can I get this written off?

[backpainz]

Hi guys

 

I took a bank loan from barclys with payment protection 10 + years ago. The amount, I believe, was £2400.

 

I HAVE been paying this back in installments over the years allbeit small.

Currently unemployed, currently injured (traffic accident), currently in hardship and most frustratingly currently qualified but unable to work (recession and bad back).

 

Now I am reading posts suggesting that I can get this written off. Can someone, who can help a donk out, please outline the process for me to get the ball rolling?

 

I very much appreciate any help...and thanks for viewing.

 

Backpainz ..with love x

[wigworld]

Well, if you are both unemployed and injured, I would have thought any PPI worth its salt would pay off your loan. If not (and very few of them are worth their salt), it was probably mis-sold to you, and the least you should do is hit them with a claim for mis-sold PPI (+interest).

[backpainz]

To be honest i cannot remember the details of the actual loan agreement. I literally walked into the bank and left soon afterwards after accepting the loan. Happy as Larry!

 

It has since been passed to Lowells group, who I have been paying installments but recently stopped the direct debit due to finace issues. I am borrowing from Peter to pay Paul.

 

Is there a way out for me? Can I request the agreement from Lowells or something like that?

 

Appreciate the help thx...

[sam614]

hi. absolutley cca lowlifes.do you need a link for that?

 

are lowells pushing,due to DD been cancelled.

have you made sure with your bank that lowell CAN NOT RE INSTATE?

 

did you question lowell at all?

 

SAM:pLOWELL DETESTER

[backpainz]

thanks guys n gals

 

A link would be great if possible.

 

Lowell is not pushing hard yet, one phonecall and a letter but I wish to be prepared.

 

And no I have not questioned Lowell. I set up a small repayment (£20 month) and stuck my head in the sand . Thanks to this forum I have decided to pull it out!!

 

Kind regard

[backpainz]

Thanks sam

 

A link would be great if possible.

[sam614]

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

send this.

 

do not talk to them,

make sure that they CAN NOT take anymore of your money.

 

SAM:pLOWELL DETESTER

[backpainz]

Cheers Sam, That looks like it will help greatly.

 

If it is the case that they cannot provide the agreement, what happens then?

 

Also re:the letter to Lowells:p

Apart from the obvious i.e. name, address etc. do I need to amend other parts of the form.

 

Play it again sam...

[sam614]

just make sure to print name,dont sign.

 

really dont think they will produce after 10 years:D

 

predict the usual for you.

 

they sign for your letter,then write saying that they have asked OC to retrieve from archives,they will try their best to do this within the prescribed time scale.

 

after the 12+2 you send another template if they have failed to supply.

 

once they recieve that it will either be.

 

A.the lie that they have a further 30 days from ms swallow.

 

B.wonderfull f&f offer to ammicably resolve.

 

C.case closed untill which time that they obtain,and then will require full amount.usually followed by more threats/begging letters from them or red or hamptons.

which are put down to errors.

if they do this you complain to OFT/TS.

 

also poss that they sell it on.should not when its in dispute.but they sometimes do it.

 

send it any see what they come back with.

will say again.make sure that they cannot re instate your DD.

 

SAM:pLOWELL DETESTER

[loobyloo85]

Hi

 

You may be able to get a hardship benefit from the job centre with you being out of work and injured. You may also be entitled to income support. Take a look at www.entitledto.co.uk to see what you are entitled to in order to raise your surplus. There is the debt relief order where if you have under £15K debt, and under £50 surplus, your debt could be written off. Take a look at the following link: Commonly Asked Debt Relief Order DRO Questions | UK Debt Relief Order, Debt Relief Orders UK

[backpainz]

woohoo!

 

Sent letter to provide statement on 17th. A little anxious I must admit...

Received conformation that records are unobtainable and therefore Lowells:p cannot pursue anymore..account closed.

 

Of course I couldn't have done it without the help of these guys and for that I am very greatful. Thankyou Sam

 

Anyone else in a similar situation should probably take the bull by the horns and get this sorted.

 

If you let them kick you they will keep kicking.

 

Take care all. If I can help, drop me a line.

 

Much love

backpainz

[sam614]

congrats:D

 

happy to help

 

SAM:pLOWELL DETESTER

[wigworld]

Great result!

Just as a caution, though, are you sure the matter is definitely closed, and not just passed back to Barclays?

[backpainz]

Great result!

Just as a caution, though, are you sure the matter is definitely closed, and not just passed back to Barclays?

 

 

Hi wig and thanks for your input too, much appreciated.

