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    • Many, many thanks.  That is genuinely useful.     The lender was Natwest.  I am fairly sure they will owe me something one way or another, but they do seem surprisingly keen to cooperate so far.  Also Barclaycard.  I think they may have decided it is a lost cause from their point of view.  So, they might as well try and score a few brownie points for customer service.
    • probably far too old and mostly in those days [pre 1990's] no-one was regulated anyway. the real changes like GISC and ABI didnt come in till later and they only regulated the insurance co's.   not sure what rules existed on mortgages back then but the only thing you must have inplace certainly since the 2000's in buildings ins if you didn't already have it. so being charged home [contents ins] as a compulsory term of your mortgage could be a no-no.  and can all be reclaimed.   there was a case not so long ago of home ins going back to I think it was 1992 from today and the couple got over £50k back ithink.   sar to your original lender might be the only chance of getting paperwork.  
    • So I'm the one that's paying the mortgage for my kids to have a home so I have to let them no what goes in and comes out and pay them payments with my card so he just authorized me to talk to them when he ohones as they always have to as me questions and what not
    • Because I pay all the household Bill's my partner as always had to authorise them to speak to me on his behalf as I'm the only earner in the house 
  • Our picks

    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
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    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
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    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
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      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
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      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
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      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
benq

PRA PAP Letter of Claim - old Joint LLoyds OD account

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Hi All,

 

PRA have been sending letter for a while asking to repay this debt. I don't deny the debt, i want through some financial difficulty and couldnt afford to pay.  At one point they offered 30% off. But now I have this letter and the threat of court action seems very real.

What can I do now?

Ideally i would borrow the money from a relative and pay the 30% off number they came to me with. If i go to them with this I think they will say 'stuff you we want the whole lot'.

Does anyone have any advice?

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Woah Woah Woah Woah! Dont jump the gun...

Post up the letter minus personal details and barcodes etc :)

 

Tell us more about this debt :)

 

Who?

What?

How Much?

What Happened?

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Hi there, thanks for the quick reply.

 

It looks to be a standard letter:

We write to you advising acocunt has been xferred to legal dept.

This is a letter before claim as required by practice direction on pre-action conduct and protocols contained in the civil procedure rules. This letter is teh formal demand for £2500 and to give you notice of PRA intention to take you to court.

The sumn owed is the original debt of £2500 plus interest of 0 and fees of 0

Since you did not repond you have become liable for the sum of £2500

 

Then there are some sections with boxes to fill out

Section A

I owe the debt OR

i owe some but not all of it OR

i dont know whether i owe teh debt OR

I dispute the debt

 

Section B

I will pay what i owe now OR

i will pay but i need time to pay

 

Section C

I intend on getting debt advice

 

Section D

I have provided documents OR

I need more documents or information

 

The debt was to Lloyds Bank now with PRA for around £2500 for an overdraft. We entered into an agreement with Lloyds to pay £1 per month, then after a year or so they sent us a letter saying they are transferring the debt to PRA group

 

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whats the original debt type?

who was the original creditor?

it this on your credit file?

what is the defaulted date?

when did you last use/pay anyone?

 

dx


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

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

 

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Thread moved to  Lloyds Bank  forum....please continue to post here to your thread.

 

Regards

 

Andy


We could do with some help from you.

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-Can you clarify what is meant by 'debt type'?

-Original Creditor was lloyds bank

-When you say credit file, is that a creit report, like Experian? I'm sure i have seen it on there yes

-Defaulted date was around four years ago. Definitely not over six years ago

-We have a one pund a month standing order set up to Lloyds bank that gets transferred to PRAs account somehow.

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type of credit card/loan/od?

 

credit file yes noddle clearscore any of them.

 

so you must have had a notice of assignment when Lloyds sold this debt to pra?

 

dx

 


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

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-This is for an overdraft with Lloyds

 

-We had an overdraft with Llloys, but then moved banks in August 2015.

Obviously you cant take an overdraft to another bank,

so Lloyds asked us to pay back the £2500

 

-We set up a £1 per month repayment scheme in Feb 2016

 

-First letter from PRA is June 2017

 

-Check credit report, and its on there for my wife, but not for me.

 

Dont know if its worth noting:

-This was a joint account between my wife and I.

Lloyd were referencing us both,

but when PRA took it over,

they have only ever referenced my wife.

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oh dear shame you blindly made those payment

it'll never get statute barred

and now PRA have their teeth in you its very difficult to counter their claim against you.

however, how much of this OD is unlawful OD charges and interest

have you ever sent LLoyds an sar to get all the statements?

 

when did you open this lloyds account


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

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' it'll never get statute barred '

This is devistating news. We were advised by a debt advice service to set up £1 payments. That has royally screwed us now.

We were hoping all our debts would get statute barred after six years.

 

I did send a template letter to Lloyds, I cant recall what it was for. I'm sure it was asking them to prove the debt is ours type of letter (which we knew it was ours anyway)

I opened the account in 1998.

 

I dont believe any of it is charges and interest, as it was a planned overdraft.

Edited by benq

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Some of the advice given by these 'Debt advice companies' is really bad.

 

Good advice to SAR Lloyds, all the late payment charges, plus interest on them, once you run them through the interest calculator will probably add up to a very significant amount.

 

 

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Is there a step by step guide on how to SAR Lloyds?

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Its all explained in the thread when you click the the word SAR


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

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Its a joint account, do I fill out the SAR referencing 'we' and 'us' rathe than 'i' and 'my'?

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We/us.....and both of you sign the request


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

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