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    • Thanks,    I've read the info from the link, nothing I wasn't aware of really. I wouldn't talk to a DCA anyway or anybody else over the phone for just about anything, hence the reason I refused to give them my details when they rang up. The only "conversation" I had was when they rang me and asked me to confirm my details, which I refused to do because it could have been anybody on the phone and as I said, I'd never heard of them anyway at that point. I asked them to contact me in writing, if they wished to pursue the matter, with "a copy of the Agreement" and the reply was that "there isn't one". At that point I said "we have nothing more to discuss then" and ended the call.    I'm still not happy about posting the entire details online but I'll take a look at some of the other threads to see if there's anything relative. 
    • Looks like my mistake. The new machine requires the full reg to be entered now, whereas before, only the first two numbers were required. I entered the first two numbers.
    • Reciveed a summary warrant, phoned up the council who said it was not longer anything to do with them and I'd have to speak to walker love the firm who deal with their summary warrants. I said I wouldn't have anything to do with them becasue it looks like a dodgy dca and I  I don't trust them, the debt is with the council not walker love. Anyway turns out they have no record of an arrangement to pay last years outstanding amount so whatever's gone wrong they have cancelled this years installments, even though regular payments have been made, they then took a summary warrant for last years and this years outstanding amount. I've cleared last years outstanding amount to the council and have a payment reference number, and the council say they'll make contact regarding a single person's discount  which was missed and then calculate the payments for the rest of this year. They say they sent out three letters threatening the summary warrant which were not received. Now to my question, my argument that the debt was with the council and not walker love, and as I've paid and agreed to pay what and the council say they'll contact walker love and stop the action, is this correct or will walker love still pursue? 
    • I'm trying to get my head around this. In effect, over the years you have been paying your own bill for yourself and also the bill for your neighbours usage as well – as metered. At the same time your neighbours have been paying their own water bills based on an SS charge. This means that Yorkshire water have been receiving double for your neighbours water. Now they are proposing to return to you the portion which which they now say represents the amount of water used by a neighbour. I think it would be interesting to talk to your neighbours and see if you can get copies of their bills over the years. Our Yorkshire water proposing to return to you the same amount of money that they charge your neighbours? Even if your neighbours don't have all of their bills to hand, maybe they've got one or two bills available and if it looks as if there is a discrepancy then maybe your neighbours would be kind enough to send the water company and SAR as well. I don't know if I have suggested that you read our customer services guide – but if I haven't then you should do so and implement the advice there in case you have any telephone dealings with the auto company. You haven't said whether you want to have a metered supply or to have an SS charge. Please let us know because it makes a big difference to the final solution you will be looking for. If you want to metered supply then I think you are absolutely entitled to insist on it and you are entitled to insist that Yorkshire water and if this is in your garden, they should then pay for any repairs.
    • Not sure if this is the correct forum, so I apologise in advance.   So, the situation I am currently in.. is that a family member opened a Littlewoods account in my name, at the address I used to live at (Family home). The account was opened in November 2018, goods were obtained and then payments were missed. I usually check my credit report and score every month, but (somewhat foolishly) I didn't bother checking for a few months as my score remained the same. I didn't notice this account on my report until several months after it was opened. I obtained statutory credit reports and went through everything. I then filed this issue with Action Fraud.   I contacted Littlewoods and explained the situation to the fraud team, re-iterating the fact that an account was opened at an address I had not lived at for almost two and a half years at the point that this account was opened, not to mention the account is under a 'Mrs', when I am male. They proceeded to tell me that it was a civil matter and not one for them to deal with. I told them that the amount owed wasn't the issue, but rather the adverse effect it was having on my credit score as I was considering applying for a mortgage soon. They simply doubled down on their 'civil matter' point and hung up on me.    I got in touch with Experian, who added a notice of correction to the entry on my report and provided a template for me to send off to Shop Direct. I sent this letter off and received zero response. The family member had started to make payments after I threatened reporting this to the relevant people, but the account, and the several months of missed payments, still remain as a black mark on my credit file. I will add that I got a CIFAS marker placed on my account to try and prevent this sort of thing from happening again in the future.   I have also filed this issue with the Financial Ombudsman. I guess I am posting this because I am not quite sure where to go next or what my next actions should be to get this removed from my credit report. It is incredibly disappointing that a family member would do this to me, but it is also extremely annoying that Littlewoods themselves have been very unhelpful in trying to rectify this issue that has occurred at such a point in my life when I am considering applying for a mortgage. Any help or advice would be greatly appreciated.   Thank you.
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benq

PRA PAP Letter of Claim - old Joint LLoyds OD account

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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?

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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


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

 

Regards

 

Andy


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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

 


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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


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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

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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


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

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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.

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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.

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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!

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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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I've sent it today.

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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

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

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

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