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    • With any benefits system which has some form of controls in place, you will see some of these reported events happening.  Obviously it is not just people that are claiming benefits that commit suicide.  I think the biggest cause of death of men between 40 to 50 is suicide.     it would be interesting how the UK compares with other similar countries.     Does the UK have worse social problems than other wealthy countries?  Are countries, particularly non English speaking, more community orientated, with family generations living close by, offering support to young and old ?   Trying to concentrate blame on one thing, without looking into all of the other relevant issues, can lead to misleading conclusions.     You would think that following a suicide death, Coroners would have obtained copies of all relevant information including DWP files.   Why is there not a requirement to properly investigate such deaths at the time they occurred and to learn something from  each case ?
    • No DWP is in denial, the Errol Graham case has caused much concern   https://www.disabilitynewsservice.com/errol-graham-coroner-pledges-to-press-dwp-on-safeguarding-review/   Something is amiss with the procedures, Capita and the PIP Assessments seem to go against what a claimant's doctors say quite often, as do the UC Work Capability Assessments
    • oh don't you just love fleecers out to make a buck out of people they think are just mugs..
    • Useful link, BN.   The article mentions that the National Audit Office said that the DWP isn't learning anything from its mistakes.   HB
    • 1.     The Claimant claims £9,240.52 for monies due from the Defendant.   2.     This debt was pursuant to a regulated agreement(s) between the Defendant and The Student Loans Company Limited.  Each agreement had an individual account number as follows: 01xxxxxxxx, 00xxxxxxx, 97xxxxxxx, 96xxxxxxx.   3.     The Defendant failed to make payments as per the terms resulting in the agreement(s) being terminated.   Notice of such is served by a Default or Termination Notice subject to the terms of the agreement(s).   4.     The debt was assigned to the Claimant on 22/11/2013, with a notice provided to the Defendant.   A new master reference number xxxxxxxxxxxxx was also applied upon assignment.   5.     The Claimant has complied with the Pre-Action Protocol for Debt Claims   DEFENCE ……………...   The Defendant contends that the particulars of claim are vague and generic in nature.  The Defendant accordingly sets out its case below and relies on CPR 16.5(3) in relation to any particular allegation to which a specific response has not been made.   1.     Paragraph 1 2 is noted and denied accepted . I have had financial dealings with The Student Loans company in the past.  I do not recall the precise details or agreement and have sought verification from the claimant who has not complied with my requests for further information.   2.     Paragraph 2 is noted and accepted.  I did take out 4 student loans with the Student Loans Company.   2.     Paragraph 3 is noted and denied.  The Defendant never agreed to make payments to the Claimant, terms of the original Student Loans Agreement have been adhered to and thus repayments of loans are not due.  The Claimant is put to strict proof that an agreement(s) to make payments was made and a breach of agreement(s) occurred.   Paragraph 3 is denied as The Defendant maintains that a default notices were never received. The Claimant is put to strict proof that default notices were issued to, and received by the Defendant    3. Paragraphs1 & 4 are denied.The annual income of the Defendant has never exceeded the published limits for deferral since graduating in XXXX. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly provided by the Claimant pursuant to the LoP Act 1925.   4.      On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant, to which both have failed to respond to,  It is therefore denied with regards to the Defendant owing any monies to the Claimant;  the Claimant has failed to provide any evidence of credit agreement/assignment/balance/breach requested by CPR 31.14, and remains in default of my section 77 CCA Request, therefore the Claimant is put to strict proof to: (a)   Show how the Defendant has entered into an agreement(s) (b)  Show how the Defendant is in breach of agreement(s) (c)   Show why the Claimant has terminated agreement(s) show the nature of breach and service of Default Notices and subsequent Notice of Sums in Arrears in accordance with the Consumer  Credit Act (d)  Show how the Claimant has reached the amount claimed for and (e)   Show how the Claimant has the legal right, either under statute or equity to issue a claim.     5. On receipt of this claim I requested (Royal Mail signed for) on 14/02/2020 a CPR 31.14 from the Claimant's solicitor and a section 77 CCA from the Claimant,  for copies of the documents referred to within the Claimant’s particulars to establish what the claim is for. To date the Claimant has failed to comply to my section 77 requests and their solicitors, Drydens Limited, have refused my CPR 31.14 request.    6.     The Defendant has supplied the Claimant with a deferment letter and evidence every year that their income is below the threshold for repayments, by way of Royal Mail signed for and proof of postage has been kept. As per Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.      7.     The Defendant has done everything required of them to qualify for deferment as per the original agreement(s) with The Student Loans company.  The Claimant has only once acknowledged a deferment letter on 16 September 2014 whereupon they granted their request to defer repayments for that year. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82 A of the consumer credit Act 1974.    8.The Defendant therefore fails to see how they are in breach of any agreement(s) and deny the Claimant's claim of £9,240.52 or any other sum, or relief of any kind. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief        ……………………………...   delete the red add the blue.    
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anna1980

Problem with Lowell and old Oakam loan

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I am not sure if you can see picture so that is Oakam reply:

 

Please find enclosed with this letter a CD with all the available information you have requested from Oakam.

