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    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   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. Debt purchaser - Lowell   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? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
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Bank of England advisers not told about secret £62bn loan to HBOS

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Members of the Bank of England's monetary policy committee were not informed of the Bank's secret £62bn loan to HBOS or RBS last year, which would have been a key factor in their setting of interest rates, the former MPC member David Blanchflower reveals today. The news will embarrass the Bank of England governor, Mervyn King, who released details of the secret loans last week. The loans were made in October and November last year, as the banking system teetered on the brink after the collapse of Lehman Brothers.

 

Blanchflower writes in today's New Statesman: "Despite being an external member of the MPC at that time, nobody told me about these loans or how bad things were in the financial markets. The announcement by the governor in his Treasury select committee appearance last week was the first time I had ever heard of these loans. We were also kept in the dark about what was happening with Northern Rock. Nobody briefed me, even ex-post. The extent to which the external members of the MPC were excluded from basic information on the crisis is only now coming out." He says he understands why such loans were kept from the public and financial markets because of the panic it might have caused, but not key policy makers such as the MPC. "Surely such information was relevant to our interest rate setting decisions? If we had been told what was going on we may have started quantitative easing sooner and cut rates faster," he adds. "There is no point in having an MPC unless members, and not just some, are given vital information." Blanchflower, through 2008, led calls for cuts in interest rates, sensing a big recession was coming. But he was consistently out-voted at the MPC's monthly meetings by his colleages, who were more worried about wage inflation taking off, which it never did.

 

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Bank of England advisers not told about secret £62bn loan to HBOS | Business | The Guardian


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