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lowells/BW - Claimform old LLoyds loan 'debt'


MrPond
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Hi,

 

 

Received my Lloyds account details today

 

 

one thing that stands out is on a covering letter is

"Copies of Default,

Enforcement,

Termination and

Assignment notices

are not saved by customer names so we are unable to provide copies under the Data Subject Access Request"

 

 

does this mean game over for DW?

DW have yet to supply any of my requested information.

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nope if received nowt from the court

 

I suspect the case is stayed?

 

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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as post 42

 

andy wil drop in soon

 

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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Hi DX

 

Came home from work and have received a directions questionnaire (N180) and not a very we'll photocopied one at that!

 

What do you recommend next?

 

Thanks

 

A blank one I presume or a copy of the claimants?

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 OTHER

 

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http://www.consumeractiongroup.co.uk/forum/showthread.php?406099-LEGAL-N180-Directions-Questionnaire-(Small-Claims-Track)

 

Complete on screen and then print 3 copies......yes to mediation the rest is self explanatory.

 

Regards

 

Andy

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 OTHER

 

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

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  • 2 weeks later...

Hi DX,

 

 

Just checked my credit file with Experian and

 

 

don't have any default showing for the loan Lowell's are chasing,

 

 

have still not received anything from DW about my CPR request and

 

 

no default in my SAR from Lloyds.

 

 

Do you think this will go all the way to court?

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if they've no paperwork no I twont.

 

 

look in the coms log in the sar

 

 

it should show the default notice date.

 

 

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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  • 4 weeks later...

Hi,

 

Had a call from the court meditation team two weeks ago

 

 

asking me for dates for meditation so

 

 

have an appointment book for this week

 

 

Have not received anything from BW with regards to my CPR or CCA request.

 

 

Not sure what I should say....?

 

 

Any advise would be appreciated.

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You state what you said above...you have attempted to clarify the claim they have failed to respond...so very difficult to mediate.

 

Nothing to panic about...main part is that you participate.

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 OTHER

 

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

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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 OTHER

 

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

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Andy thanks for your help, nice lady called me first and went over what was going to happen and I told her that BW have not sent me required Docs she then said well there's no point in mediation until BW produce the Docs you have requested and then you will have the option of meditation. She also said that she would not enter mediation unless she had all the information in front of her. So she then went off to tell BW no docs no mediation.

 

Next step just wait and see...?

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  • 1 month later...

Update,

 

Notice of allocation to the small claims dated 13th Oct received on the 18th. I have sent an email tonight saying I'm happy to enter into meditation again!! and court date set for the 8th Dec. Claimant must pay £335 today. Still no CPR or CCA do you guys think they will pay? if they don't what will happen?

 

cheers

 

MrPond

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Make sure you comply with the directions by the stated dates.

 

Andy

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 OTHER

 

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

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  • 2 weeks later...

Hi,

 

received a letter today from BW legal and

 

in it was a Lowell witness statement and

 

this contained a letter from Lowell saying they have bought the debt

 

an Introduction letter from Lowell,

 

copy on the Lloyds loan agreement + T&C's,

DD agreement and

a load protection acknowledgement

all signed by me with date.

 

Along with the info was screen shots of the account showing all payments and transactions

 

with the final transaction on the 22/01/2009 showing the debt being written off

 

I have checked again my credit file and the default is dated 24/7/2009, the default with that date is not on there.

 

Still have not any received any response from BW with regards to my CPR or CCA Request

 

unless the attached doc's mean they have???

 

 

very confused now.

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think that means they've found the paperwork.

 

 

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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Hi DX,

 

I have just gone through the transactions sheet that was attached with Lowell witness statement

and it does not show a default on it

 

 

only a write off as a comment on the final transaction on 22/1/2009.

 

 

I have no default on my Experian credit file and have not received a default form LLoyds

 

 

so how can i find out the alleged default date?

 

 

if the default is from the write off date then in January it would be unenforceable.

 

 

I have a court date of 8th Dec.

 

Thanks

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claimform stops the SB clock sadly.

 

 

you should have a comms or account log in the LLoyds SAR return?

 

 

there must be mention of one being sent in there

that's all they have to prove 'one was sent' .

 

 

but i'll let andy comment further.

 

 

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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