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    • Evening all,   I have deliberated over this offer for two weeks and I have decided to take their offer. I do understand that some may prefer us to go to court and receive a judgement but with our personal circumstances and my current military commitment that could become an issue. I am so grateful for all the help and support you have all offered me over the last few months. I will continue to monitor this site and push all those that are being wrong to get in touch.   Thank you! what you all do is truly amazing!
    • When I first responded to the PAPLOC, and received that 29 page junk back it was accompanied with a letter saying that they had already responded to my request back on Feb 18th 2023,(I never received it). I was just clearing out some paperwork today and found a letter from Lowell, dated Feb 17th 2023, explaining that they were still waiting for the documents from PayPal, and my account was on hold  until further notice.  Does this mean they were lying and can it be used against them if this goes any further? I have now filed my defence, and have had an acknowledgement from Overdales and the court. A little threatening from Overdales , explaining that part of my defence was invalid because they have now complied with the CCA, and they were still waiting for the Default notice from PayPal.
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oh's lloyds credit card Credit card - Claim Form


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Good evening.

 

I hope I'm posting this in the correct place so here goes -

 

 

My wife had a Lloyds credit card and got behind on the payments after I had to close my business etc etc.

 

There were various letters from SCM and she didn't reply - I thought they'd end up sending the debt out to Westcot. Anyway last week we had a CCJ claim in the post from Northampton. It gives the usual choices and forms to fill in re. the claim.

 

The total Lloyds are asking for is about £4500.

 

Back in November 2008 she phoned LTSB and asked them to stop taking c.£35-40pcm for the PPI cover. We requested this on a couple of further occasions - ringing the overseas call cente but nothing was ever done by them.

 

The PPI was taken up until mid 2011 until the account was defaulted.

 

The long and the short is that we agree there is a liability to LTSB - but we want them to credit the PPI (+interest) from Nov 2008 up until the default. I also want to look into whether or not the PPI was correctly sold in the first place. I have the telephone number of the LTSB PPI complaint dept - I expect they just act slowly and then reply in the negative suggesting the complaint is then takien on to the Finanacial Ombudsman (?).

 

What I want to know concerns the court papers - should I either 1. Admit to part of the claim, or 2. Make a counter claim to set against the liability?

 

Obviously admiting to part of the claim requires some information and a response from LTSB to get the specific counter amount the form requires.

 

If I make a counter claim then does this hold up the court proceedings until LTSB and the Financial Ombudsman have had their say?

 

Sorry for the long winded question. Any suggestions are most welcome. I have to get the ball rolling by responding by Wednesday - shall do it online.

 

Many thanks

 

Avantime

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Hi tw

 

Guessing from your previous post you know when to ack claim by.

 

The one question that springs to mind is, do you have all account data to enable calculating PPI + interest for the term?

 

If you can mitigate cost exposure to a minimal sum it may be prudent to consider offering to settle by t/o on your terms for settling any balance.

 

Gez

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Hi tw

 

Acknowledge claim....... aos, acknowledgment of service, ack claim..... all the same, just means you need to acknowledge the claim if you have a defence or partial defence [online I guess as its Northampton], did you receive a login with the claim pack?

 

date of claim + 5 days deemed service + 14 days to acknowledge, gives you another 14 days to enter a defence - 33 days total.

 

Can you post the particulars of claim verbatim [less any identifiers]

 

Gez

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Crikey, thats more detailed than they usually manage

 

I'd get a part 31 and 18 pt-legal issues-compilation.pdf served on them asap, along with a SAR to Lloyds........ you could defend as the claim stands but depending on how you want to play it a partial defence on the PPI and accrued interest may sit better with the court. If its a sizeable value it may sit better with you too.

 

Try to get them to agree an extension [part 15] so it gives you time to push for a response to the SAR http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Gez

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what about PENALTY charges too?

 

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... 

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