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About jackthepippa

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  1. I've successfully had a Claim discontinued using the exact stages recommended by Andy and DX. They are outstanding individuals in the fight against these dreadful DCA's! Good luck. 'L' will likely pull out at the eleventh hour but mean time try to fob you off with bank giro slip copies as Contract proof lol. Stand your ground! Also my Letter Before Action actually came AFTER the Money claim. They can't even get the pre-action protocol right. Another thing they tried was pretending to send papers that looked like they were from the court for me to sign re: C
  2. How did you get on?..I have my day in court on Friday..Again they are not bothering to attend!
  3. Thank you for your reply. I am just waiting now. Payments just quote fastpay. No I can't remember at all. But activity clearly shown so I guess not SB. The contract and it's conflicting and inaccurate information, and declaring account up to date seem my best bet. I'll keep you posted though.
  4. Citi would not co-operate. Referred to Opus and they said it was in the hands of their client. I SAR'd Lowell. My Claim Defence was SB and no knowledge of debt or referral. They did not respond to the claim it is just sitting there on the system since April. There are several £1 payments on the Opus photocopies. There is no signed contract for ether card company. Sorry I should say the Defence is with Mcol. Inactive since my I filed it in February. Oh and a couple of other things. Opus sent the CCA to Lowell..Not to me. This was dated May 4 2016.
  5. Also.. Just realised the charges and interest over the years almost outweigh the original debt. Can I site this and insist on a refund as the charges against OFT guidelines? As my defence was different, is it too late?
  6. Hi dx.. Can you believe I have only just received the SAR from Lowell? (Took them over 3 months) It looks like I am not out of the woods re statute barred. Last £1 made just under 6 years.. They are now asking me to contact them with payment proposals or they'll pursue court action.. Any advice what I should do next? Thank-you.
  7. Golly no I hadn't even considered a spreadsheet but yes I'll give it my best shot.. Charges are absolutely mind blowing, so yes that's an excellent idea. Thanks
  8. Yes we own workshop and as the loan was secured on it, they wanted the building protected. They charged £30 for being added to their block policy each year and £100 each year, for doing this..But then duplicated these same charges to a small secondary 5 year loan (Now paid up in full) but it only came to light when final statement released with outstanding balance. This was always paid on time. Challenged why there was an outstanding amount and this was flagged up.. This company are unbelievable!!
  9. They've sent a 'War and Peace' sized document of terms, contract and charges. They have offered some refunds of some charges..By no means not enough. However, they want us to officially accept their offer in writing and enclose a prepaid envelope. They then go on to say that we can't take this to any regulator as it is a commercial loan..?? Your thoughts please.
  10. Yes they are sending hard copies as I refuse to engage on the phone and vet all calls. The transfer process was at the same time. BH one day announcing they'd sold out to Idem and then Idem said they now 'owned' the debt. The letter from BH had a set a 'Q's and A's. One which said can BH transfer their rights? and of course their answer was yes. So why are both not fighting for possession? I've also had the threat of a home visit but I know they have no rights and will be signposting them back to the stone they crawled out from. One other question I
  11. I've been following this thread too as I am in the same boat. I'm hoping this contribution is relevant without making a new thread. What I don't understand with BH and idem is why would a secured debt not have gone to the courts by now? We have no available money at the moment to fund this debt and they told me our home was unaffordable. I said, there is NO AFFORDABLE ALTERNATIVE!! They said they'd seek to repossess. They didn't..Just more contact letters. My disabled son and young daughter would be put in jeopardy too so I can't risk losing our home but must prioriti
  12. Hi Ford, I can't recall a default notice being served by Lowell. It says Aug 2012 on claim yet Noddle says June 2012. This is the alleged default from Lowell and not original lender. To the best of my knowledge Lowell did not have the account in 2012. Also note they limit their interest claim to one year? is this because they are bluffing about a default notice served? There's no way I can recall one from Citi or Opus. Far too long ago ..2003 was the account opening date apparently. I don't want to make the same mistake again and give in. I now highly sus
  13. It was last year. I was given the option to deal direct with Lowell and made a reduced offer and paymet plan. This was because they said they didn't need to provide th O2 documentation which would prove it wasn't my signature.
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