Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


Results 1 to 19 of 19
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Lowell claimform - HBOS OD - poss SBd

    Guys,

    I am about to send defence to Northampton county courticon, please I need your help.

    Claim issued 14/09/18, received it on 18/09/18 and acknowledged it same day on 18/09/18.
    I think I have till wed 17/10/18 to file my defence?
    Please correct me if I'm wrong.

    Claim is about HBOS overdraft of current account I held since 2003, I believe it's status barred judging from when it was closed...
    od fees was up to 100 pounds I couldn't maintain payment.

    I held 2 overdrawn current account but upon challenging for second account they recently sent me letter stating account closed balance is zero.
    If I had challenged Lowell for the one they raised claim for maybe they'd dropped it as well.
    But i didn't I just bin their letters as believe it's statute barredicon.

    Other points:

    1, Account number they've been quoting is wrong

    2, Despite signing for it and cashing statutory 1 pound, they have not responded to all my signed for letters dated 21/22 sept 18 : CCA, Cpr 31.14, etc. SARicon to HBOS no reply yet

    many thanks for any help in advance


  2. #2

    Default Re: Lowell claimform - HBOS OD - poss SBd

    Tues 16th Oct by 4.00pm rennai

    Read the fallowing link and then copy and paste the Q,s and your responses back here for further advice on how to proceed.

    https://www.consumeractiongroup.co.u...UPDATED-2018**

    Regards

    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 OTHERS



    If you want advice on your thread please PM me a link to your thread
    Follows
    0
    Following
    0

  3. #3

    Default Re: Lowell claimform - HBOS OD - poss SBd

    you've been here since 2011 and are familiar with courts
    bit unfair on us to leave it till the last minute rennia.

    why did yo send a CCA Requesticon for a bank account?

    if its statute barredicon go ring HBOS and ask last payment date.
    if SB is confirmed then simply file our SB defence???

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  4. #4
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default

    Apologies to all for bringing this on here late, it's due to issues of life for over 3 yrs now.

    CCA Requesticon was in response to confusing statement of claim by Lowell

    Follows
    0
    Following
    0

  5. #5
    Site Team The Consumer Action Group BankFodder's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Jan 2006

    Posts
    28,220
    Blog Entries
    17

    Default Re:  Lowell claimform - HBOS OD - poss SBd

    Quote Originally Posted by Andyorch View Post
    Tues 16th Oct by 4.00pm rennai

    Read the fallowing link and then copy and paste the Q,s and your responses back here for further advice on how to proceed.

    https://www.consumeractiongroup.co.u...UPDATED-2018**

    Regards

    Andy
    Please respond to this



    Warning: I use dictation software. Beware of homophones!
    Have you read our dealing with customer services guide?
    Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential.

    All attribution rights and moral rights in my copyright work are asserted
    Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
    Follows
    0
    Following
    1

  6. #6
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Re: Lowell claimform - HBOS OD - poss SBd

    Statement of claim

    Attachments Pending Approval Attachments Pending Approval

  7. #7

    Default Re: Lowell claimform - HBOS OD - poss SBd

    have removed that as its unredacted and we don't need to see it anyway

    please complete the link in post 2

    and go ring HBOS and using the account number in their POCicon ask last payment date please

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  8. #8
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default

    Hbos staff claims not to have info about account...too old


  9. #9
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Re: Lowell claimform - HBOS OD - poss SBd

    In order for us to help you we require the following information:-

    Name of the Claimant ? LOWELL

    Date of issue – 14/09/18


    Particulars of Claim

    What is the claim for – the reason they have issued the claim? ATTACHED IN LINE

    Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) YES ?

    What is the total value of the claim 2383

    Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Bank account overdraft

    When did you enter into the original agreement before or after April 2007 ? Before 2007

    Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No

    Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned

    Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes

    Did you receive a Default Notice from the original creditor? No

    Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

    Why did you cease payments? 2008

    What was the date of your last payment? 2008

    Was there a dispute with the original creditor that remains unresolved? Yes

    Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon planicon? Yes but no to debt mgt plan

    Follows
    0
    Following
    0

  10. #10

    Default Re: Lowell claimform - HBOS OD - poss SBd

    Did you submit a defence ?

    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 OTHERS



    If you want advice on your thread please PM me a link to your thread
    Follows
    0
    Following
    0

  11. #11
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Re: Lowell claimform - HBOS OD - poss SBd

    yes submitted defence; acknowledged by the court. Received letter from LOWELL Solicitors yesterday stating they agreed to Mediationicon, I'm yet to receive similar questionnaire?


  12. #12

    Default Re: Lowell claimform - HBOS OD - poss SBd

    Sb defence?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  13. #13
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default

    Yes

    Follows
    0
    Following
    0

  14. #14

    Default Re: Lowell claimform - HBOS OD - poss SBd

    good!

    typically we say no to Mediationicon if the SB defence was filed.

    did you send a CPR 31:14icon?


    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  15. #15
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Re: Lowell claimform - HBOS OD - poss SBd

    yes CPR 31:14icon sent;

    LOWELL lied about Mediationicon, because I rang court they said no response from LOWELL yet...that I'll be notified of Mediationicon options if and when they respond

    Follows
    0
    Following
    0

  16. #16
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Re: Lowell claimform - HBOS OD - poss SBd

    Court papers received,said no Mediationicon


  17. #17

    Default Re: Lowell claimform - HBOS OD - poss SBd

    Copied to lowell?

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

  18. #18
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2011

    Posts
    112

    Default Re: Lowell claimform - HBOS OD - poss SBd

    I intend to send a scan copy to Lowell by email is it ok?

    Follows
    0
    Following
    0

  19. #19

    Default Re: Lowell claimform - HBOS OD - poss SBd

    no never use email
    gives them a freeway to harass you and file documents at midnight.

    post it!!
    get free proof of posting from any PO counter

    remove you email/sig/phone from the copy you make for them

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
    it makes a thread twice as long to scroll through..save data download times and costs
    If you want advice please PM me a link to your thread. PM advice is not allowed!!
    DX
    RIP Martin3030

    Follows
    1
    Following
    0

Tags for this Thread


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details