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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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My I.V.A. finished and I got a Completion Certificate in October 2016.

 

I have just received a letter from H.B.O.S. saying there is still a large balance on the account.

 

Then shortly after I received a letter from LC Asset saying they had purchased the debt from H.B.O.S.

 

How is there any balance, as I thought on completion of an I.V.A. all remaining debt was written off?

Edited by dx100uk
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Was it included in the IVA ?

 

If so refer the letter to your IP.

 

Andy

 

 

Thread moved to Formal Solutions: Bankruptcy, Administration Orders, Debt Relief Orders and IVAs Forum.

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Your title says sold on, but you state the letter is from HBOS who were the original creditor?

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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HBOS were the original creditor .....assigned to LC Asset...who by the way are listed as a Dissolved Company

 

https://beta.companieshouse.gov.uk/company/08324836

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Oh yea sorry its extremely sunny here..very rare!!

 

So LC Asset neesd holiday money then and sent a scmming letter to if they can find a few mugs

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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Share on other sites

I had one letter from H.B.O.S. saying the debt had been sold on, and one letter from LC Asset saying the debt had been sold to them.

 

Just received two more letters today for a Lloyds card account.

 

Same thing one from Lloyds one from LC Asset.

 

Sent everything to my I.P. don't know if he can do anything as my I.V.A. was completed nearly two years ago.

Edited by dx100uk
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Can we have the fca reg number from the bottom of their letter please

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... 

Link to post
Share on other sites

On the LC Asset letter there is no FCA number, just a Registered Office address in Luxemburg.

In this letter they say they have appointed Link Financial Outsourcing Limited to manage the account on our behalf.

The Bank of Scotland number is 122626

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Aha thought it might have been our friends Plink!!

 

Pers id ignore them

 

Unless you have moved since the iva completion?

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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Share on other sites

Run it past your IP just for peace of mind.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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this is what was puzzling me earlier.

lots of people even with a settled certificated iva still have had to give the ppi refund to their ipsome here +5yrs later as it was an asset from that time that was not realised ..

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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Share on other sites

I have a letter from my I.P. which says, I write to confirm that following issue of the Completion Certificate in relation to you I.V.A. on 26th October 2016, I have no interest in any P.P.I. complaint or subsequent awards that you may have.

As such, any funds may be paid directly to you.

 

In the supervisors report

Whist I have not been made aware of any intended or ongoing reclaims regarding the mis-sell of P.P.I. Policies, should the client make any such reclaims successfully and subsequently receive redress prior to the issue of the final report, I intend to consider these funds as excluded from the arrangement and be retained by the clients.

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I know but i was just making an observation from my years here

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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Share on other sites

Does my I.P. still represent me, I thought once you had received your I.V.A. Completion Certificate that they ceased to have any dealings with you.

It was completed almost 2 years ago.

 

No...but your entitled to check with them if a debt was included or not......just because your IVA was completed ...they didn't burn your file.:madgrin:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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can we see these lc asset letters please

scan them up to one multipage pdf

red upload

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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Uploads unapproved...not fully redacted....name and amounts still showing.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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