Jump to content


  • Tweets

  • Posts

    • just to clarify my point look at page 5 the right hand side black line to the right of the sig box is missing that sig info has clearly been copied and pasted by lowells on to that set of t&c's and if you look at other vanquis card CCA returns here on cag for that same set of T&C there has never been that box there anyway   Exhibit_NA1_(1).pdf
    • > they keep piling on charges and CRS are now chasing me for over £100. My membership was/is £9.99 a month. > So....am I at fault? Do I need to pay? You are not at fault. It is entirely their fault for making this whole process so difficult, and I'd love to seem them argue otherwise against any British judge. Have you ever met any other company who makes it this difficult to cancel a subscription? Probably not! Because it's a (sort of) legal grey-area. You owe them nothing. In what world does it make sense to charge a customer £90 for cancelling their (£9.99/mo) membership less than a month early? What other reputable company would do this? Nobody. This is not legally enforceable!     X4L/Harlands/CRS/Zinc are all part of the same group, and they all have absolutely zero legal power over you. They are not bailiffs. Nothing will happen to your credit and nobody will show up at your door. They will never dare take you to court, because they know that they stand no chance, but they might try to scare you. Pay no attention to this. You might get a few annoying emails/texts/phone calls, but do not answer nor reply to any of these - if you do, you're just giving them more to feed on. These people prey on vulnerable people who get fooled into thinking they're in the wrong. Ignore any and all communication with these scumbags.   Feel free to check out similar threads from 2010-2016 about X4L/Harlands/CRS/Zinc on this forum, you'll notice that every OP stopped replying after so long because these cowboys gave up on trying to steal money from them after they realised that they wouldn't budge. Their whole business is based on stealing money from innocent people. You'll be fine! Good luck. Keep us updated!    
    • looks like you still paid for ppi. {£236.03}   unravelling the crap in the letter it looks like your can make a PPI reclaim directly to welcome even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be    so you had a loan of £2269.44 of which 236.03 was PPI   so ppi/loan*100=ppi%   236.03/2269.44*100=10.4%   so anything you paid 10.4% of it was for ppi so statint sheet time      
    • bang shot yourself in the foot why did you mention PPI in the sar request?  
    • Thank you for your response Eric's Brother. I have been out of the country and was told about this on my return. It is not clear yet whether the Company have paid this PCN. They have a flawed policy of paying these and asking questions later, even deducting the money from the employees wages if they don't get a response from the employee within a certain time limit. They couldn't have got a response from my daughter as she too was away on holiday which is why she lent her car to my son. I'm not sure this policy is legal ?. Anyway, I'm getting sketchy information in dribs and drabs. My son was visiting Wrexham for a one off event so is unable to get pictures of the car park signage or the ticket machine. I will get the image supplied by Parking Eye and post it up on here. Sorry for the incomplete information so far, but that's what I'm getting. Kids eh ?...no sense of urgency.
  • Our picks

benq

PRA PAP Letter of Claim - old Joint LLoyds OD account

Recommended Posts

Hi All,

 

PRA have been sending letters for a while asking to repay this debt.

I don't deny the debt, i want through some financial difficulty and couldn't 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?

Share this post


Link to post
Share on other sites

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

 

Share this post


Link to post
Share on other sites

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.

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

Share this post


Link to post
Share on other sites

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

 

Regards

 

Andy


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

Share this post


Link to post
Share on other sites

-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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

-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.

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites
Posted (edited)

' 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

Share this post


Link to post
Share on other sites

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.

 

 

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

PRA have given me 30 days to reply. What if the Lloyds SAR takes longer than that to come back?

Share this post


Link to post
Share on other sites

3.4 If the debtor does not reply to the Letter of Claim within 30 days of the date at the top of the letter, the creditor may start court proceedings, subject to any remaining obligations the creditor may have to the debtor (for example, under the Financial Conduct Authority’s Handbook). Account should be taken of the possibility that a reply was posted towards the end of the 30-day period.

 

---

 

4.2 If the debtor indicates that they are seeking debt advice, the creditor must allow the debtor a reasonable period for the advice to be obtained. In any event, the creditor should not start court proceedings less than 30 days from receipt of the completed Reply Form or 30 days from the creditor providing any documents requested by the debtor, whichever is the later.

 

4.3 If the debtor indicates in the Reply Form that they are seeking debt advice that cannot be obtained within 30 days of their reply, the debtor must provide details to the creditor as specified in the Reply Form. The creditor should allow reasonable extra time for the debtor to obtain that advice where it would be reasonable to do so in the circumstances.

 

4.4 A partially completed Reply Form should be taken by the creditor as an attempt by the debtor to engage with the matter. The creditor should attempt to contact the debtor to discuss the Reply Form and obtain any further information needed to understand the debtor’s position.

Share this post


Link to post
Share on other sites

Thankyou everyone for your help thus far :)

 

On another topic,

the debt was originally from a joint bank account overdraft, for my wife and i.

All the time PRA have been contacting us, its been in my wifes name.

 

I dont know anything about the debt collection world, so bear with me here.

But is this reason to get the whole debt written off?

 

As they technically havent been writing to the corect persons.

I know I'm clutching at straws here.

Share this post


Link to post
Share on other sites

clutching at straws

did you send that sar Friday?

 

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

Share this post


Link to post
Share on other sites

I've sent it today.

Share this post


Link to post
Share on other sites

Read up on the wording to put in our pap reply attached to post 2 of our pap topic andyorch pointed too

pop back here before the 30 days with it for checking

 

 


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

Share this post


Link to post
Share on other sites

Ahh thats fantastic, that was going to be my next question 'How do I fill out the damn PAP'

Share this post


Link to post
Share on other sites

I am making a £1 a month token payment. Should I cease all payments, or continue?

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...