Call recording are normally held for duration of 2 years, so these are provided where possible.

Please be aware that Oakam's customers do not fill out application forms directly. They undergo an interview process and the information they provide is filled in by the customer service representative that is conducting the application. In this instance the applications have been provided as screenshots.

Regarding the statements provided, these show all the charges and interest due on the agreement as per contract.

Please be aware that the outstanding balance owed on your most recent loan has been assigned to Lantern (formally Motormile Finance UK Limited) on 15/09/2017. Thus, any concerns regarding balances or payments need to be sent to them.

 

We have been told that debt was sold to Lowell, now in letter that giving different company. Confusing 

 

 

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It doesn't matter. Just look through the SAR


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4 minutes ago, London1971 said:

And from the date of last payment you should be able to work out if it is statute barred or not.  In the meanwhile do not answer any calls from Lowell, just ignore them.  It's unenforceable anyway as they haven't returned your CCA

 

original loan was taken earlier but on 27/12/2012 he took top up which total was 5,000.

don't understand why Oakam added another contractual interest for 29/04/2015-11/03/2019 if they sold debt on 15/09/2017??

 

image5.pdf

 

 

we have received letter from Lowell telling us that they requested information from Oakam and we might have to wait for 40 days for they reply.

 

 

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I also dont understand why but it can be challenged. Why have they given a redress payment?


 

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None of this matters, because Lowell have just told you they can't find the CCA, so it's unenforceable anyway. 


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on statement shows that last payment of 5.00 was made on 31/05/2013. Why on credit report it shows end date 28/09/2013?

 

but when we were running credit report it showed that :

 

He has two loans under settled accounts:

Lowell Portfolio (balance on 07/02/18)

Start date: 27/12/2012

Default balance: £5311

Last delinquent date:Sept 2013

End date: 28/09/2013

Start balance: 0

If you go to account history:

Date: January 2018

Status: default 

Balance: £10,785

 

Second loan - Oakam Ltd

Balance on 15/09/2017 - £0

Start date: 27/12/2012

Default balance: £7474

Last delinquent date: September 2013

End date: 28/09/2013

Start balance - £0

Fixed payment- £333

Account history 

Date: August 2017

Status:settled 

Balance: £0

Date: July 2017

Status: default

Balance: £6903

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Because the date on your Credit Report is the default date. Statute barred goes from the final payment, It will be Statute barred 31st May 2019. Also it will disappear from your Credit File September 2019, 6 years after default.

 

The likelihood is that they will not produce a CCA at anytime soon, I wouldn't even bother worrying about this, it's highly unlikely that they will.  On the off chance that they do, you can run it past this forum.

 

Please, please please do not respond to any phone calls or emails though, or make any offers to pay.  This debt is now on the verge of being 100% unenforceable.  Do not spoil this by paying them anything.


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of course we won't pay. What will happen if they will send us exactly this same information what Oakam send us on CD? Loan was approved online. Just wondering if screenshoot will be counted as CCA?

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let it run.

it'll take them a while to find the CCA 

and even if its considered enforceable by them, it might not be

and they'll still have to go thru the PAP letter of claim protocol

 

and you have a month to reply to them

and it'll probably take a month to issue a court claim.

by that time it will be statute barred.

 

 

 


please don't hit Quote...just type we know what we said earlier..

 

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I haven’t been here for while. During summer holiday we got reply from Lowell:

 “Oakam Ltd have been unable to supply all the documentation required to fulfill your request under section 77/78  of the consumer credi act 1974. We have been unable to provide the requested documents we have been decided to not pursue the outstanding money at this time. However if Oakam Ltd provide the requested documentation in the future, we may contact you again to request payment “.

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so now sb'd too?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

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If SB by then they can only request they cannot try court as SB is absolute defence. But remember this is Lowell aka Lowlifes here, so don't ignore stuff from them.


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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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if they ever write again send our sb letter.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

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Exactly DX. Should send them scuttling away permanently.


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 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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Sorry but what is SB letter ? 

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Where I can find your SB letter ? 

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dx100uk Where I can find it? 

Edited by anna1980

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when you need it...

 

debt collection section of our library


please don't hit Quote...just type we know what we said earlier..

 

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