Jump to content


  • Tweets

  • Posts

    • You can post claim forms on your thread if you edit the pdf to block out personal details. I think details of that are on our upload sticky.   HB  
    • The trading standards officer didn’t come back to me yesterday so I’m going to call her on Monday morning and just clarify that there is no further action she will be taking so I can proceed to submit the money claim form.    However before I do this, I just wanted your guidance on a few things please.    1.  Should I contact the trader to return his courtesy car as he has mentioned this to the Trading Standards officer?  I am not willing to drive an untaxed car, nor do I want to particularly drive to him even if he arranges the car tax, but do I contact him to arrange a suitable day / time for him to collect it from my mums address. ?    2.  Should I register my fathers car in my name? The DVLA were made aware that my father had passed but at the time, we were under the impression the car was being repaired and would eventually be returned back to us so that we could decide what we wanted to do with it (keep it vs sell it). The situation has since changed and I’m just wondering whether I should register myself as the keeper    3.  My father also had private registration plates on the which we want to keep. I know I need to fill in the relevant paperwork to retain the plates, however should I request the physical plates back from the trader? In hindsight I maybe should have included this in the letters that I sent to him, but is this something I can request via the money claim? In addition, when the keys for the car were given to the trader, they had a key ring of my son of when he was a baby. It might sound petty but I really don’t like the thought of the trader having this, so am I able to request this via the courts also?    4.  When I fill in the online money claim form, should I put my late fathers names as the claimant , i.e Mrs MY NAME as the personal representative of Mr FATHERS NAME (deceased)’.   5.  I also just wanted to have a final sense check of the wording of the particulars of claim as below.    The late Mr XXX, claimant, bought a Jaguar vehicle registration number XXXX XXX from the defendant for £10995 on 4th September 2019. Soon afterwards, the vehicle developed serious defects and despite defendant's attempts at repairs, it has continued to exhibit problems. The vehicle is in the possession of the defendant and has been with him for 21 months during the entire 22 months of the claimant's ownership. The defendant is fully aware of the nature of the defects and has been fully appraised. The defendant has supplied a vehicle which is not of satisfactory quality and the claimant has been fundamentally deprived of substantially for the whole benefit of the contract. Prior to issuing proceedings, the personal representative of the Late Mr XXX, claimant, sent a Letter of Claim to the defendant demanding payment. In the circumstances, the claimant seeks reimbursement of £10000   The one thing I am unsure of in the above  wording is the part where it says “….and has been with him for 21 months during the entire 22 months of the claimant's ownership”   Is the car still classed as the “claimant’s ownership” even though my father passed during this period and I haven’t registered the car under my name? Do I (as the personal representative/ executor) technically own the car?    I apologise for all the questions but I would really like to get this right to avoid any unnecessary delays / costs etc.    And I appreciate all your help with this   thank you 
    • Can I PM you the claim form as it has personal details? I did put in a defence. I believe it’s still open as on the government money claim website it states the claimant will be asked to go to mediation but nothing has happened. The claimant is a landlord for unpaid rent on an old tenancy.    The HCEO has already been…
    • I think there is probably a lot of confusion here. First of all it sounds to me as if there has been a judgement against you in the County Court. This judgement is for a figure greater than £600 and instead of using the County Court bailiffs who are not very effective, the claimant has had the matter transferred up to the High Court for enforcement by High Court Enforcement Officers who have a lot of teeth and will carry out a very robust enforcement. If I'm right, then there is a judgement already in place and you won't be able to get it set aside. I think you need to let us know a bit more what it is about, a copy of the claim form in PDF format would be very useful. Did you put in a defence? Why do you think the claim has still not been heard or settled? Who's the claimant? What is the value of the claim? Also you should be aware that High Court enforcement is very expensive and if the enforcement is successful then you will have the fees added as well which could be as much as £2000. There is no good news here at the moment.
    • I was reading a news article and thought that a UK Government minister looked about 65 so close to retirement.   I then read that they were only 46.    My thought for the day, is that if you want to remain youthfull looking, don't become a Government minister as the job will add 20 years to your looks.
  • Recommended Topics

  • Our picks

  • Recommended Topics

Moorcroft chasing Lloyds loan now sold to 1st credit


intend
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 963 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Don't be too quick claiming as you are not quite there with SB.

 

You probably have another month or so to go before your son in law is clear.

 

It would be a pity to resurrect the debt for the sake of a month or so.

 

Can you manage till early September to be on the safe side?

Link to post
Share on other sites

  • Replies 395
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

if LLoyds still own the 'debt'

then regardless to SB date they can still offset and theres nowt you can do about it.

 

statute barring in E&W solely stops the owner of a debt enforcing any resultant judgement if they litigate.

so they don't bother.

 

the debt itself still exists.

 

and as said if it's still owned by the original creditor, any reclaim can be offset against the outstanding balance

the only thing they cant use is the statutory 8% interest redress they have to pay you.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 weeks later...

