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    • Good Evening, I've got a fairly simple question but I'll provide some context incase needed. I've pursued a company that has operations in england despite them having no official office anywhere. I've managed to find a site they operate from and the papers there have been defended so I know they operate there. They've filed a defence which is honestly the worst defence ever, and despite being required to provide their witness evidence, they have not and have completely ignored the courts and my request for copies of it. I'm therefore considering applying to strike out their defence on the grounds the defence was rubbish and that they haven't provided any evidence for the trial. However, it has a trial date set for end of june, and a civil application wouldn't get heard until a week before then, so hardly worth it. However, my local court is very good at dealing with paper applications (i.e ones that don't need hearings, and frankly I think they are literally like 1-2 days from when you submit it to when a Judge sees it. I'm wondering if I can apply to strikeout a defence without a hearing OR whether a hearing is required for a strikeout application.   Thanks
    • I have just opened another bank acc with lloyds (i have a few already) After doing some research they may have some relation to tsb or be apart of the same group will this cause me issue if my salary is paid into my lloyds account? Also, if the debts do go into default and nothing is paid then after 6 years it all goes away? As the DCAs cannot do anything? I do want to start paying in like 3/4 months or do you advise I leave it if it goes into default? again sorry for all the questions, i am just processing everything
    • one reply only  follow post 2 of letter of claim <<clickme link. dx
    • Sorry, I got confused  Yes, it states all three   Thanks, 
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Lloyds/Lowell credit card


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Hi there, not been on here for a long while.

 

Have had a letter out of the blue from Lowell on a Lloyds credit card account that was defaulted in October 2010.

Obviously this is about to drop off my history but obviously as they've renewed their interest in me I'm wondering my next move.

 

Their reason for contacting me was to offer me a discount of 75%,

now this obviously smells to me of them not having a prescribed agreement (the card was taken out pre 2007).

 

I've had a look through my papers and it seems that for some reason I have never claimed charges on this account.

 

Now I can obviously type up a CCA to see what they have,

as I said it has been a while so on top of the actual signed agreement

what else should I expect?

 

With regards to sending a SAR am I still able to claim charges this far back?

 

Any links to templates would be gratefully received! (I'm a bit rusty in here) :-D

 

Thanks in advance...

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when did you last pay anyone anything?

 

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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ok ta

charges are still sometimes getting refunded

but if they are offering 75% yes this smells

 

if you do the FOSCISHEET

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

that should give you an idea of if the discount is related to the charges issue

 

i'd let it run

prob just chancing their arm as SB is approaching?

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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Cheers dx, I've never SARd them so have no copies of statements and can't find my originals. Is it better to pursue the charges via SAR and then decide whether to find out if they have a prescribed application after dealing with that?

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Just had a look back and my last payment to Lowell was two years ago.

 

 

tell us more of the history please

why were you paying lowellls

cant find any old threads

 

 

puzzled as to what has gone on in the past

 

 

full history please

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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Share on other sites

  • 3 weeks later...

Apologies, have been out of the loop so not been able to get on here.

 

I had been paying as part of a debt management plan that I had agreed with several creditors,

 

I stopped paying as I changed bank accounts and hadn't setup new direct debits.

 

I did get letters for a while but due to financial reasons I couldn't really afford to continue paying anyway.

 

I also realised that their letters seemed to be more sabre rattling than actual threats so had forgotten about them.

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When was the card taken out?

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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Share on other sites

CCA will be very hard for the OC and thus the DCA to now find

that's gonna be the reason for the 75% discount

 

 

lemon debt

ignore them.

 

 

unless/until you get a claimform

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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