Jump to content


Claim Form Carter/lowells HBOS Current Account*** Claim Discontinued***


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2233 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

  • Replies 116
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi yorkiedart,

 

Sorry you've not had any help yet, it's not something I can help you with but hopefully the Legal guys will be along shortly to help you out.

 

Regards,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Can you please answer the questions raised in this post please....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**(1-Viewing)-nbsp

 

Please provide the answers here on your thread and the legal guys will be along to help.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Link to post
Share on other sites

Name of the Claimant ? LOWELL PORTFOLIO LTD

Date of issue – 12 DECEMBER 2014

What is the claim for –

 

THE CLAIMANTS CLAIM is for the sum of £637.79

being monies due from the defendant to the claimant under an agreement regulated by the Consumer Credit Act 1974

between the defendant and HBOS plc

assigned to the claimant on 13/7/2013,

notice of which has been given to the defendant.

The defendant failed to maintain contractual repayment under the terms of the agreement and

a default notice has been served which has not been complied with,

and the claimant claims £637.79

 

The claimant also claims statutory interest pursuant to S.69 of the County Act 1984

at a rate of 8% per annum from the date of assignment og the agreement to date

but limited to a maximum of one year and a maximum of 1000 amounting to £51.03

 

What is the value of the claim? £818.82

Is the claim for a current or credit/loan account or mobile phone account? Current Account

When did you enter into the original agreement before or after 2007? Long before 2007

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 Portfolio Ltd,

 

 

I have a letter from Bryan Carter advising me that they have been instructed by Frederickson International

on behalf of our client Lowell Financial Ltd regarding your HBOS plc account to commence legal action

Were you aware the account had been assigned –

did you receive a Notice of Assignment? Not to my knowledge

Did you receive a Default Notice from the original creditor? Not to my knowledge

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not to my knowledge

Why did you cease payments? I have never made any payments I am surmising that this is overdraft charges

What was the date of your last payment? None made

Was there a dispute with the original creditor that remains unresolved? Not to my knowledge

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? No

I have sent a CPR request to both Lowell Portfolio and Bryan Carter

Link to post
Share on other sites

have you ack'd the claim?

 

 

opps yes

so everything done

 

 

anything on your credit file?

 

 

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

Yes I acknowledged...A claim was issued against you on 12/12/2014

Your acknowledgment of service was submitted on 16/12/2014 at 12:56:40

Your acknowledgment of service was received on 16/12/2014 at 14:00:40

Link to post
Share on other sites

Can you tell us what kind of account it was please. Also are these charges on charges.

Please tell us how the charges were incurred.

You say you want to defend. On what basis do you think you have a defence?

Link to post
Share on other sites

Your timeline is as follows:

 

Issue date 12.12.2014 + 5 days for service = 16.12.2014 + 14 days to acknowledge = 30.12.2014 + 14 days to submit defence = 13.01.2015

 

Not the best way to see out the old year and start the new :(

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

It would be more helpful if you could give some careful consideration to the questions I have asked as it may help us give you a basis for a defence.

Link to post
Share on other sites

I am trying my best but this court thing just came at the worst time,

 

 

I can only give you the information that I am aware of,

 

 

I haven't banked with HBOS for years so as you can appreciate it is not something that I am up to date with,

 

 

and for that I apologise,

 

 

but if you can help me with the information that I know it would be very much appreciated...regards Graham

Link to post
Share on other sites
As far as I am aware they are all charges which have just built up, it was a Halifax Bank account I assume, I don't bank with any of them now since the banking [problem] of around 2008

 

If you could try and establish the last time you ever used this particular account either making a payment to or from.

 

You can check your credit files by logging on to one or all of the 3 credit reference agencies - Equifax, Experian or CallCredit.

 

You can take out a 30 day free trial (do make absolutely sure you cancel before the 30 days are up) and check to see if this account has been updated on your files.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

goto the noddle site listed below

 

 

if you've a debit card registered to your address

and on voters it should be instant.

 

 

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

Ouch, so the default date is October 2010.

 

Can you see from the report if there was any activity on the account in/out for the previous 2-3 years ?

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

You might get a better sense of the situation when you receive your pin for Experian. Noddle is more of an overview, with the information usually collected from other sources. Whereas the companies actually report to the other 3.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

usual rubbish from carter

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

This is from Equifax re my current account with HBOS

Equifax

 

Account Type: Current

Account opened: 17th March 2004

Last updated: 17 Sept 2013

Account Terms: Monthly repayments

Payments Started: Not recorded

Opening Balance: £0

Lump Payment: Not recorded

Current Balance: Closed 6th October 2010 (Balance £637)

Credit Limit: Not applicable

Monthly Change: Not Available

A notice of default has been served

Default Balance: £637

Default Date: October 2010

Default satisfied Date: Not reported

Account holder status: Not available

Report until October 2016

 

Any ideas on my next move please.... am I in order to submit a defence yet Regards Graham

Link to post
Share on other sites

Hi yorkie, responding to S.O.S.

 

You do not need to submit your defence until 13th January, so no rush ! andyorch will look in on you in good time - whilst you have received the letter you have from the solicitor (pompous donkey) it might be that you will receive paperwork prior to the submission date.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
Thanks citizenB very much, just felt a bit lonesome that's all...lol regards Graham...........

 

Oh dear, sorry about that.. no need to feel lonely.. there is usually someone around to chat to :)

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...