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    • I emailed the Information Comissioner's Office for clarification. I explained the above and asked them if the DPA applies to firms.   To my surprise,  they phoned me today. Lloyd bank's policy of refusing to release information about corporate (ie business accounts) is incorrect. The fellow at the ICO told me I am legally entitled to ask my own bank to insist that Lloyds provide them with the info that I want. I cannot remember the name of the protocol but when i phoned my bank and explained that I had spoken to the ICO, my bank's operative spoke to a superior and confirmed that they would now start the ball rolling.dd 
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gibster1957

Lowell Claimform - HBOS credit Card

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Hello everyone,

I have just received a letter of claim from lowells asking me to fill in a form from preventing legal action.

I have 30 days to do this.

 

The debt is for a credit card and I was paying a token sum till may 2016.

The debt has done the rounds with wescot/ moorcroft/ csl and now lowells with some offering a discount if paid off.

 

My question is,

do I ignore it or send them a cca request as the last thing I want is a ccj as my credit is now good.

 

Any advice would be appreciated

Edited by dx100uk
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I have downloaded and completed the PAP form and will send off to Lowell solicitors. As far as the CCA goes, do i send it to them or directly to Lowell?.

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So today after a few "keeping me informed" letters, I have received a copy of the agreement and a statement of all transactions and an oft default notice .

They have now given me 30 days to make an arrangement with them or they will continue their pre action process which could result in a claim form being issued.

Any advice would be appreciated.

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Scan redact and upload what they sent you. (1 current statement will suffice)

 

Andy


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So this is the letter showing outstanding balance sent with previously mentioned documents. Do i make an offer of a token payment as i dont want a ccj as my credit is now good?

20190317_124011.jpg

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Thats not a Default Notice issued pursuent to section 87(1) of the CCA 1974...and I cant read the agreement upload......have you not got a scanner and upload it as a PDF file ?


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Hi Andy, that is the only thing they sent regarding the default. I will try and post the agreement once i can get to a scanner. Many thanks.

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They will have to go back to the original creditor to get the proper default notice, this is just one of their computer system fields that they can alter at a whim

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retitled and moved to HBOS forum

 

wheres the rest of the CCA etc..?

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi dx, the only other page was all of my personal information.

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should be loads of sheets of t&c's

 

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Definitely not dx, just transaction statements, signed agreement and an oft default sheet of paper.

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So do i go back to them and ask for full cca and original default notice. They gave me 30 days to respond which is soon. Many Thanks

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You cant request the Default Notice until they issue a claim...dont go back informing them the agreement is incomplete...obviously what they have sent is all they have.


We could do with some help from you.

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So bide my time Andy? As i stated previously my credit is now good and i dont want to damage it .Thanks

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I would...if they are going to issue a claim then they will no matter how much prodding you give them now.....we can deal with the claim as and when.


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PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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yep, they have to comply or they cant do court. If they issue a summons before they fulfil the full requirements it will be kicked out when you challenge it on that basis.

however, they are not immune from telling lies or making mistakes as they would prefer it to be called.

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Hi all,

today I have received the claim form issued 2nd April,

now just wondering where I go from here.

 

My thoughts are to send in the Acknowledgement of service  and defend all of the claim but as I haven't done anything like this before any help would be appreciated.

 

Thanks guys.

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