Thanks for that dx100uk, still tempted for the 8% interest, have claimed successfully from them in past so hopefully can again. Need to get brain in gear over next few weeks and find the motivation in my old age.

 

Package account will be a different kettle of fish - must look at that thread and pick up the pieces.

Link to post
Share on other sites

  • 4 weeks later...

post removed

 

 

forget that wrong thread

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

Got round to asking Lloyds for statement of account on CC.

As expected eventually got a reply from Cabot, who now own the debt.

 

Long story

 

CC was cancelled by LTSB and we came to a repayment plan, which at time of sale to Cabot was £5 per month.

 

Looking to reduce it.

Current balance £1400.

As ever they threaten to demand payment in full if agreement not honoured.

 

Lloyds agreed to £5 per month August 2014, subject to periodic review - no detail as to this timescale.

 

I do not wish to stir up a hornets nest, but tempted to reduce it, without informing them and continue to pay cash at local Lloyds branch.

 

Two questions really

- as credit card cancelled,

no agreement other than the £5 with Lloyds,

could Cabot demand full payment if default on the £5 per month.

 

Second, should I write and state due to worsening financial affairs, monthly payment will be reduced.

 

Intend.

Link to post
Share on other sites

CCA request

upon failure stop payment totally.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 year later...

I think yes, you should claim the PPI.

 

Of course there will be an attempt to set it off against the amount outstanding on the loan but I'm wondering whether it might be possible to take steps to forestall that.

 

Is it correct that the loan is still with Lloyds? Have you written to Lloyds and inform them that the loan is statue barred? Have you looked at CONC 7? I would suggest that you write to Lloyds and inform them that the loan is statue barred and draw their attention specifically to CONC 7 and make it clear to them that any attempt to recover the loan or to demand payment would be unlawful.

 

Have they written to you during the last six years?

Link to post
Share on other sites

Notice of assignment from Lloyds Nov 2013 to 1st Credit, the August 2015 they advised reassigned to Lloyds. Last payment 2011. Have not written to Lloyds.

 

Will need to check details of correspondence over last years as well as check out my old thread. Have not looked at CONC 7 but will do.

 

Thanks for the response.

 

Intend

Link to post
Share on other sites

You can claim but I am surprised that Bankfodder wants to do it on your behalf? The PPI claimed will probably be used to pay any outstanding balance on the loan.

 

Sorry, that was my dictation software and my poor annunciation plus my lack of attention to the final result which caused me to post an offer to claim the PPI on behalf the OP.

 

I've corrected it now.

 

Apologies for the misunderstanding – and thank you to Surfer01 for pointing it out

Link to post
Share on other sites

Sorry, that was my dictation software and my poor annunciation plus my lack of attention to the final result which caused me to post an offer to claim the PPI on behalf the OP.

 

I've corrected it now.

 

Apologies for the misunderstanding – and thank you to Surfer01 for pointing it out

 

No problem. I suspected as much. LOL! :-D

Link to post
Share on other sites

is the loan still owed by Lloyds or sold to a DCA?

if they latter they yes reclaim it using our help

if its owned by Lloyds and there is an outstanding balance then it will simply be offset...not worth the aggro.

statute barring only stops court enforcement in E&W, if the original credit still owns it, then they CAN offset legally as the debt still exists on their books.

 

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

is the loan still owed by Lloyds or sold to a DCA?

if they latter they yes reclaim it using our help

if its owned by Lloyds and there is an outstanding balance then it will simply be offset...not worth the aggro.

statute barring only stops court enforcement in E&W, if the original credit still owns it, then they CAN offset legally as the debt still exists on their books.

 

 

 

dx

 

Notice of assignment from Lloyds Nov 2013 to 1st Credit, the August 2015 they advised reassigned to Lloyds

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

means Lloyds still own it.

 

looking at your other thread..

 

what did you actually have refunded ,,,have you ever had anything refunded with regard to this loan..and what happened to it..off the balance or to your pocket?

 

AFAIK Lloyds haven't sold any debts on since 2015 now,

I know someone that had 4 cards and 2 od current accounts.

they were all sold to various dca's but are now all back under Lloyds and can be viewed on his Lloyds webportal.

all are statute barred.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I thought the interest could not be offset - this could be a substantial amount.

 

Not sure if this will work forum wont allow me to attach at the moment.

 

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=5623

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

yes it works andy

and that was a very important decision years ago.

 

just incase intend doesn't understand it....

they can only offset the loan PPI against any outstanding balance on that loan only.

it being statute barred...is sadly immaterial in E&W if Lloyds own the loan debt which looks probable.

intend you can double check this by logging into your Lloyds webportal.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Lloyds still own the debt, nothing refunded, statute barred as unable to provide an agreement and not paid or acknowledged since 2011. Guess I need to go down the route suggested by Bankfodder before reclaiming. Might try a reclaim as nothing to lose.

 

Focus on packaged account reclaim in near future.

Link to post
Share on other sites

  • dx100uk changed the title to Statue barred lloyds loan with unclaimed PPI
 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...