Jump to content


Registered Users

Change your profile picture
  • Content Count

  • Joined

  • Last visited

Community Reputation

1 Neutral

About thesilversurfer

  • Rank
    Basic Account Holder
  1. I am acting as a rep for 3 guarentors at the moment, I completley understand your position, I have used this letter very effectivley (no messing, straight for the gullet!) Although you do have to make sure that you are prepared to follow through with the application. VERY POWERFUL! LLOYDS TSB PLC Customer Debt Management XXXXXXXXXX Dear sirs Re:− CASE REFERENCE xxxxxxxxxxxxx After numerous requests for information made to your organisation and yourself by telephone and writing for the personal guarantee of xxxxxxxxxx. I must draw your att
  2. Has anyone here used the CPR 31.16 disclosure against Lloyds? if so how far did you get? many thanks
  3. Has anyone here used the CPR 31.16 rule against Lloyds? if so how far did you get? many thanks
  4. just to note; and i might add i am not a professional giving advice here in instance If you add value to the claim albeit against a smaller sum; say £50/corres x 100 phonecalls = £5000, put this along with all correspondance before a judge and you have yourself a whacking counter claim under the administration of justice act of 1970; under civil procedure. cheers A.
  5. Mr Maroon, phonecalls and obtaining balances dont mean anything; phonecall are only acknowledged once the initiator advises the the recipient that it will be recorded. What do you think about this altenative letter? WITHOUT PREJUDICE Dear Sir/Madam Account No: xxxxxxxxxxxxxx You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5 "an action founded on simple contract shall not be brought after the expiration of six years fr
  6. sending the statute barred letter, please ensure you add WITHOUT PREDJUDICE on the top, this is without notification of charge A.
  7. Thats true Maroon, but how about harassment, and valuing time spent on statute barred debt, these DCA's need enforcing, with our own right unto common law. Then just the notification charge Cheers A.
  8. After you have recorded delivery, and therefore notified the charges, make sure you record every phonecall/letter etc ....... respond with phonecalls "all correspondance in writing please"... every time. remember that every time you acknowlege there calls they are charged £x for that as notified. Therefore diligence is on there behalf. A.
  9. Hi Smelly Dog, 1st off make sure you put the alleged account in dispute:- xxxxxxxxxxxxxx xxxxxxxxxx xxxxxxxxxx xxxxxxxxxx 2009 xxxxxxxxxxxxxx xxxxxxxxxxxx xxxxxxxxxxxx Dear Sir/Madam Re:− Account/Reference Number xxxxxxxxxx I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.
  10. Sorry also if you want to add value, as a notification put this, its always good to go for a money claim againt a dispute. Please be advised that until this is satisfied any communications made on behalf of your company or third parties to myself will be charged at £XXXX per telephone-call/email/sms/fax/letter of demand or other such like communications. ****** Please put your own value in
  11. Hi Confused, I would consider sending this letter DO NOT IGNORE THIS LETTER XXXXX XXXXXXXXX XXXXXXXXX xxxxxxxxxxxx 2009 xxxxxxxxxxxxxx Dear Sir/Madam Re:− Account/Reference Number XXXXXXXXXXXXXXXXXXXXXXXX FORMAL NOTICE - ACCOUNT IN DISPUTE Dear Sir or Madam, In response to your letter dated xxxxxxxxxxxxx 2009 I must admit that I am rather bemused as to why this account has been addressed with a notice of default, as it is in dispute and has been since xxxxxxxxxx 2009. Not onl
  12. Hi confused, Basically LLoyds have 12+2 days to respond to the cca request then they enter default, also if you have evidence that the cca request was sent recorded delivery the dispute is strted from that date. If any enforcement action is taken after this date, it is considered unlawful and therefore vexatious. I would ignore all of these letters for the time being, do you have proof of when your request was sent? Nevertheless, they have responded with acknowledgment. An therefore issuing a default notice is a criminal offence when under dispute. I would certainly report this
  13. Hi There, Im pretty new to this, however I have been following CAG dialogue for some time........ fantastic forum and great community, all thanks to this, I will be donating every month! I will start to say that as a result, I am at present issuing proceedings against Aktiv Kapital, TBI Financial Services and Lloyds TSB. ( I intend to represent myself and pushing on every court hearing). For many things, 8 breaches, and 3 criminal offences in all! I am currently after some DCA's licence to practice. I am also raising the questions that within the debt industry, how is there
  • Create New...