect your credit file."

"Within your correspondence you have required that we provide you with a variety of information and documents including the names of individuals within the organisation and then names of agencies working on Lantern behalf in terms of your account. There is no requirement for Lantern to provide the documents you ave requested. Nor are the reasons for you requesting this information clear."

"We are unable to supply you with a copy of the deed of assignment as this account was purchased as a part of a bulk of accounts and there fore assignment will hold personal data in relation to our other customers. However, you were sent an email of assignment on 17th May 2018 notifying you that BPO Collections would contact you regarding the outstanding balance on your account."

 

 

What should be my next step?

 

 

they are refusing the prove anything if I'm reading that right.

 

 

I've checked my credit file (3 different agencies) and if there was anything on there from CFO/Motormile/Lantern/BPO it isn't on there anymore.

I don't ever recall paying anything to any of these companies or speaking to them.

 

Second issue:

I sent a Statue Barred letter to BW Legal in regards to a PRAC/PayDayLoans debt.

Again it was from a template from either here or the National Debt Line.

 

 

They have replied back with the following:

"Our client has advised the loan was taken out on February 10th 2012 and the default date was April 10th 2012.

We trust this now concludes any outstanding queries you had raised with ourselves. It is important that you now contact us in order for us to discuss an affordable payment arrangement.

Failure to contact us within 14 days may lead to the following:

Further collections activity or

Further legal action."

 

 

Followed by the usual how to pay stuff.

 

Firstly, they have the dates wrong as my credit file states that it was started on 10/01/2012 and the default registered 1/7/2012.

Secondly they already sent a letter of claim for court action in November last year but never followed it up (I foolishly didn't reply at the time due to ignorance on my behalf).

 

I haven't paid a bean or acknowledged debt.

 

So this is statue barred right?

How should I respond or should I even bother?

I'd like to put something to them that draws the matter to a close,

but I thought the SB letter was meant to do that?

 

Thanking you in advance.

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looks like you sent stupid freeman of the land twaddle letters

 

simply send OUR sb letter [in the debt collection section of out library]

and then ignore them

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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