 

I will quote the letter

 

"We refer to your recent request for a copy of your executed agreement under Section 77(1) and/ or 78(1) of the consumer credit act 1974.

 

We have now been advised that due to the nature of our client's archiving process they are unable to provide information relating to this account.

 

The account has today been closed and we can confirm no further action will be taken by us with regards to this letter.

 

We hope that the above course of action meets with your approval and we apologise for any inconvenience caused."

 

Let us hope that these money grabbers can grab no more.

 

Peace and love

backpainz...also Lowell detester too:p

[backpainz]

Hi again

 

Just a thought (because I really hate lowells now) and I want to know if I can kick them back.

 

I wish to know if they have unlawfully been taking my cash and if there is anything I can do to reclaim? Probably not but thought it was worth asking.

 

backpainz

lowell detester too

[backpainz]

Hi sam.

 

I have receicved a follow up letter stating that the account is now on hold.

 

My letter of request was sent on the 17th july. I am soon sending follow on letter in regard to the 12+2 days.

 

Am I to assume this is normal from them ?

 

Cheers backpainz

L:pD2

[sam614]

Hi sam.

 

I have receicved a follow up letter stating that the account is now on hold.

untill such time that they locate it,and then they want full amount?already told you this once,must be stressed:D

My letter of request was sent on the 17th july. I am soon sending follow on letter in regard to the 12+2 days.

yes get it off,

 

Am I to assume this is normal from them ?

very:lol:either a once in a lifetime offer by return of post.

or ms swallow or her new trainee ms barnard will try the "we have a furher 30 days"

 

 

Cheers backpainz

L:pD2

SAM:pLOWELL DETESTER

[lizfiz]

hi. absolutley cca lowlifes.do you need a link for that?

 

are lowells pushing,due to DD been cancelled.

have you made sure with your bank that lowell CAN NOT RE INSTATE?

 

did you question lowell at all?

 

SAM:pLOWELL DETESTER

Hi Sam,

Sorry to butt in but i am new to this website and not sure how to put up my own problem in order to get some advice. I happened to stumble accross your reply and thought you seem like you know what you are talking about.

I have a problem with a loan from Provident. I had 2 original loans with them for approximately £400 each which i struggled to pay and kept falling behind. The area manager then turned up on my door and suggested she had the solution to my problem, to put both agreements together on a new loan so that i could pay a lesser amount over a longer period of time, as i was desperate for a solution i agreed and signed on the dotted line. I have now since been struggling to pay this each week and have again fallen behind. I have been looking at the new agreement to see if there is any way of trying to find a way out of it. I had read somewhere on here (but i cant find it now) that the procedure is that someone from Provident would have to have discussed the new proposal 24 hours before getting me to sign for it, which they didnt. Also on the agreement (CCA) there is nothing wrote on the boxes 'Total charge for credit' or 'Rate of interest'. Just wondered if there is anything i can do about this? Any help or suggestion would be most welcome as i am stressed out about this and afraid to answer my phone as they keep ringing and the area manager has been round again although i was at work.

Sorry again for butting in but like i said, i dont know where to post my own message.

 

Liz

[sam614]

Hi Sam,

Sorry to butt in but i am new to this website and not sure how to put up my own problem in order to get some advice. I happened to stumble accross your reply and thought you seem like you know what you are talking about.

I have a problem with a loan from Provident. I had 2 original loans with them for approximately £400 each which i struggled to pay and kept falling behind. The area manager then turned up on my door and suggested she had the solution to my problem, to put both agreements together on a new loan so that i could pay a lesser amount over a longer period of time, as i was desperate for a solution i agreed and signed on the dotted line. I have now since been struggling to pay this each week and have again fallen behind. I have been looking at the new agreement to see if there is any way of trying to find a way out of it. I had read somewhere on here (but i cant find it now) that the procedure is that someone from Provident would have to have discussed the new proposal 24 hours before getting me to sign for it, which they didnt. Also on the agreement (CCA) there is nothing wrote on the boxes 'Total charge for credit' or 'Rate of interest'. Just wondered if there is anything i can do about this? Any help or suggestion would be most welcome as i am stressed out about this and afraid to answer my phone as they keep ringing and the area manager has been round again although i was at work.

Sorry again for butting in but like i said, i dont know where to post my own message.

 

Liz

 

HI.

have answered your PM.

SAM

[livingdeadguy]

Great result!

Just as a caution, though, are you sure the matter is definitely closed, and not just passed back to Barclays?

great results

Just a thought . . . is it possible that even if they close this you can still try for ppi refund?