Bryan Carter letter of cliam

[rhos123]

recived this from scm. any addvice most welcome.

 

 

[rebel11]

Hi rhos

 

To the best of my knowledge SCM are Lloyds employees in the office next door.

 

http://www.bankactiongroup.com/forum/showthread.php?225605 post 15#

[coledog]

Report to OFT and SRA - DCA posing as a solicitor and making threats of legal action

[rhos123]

Hi rhos

 

To the best of my knowledge SCM are Lloyds employees in the office next door.

 

http://www.bankactiongroup.com/forum/showthread.php?225605 post 15#

 

thanks rebel11, i thought so i have informed them of my current situation, so all the threats in their letter are indeed pointless

i have told them in writting that i am unemployed, i have no assets, etc, i send them a token payment each month and they cash the p/o. then they send this letter:jaw:

[PriorityOne]

How old is this loan?

 

If you've informed them of your circumstances by phone, it's been a time waste. If you've done it by letter without sending by rec. delivery, it's probably also been a time waste. By the tone of the letter, they're saying that you haven't communicated at all.... which would make a CCJ by default very easy for them at this stage.

 

Everything needs to be in writing and everything needs to be by rec. delivery.

[rhos123]

How old is this loan?

 

If you've informed them of your circumstances by phone, it's been a time waste. If you've done it by letter without sending by rec. delivery, it's probably also been a time waste. By the tone of the letter, they're saying that you haven't communicated at all.... which would make a CCJ by default very easy for them at this stage.

 

Everything needs to be in writing and everything needs to be by rec. delivery.

 

hi, thanks for the reply, the loan was taken out jan 2007, i have indeed informed them by letter i allways send recorded delivery

[PriorityOne]

hi, thanks for the reply, the loan was taken out jan 2007, i have indeed informed them by letter i allways send recorded delivery

 

Ok... just checking....

 

You'll need to write another to this bunch then, enclosing a copy of your last correspondence to Lloyds and anything they've written back to you agreeing to your proposals.

 

It would be far easier if they just talked to each other instead of trying to put frighterners on people....

[rhos123]

Ok... just checking....

 

You'll need to write another to this bunch then, enclosing a copy of your last correspondence to Lloyds and anything they've written back to you agreeing to your proposals.

 

It would be far easier if they just talked to each other instead of trying to put frighterners on people....

 

hi, thanks for your reply, maybe a short simple letter to them would do?. dear sir/madam due to the lack of communcation by yourselfs and indeed your client i have indeed explained my current situation to yourselfs and indeed your client therefore i welcome the the courts judgement with regard to this matter!

[PriorityOne]

Something like that. If you include copies of correspondence, then they'd be pretty stupid to plough ahead with court action regardless as it'll achieve nothing.

[rhos123]

Something like that. If you include copies of correspondence, then they'd be pretty stupid to plough ahead with court action regardless as it'll achieve nothing.

 

thanks for that. i may indeed call thier bluff i do indeed have copies of all correspondence i know one thing it will not be ME looking stupid before the county court judge

[babybear39]

Oh dear **** are at it again. They can't even get a threat-o gram-right.

 

They contradict themselves by saying that they MAY apply for BR. They cannot as the alleged debt is under £750. Where they got £1500 from is anyone's guess. They are actually a firm of solicitors and do a lot of work for LTSB. I have had a rather 'interesting' encounter with them myself some years ago.

 

They aren't the brightest in the toolbox and can be extremely nasty and rude, allegedly.

 

NEVER speak to them on the phone, just refuse to answer security questions. EVERYTHING IN WRITING ONLY from now on Keep copies of everything.

 

You're right in that they would look pretty stupid in front of a county court judge when you have made offers to pay and that they have been cashing your payments.

[rhos123]

hi, bb39 thanks for the reply. it seems that they are wanting to go to court for the arrears, they demanded the full amount last month . i will continue to pay them a token payment.

[babybear39]

They can't go to court for the alleged arrears. It has to be the full amount or nothing as it is an abuse of court process to 'split' claims. *rolls eys in disgust at ****'s ineptitude, flagrant disregard for the law and their sheer stupidity* Allegedly, of course

[babybear39]

As an aside...How much are the arrears?

 

If they do issue a claim for the arrears they CANNOT collect the balance

[rhos123]

As an aside...How much are the arrears?

 

If they do issue a claim for the arrears they CANNOT collect the balance

 

the arrears amount is what they want me to pay in thier letter. as the deadline in their letter has now passed, and i have not paid them. would they be daft enough to issue a claim for the arrears?

[babybear39]

Let me think on that...Quite possible if that's what they're threatening.

[rhos123]

Let me think on that...Quite possible if that's what they're threatening.

 

oh well i will await the court claim for the arrears

[coledog]

Useful thread if they try a 'split claim'.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?276741-Some-solicitors-using-Split-Claims-how-does-one-defend&highlight=split+claims

[babybear39]

Brian Carter sols. are well known for split claims but I personally have not seen an example of **** doing this. Might be a new tactic??? If so, it will just add weight to OFT intervention

[rhos123]

had a letter of claim from b/c on behalf of lowells. should i ignore.

this is for a lloyds loan from 2007. lloyds defalted this account in 2010.

and lowells have now added a defalt on 4/5/15 ??

[theoldrouge]

what was the contents of the letter? or do you mean you have received a court claim?

 

an account cannot be defaulted twice

[dx100uk]

old and new threads merged.

 

 

dx

[rhos123]

hi, no not a court claim , a letter of claim from bryan carter, soliciters , asking for payment or court proceedings will follow. the account has been defalted by lloyds, in 2010. and now by lowells in 2015.

[dx100uk]

so its wait 5yrs and try again then by the looks of things

 

 

when did you cease payments

[rhos123]

hi, dx 100 , i think sometime in 2009. as lloyds defalted the account in may 2010

heard nothing from them, not even a annual statement, had a few letters from lowells a few months ago wanting payment?

and now a letter of claim from carters?