PRA PAPLOC Now Claimform - old Joint LLoyds OD account ***Claim Discontinued***

[dx100uk]

for an account from 1998 I would suspect penalty/OD charges and the interest they have caused far outweigh any outstanding sum owed now.

you shoyld have stop the month after you started

the same with any other debts you are blindly paying.

it probably that fact alone that has given PRA the idea to PAP you, as they can see you are blindly paying and think they can easily frighten you into more free money to their drinkies/holiday staff funds

 

[benq]

This debt is from an overdraft, so i wouldn't expect much of it to be charges and interest.

As for my credit card debt, I would expect a big chunk of that to be interest, with some charges.

 

For the SAR i asked them to provide me with details from 1st January 2011.

[dx100uk]

you want ALL the info they hold on you

don't limit it..

the od debt WIL be charges/interest they always are

just see a few OD debt claimform threads in the financial legal issues forum.

[benq]

Do I need to send a CCA, or have we gone way past that with a PAP being issued?

[dx100uk]

read the PAP thread benq

you cant CCA an OD account

[benq]

Understood.

[dx100uk]

see post 3 here

 

 

[benq]

I'm getting my PAP reply ready. I notice on the thread you mentioned about it states:

box D tick

I dispute this debt because..recommended reason as advised from your thread and add the debt purchaser has yet to provide any or all of the required documentation.

 

box I tick

I have requested by way of a cca request the signed agreement from the debt purchaser [CC is attached to this reply form]

I also require you to supply the following..

a copy of the Default Notice

A copy of the Notice of Assignment

A complete set of statements detailing exactly how the debt has accrued detailing:

I. All Transactions.

II. any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA.

III. details of all contractual interest added by whom and on what date.

IV. List of ALL Payments made toward the Agreement

 

For box D, what is the reason you experts would advise on my thread?

For box I, it advising a CCA request, but this is an overdraft which cannot be CCA'd

 

Would it be possible to get some custom advise for my situation?

[dx100uk]

read post 3 there then as advised.

 

 

[benq]

Sorry, yes, you did say that already.

It mentions tick box D and I, but the PAP pdf to download on post 3 (which is 70kb), does not have a box I. Are you able to confirm?

 

[dx100uk]

urm not sure where that reply form came from should be the same as post 2

looks like a page vanished p'haps during the forum migration

correct now

[benq]

What reason should i put for box D?

[dx100uk]

...the debt solely comprises of OD penalty charges and the interest they have caused

[benq]

Many thanks.

So Ive filled in on the PAP reply:

-my name

-my address

-my reference number (originak bank ref and the PRA ref)

-NO phone or email

-Box D

-Box I

-printed name on last page

-todays date on last page

 

Also a Separate piece of paper with the following written on it:

Box D- the debt solely comprises of OD penalty charges and the interest they have caused. Tthe debt purchaser has yet to provide any or all of the required documentation.

Box I- (the text from ' require you to supply the following.. ' on post three)

 

Will send via first class tomorrow, and get proof of postage

[dx100uk]

and you are using OUR REPLY FORM.

not the one from the fleecers yes?

 

dx

 

[benq]

Yes we did. What is the reason for that by the way? They look identical.

If anything, they will see the page numbers on the bottom and know we are using the one from this forum.

[dx100uk]

dca's have been known to change the set questions to loaded ones in their favour

[benq]

Posted PAP reply on 8th June, received reply on 19th June.

I've started receiving information from Lloyds as well from my SAR. Although i specifically asked then for information from the bank account in question, from 1st January 2011, they are sending me everything I've ever had.

[dx100uk]

as they must under an sar

[benq]

Received my SAR reply today.

What do i do now? Go through it and note down the overdraft charges and interest?

[benq]

I've noted down Interest and charges and it only comes to about £600.

I thought I'd had this account since 1997, but it's only been open since 2012.

[dx100uk]

you don't inc int as listed items in the CISHEET

but put the avg Int figure in box d15

 

so Lloyds only sent you statements back 6yrs not the whole history?

[benq]

This account has only been open since 2012, not 1997 as i originally thought.

[dx100uk]

ok but I expect you never requested nor required a £2500 OD?

 

dx

[benq]

Yes, I would say we requested the OD.