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Helpmeoutplease

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Posts posted by Helpmeoutplease

  1. I could do with some advice with regards a lloyds Tsb debt that has been passed through many DCA's

    It consists of 2 overdrafts, 2 personal loans that lloyds closed and consolidated into one account and gave it a new account number.

    - The debt then got passed to BLS, at this point I sent a CCA request and placed the account in dispute.

    The account then was sent on to SCM solicitors, I informed them of the account was in dispute they sent me a letter stating all collection activity had stopped and would find the documents requested.

    A couple of months passed nothing, then out of the blue Allied international credit started chasing the debt, I informed them of the status. They stopped collection I got a few letters from lloyds tsb complaints department and a copy of some generic terms and condiitons. the account then went to Robinson way again I told them the account was indispute a few letters backwards and forwards later they returned the account to lloyds. during this period I got some statments from the old account numbers for the loans and overdfafts showing the balance as zero. Now I have credit security limited chasing this debt, I have informed them that the account remains indispute and they have sent me a letter stating that collection activity is suspended while the agrement is being located.

    I need some advice on:

    - is consolidating these debts legal and does it make them un-enforceable?

    - Is this normal practice for Lloyds to send a debt this far down the DCA route before legal action?

    - I'm worried about this as it is quite a large debt and if they do get a CCJ I'm worried about putting my house at risk.

    - would it predujdice me if I made an offer of monthly repayment?

    - I did recieve a substantial reduction for a full and final, they knocked off over 10k, could I make a 'without predjudice offer to pay this off in instalments?

    I know lots of questions but I'm really unsure which direction to go with this

  2. Hi and thanks for all your input.

    making me feel a little bit more hopful about this.

    It does say section 23 on the signed copy and states that section 23 is related to how they will use my information.

    the second sheet which I assumed was the reverse of the signed sheet on has 3 sections.

    section 3 is the use of information section.

    My reason for thinking that the agreement was enforcable was due to the fact is was on 1 sheet with the repayment terms on the reverse.

  3. I'm considering sending the solicitors a letter telling them that as they have now produced the CCA that I requested some time ago that I would be willing to re-enter into a payment plan, as long as they stop the claim.

     

    do you think they would accept this?

    I think this also would show the judge that all the letters I have sent requesting to see the CCA were serious and that they should have produced it in the first place.

     

    any advise on this approach?

  4. I have sent an embarrassed defence off already. not sure when i will get the allocation questionare.

    The particulars of the claim are:

    The claimant claims that outstanding monies Due and payable by the defendant under a credit agreement whereby the defendant agreed to repay with interestlink3.gif the value of credit obtained.

    The claimant claims

    1. The sum £****.**

    2. Interest pursuant to S69 of the county courtlink3.gif act 1984 at the rate of 8% from **/**/07 to the date hereof *** days is the sum of £*****

    3. future interest accruing at the daily rate of 2.15 4 costs

    nothing regarding the default

  5. Hi I'm trying to find some information on if the claimant must prove that a default notice was served and produce an original copy at court?

    does anyone have any opinions on this?

    also does anyone no of any other threads that are being defended on the fact of no DN.

    any case law that backs this up?

     

    Many thanks

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