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    • Hi there, Just a query regarding Savvy. I took out a loan with them in October 2019 for £750. This would be repaid over 52 weeks at £28.27 per week. I maintained payments on a regular basis until 20th March 2020 by which time I had paid a total of £565.40 (20 repayments of £28.27. I notified Savvy by live chat that I had been furloughed on 23rd March and would struggle too make repayments. i also emailed them on 27th March with confirmation of my furlough. They asked for Income/expenditure - not unreasonable but the template they asked me to use was shocking to say the least. I then sent them my own version drafted with help from National Debtline. This is a self service budget that I can amend and save as necessary.   Long story short and I am now back in work and my wages are back to normal. However, i am required to move house for personal reasons and the current landlord wanting the house back - well notified so there is no issue there. I have also kept Savvy up to date, especially as my family have suffered mental health issues in the early part of this year. Again i have notified Savvy, filled in a new IE form. This is the response I received.   Thank you for your email.   I have updated the income and expenditure form based on the information you have provided which shows you have a minus disposable income of £66.86, we allow £50.00 emergency cash which leaves a minus disposable income of minus £116.86.   Can you please confirm how you make up the deficit each month?   When the loan was issued in October 2019 an income and expenditure form was completed with you, can you please confirm the reason the following has increased.   Rent/ Mortgage has increased by £1,162.00   Housekeeping has increased by £580.00   Household Bills has increased by £507.40   Car/ Travel has increased by £123.80   Social has increased by £150.00.   Due to the changes to your financial circumstances we would need to see a 90 day copy of your bank statement.   Please find below a link to a system we use calls open banking, please click on the link and log in your online banking details this will automatically generate a 90 day bank statement.   LINK REMOVED.   I have placed your account on hold until the 12th August to allow time for the bank statement to be sent in.   They have now issued a default notice.   Any advice would be greatly appreciated before I initiate a complaint against Savvy. I have maintained reduced monthly payments in line with what I can afford. Is it reasonable for Savvy to ask for access to my bank statements. They did not ask for them when I took out their loan.  
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Ninja1337

CLI PAP letter of claim - norwegian Credit Card debt

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Hello,

 

reading forum threads previously I received several letters from CLI, but I assumed they were just template letters and could safely ignoring them, including the one where they said they would send someone to visit me (never happened). 

 

I have now received a letter again from them saying that they have been instructed by Lindorff (who again has been assigned from the orginal creditor a bank in Norway) to obtain the payment from me for a credit card that I had.

They further say "this letter is being sent to you in accordance with the Pre-Action Protocol for Debt Claims contained in the Civil Procedure Rules (CPR)."

 

They do have a silly mistake right after that which says Details of Debt (insert detail) 😅

 

they have attached a bunch of documents, copies of a signed debt letter from 2008 and interest calculations, and alot of documents in Norwegian.

I moved to the UK in 2013, and had no control over my debt that I owed over in Norway.

 

I now have 30 days to respond to this, what would be the best course for me, to see if they would even try this in court?

 

A few questions: 

 

As most documents are in Norwegian, would that be good enough for a court as proof?

Can I request a translated document for each part, I mean I understand them  but a UK court would not?

As I understand CLI are just collectors, so would they assign lawyers to get this to court?

The Debt is just around £2600. 

 

I assume statue barred would be the same for a Norwegian debt which is 10 years and they have renewed it over there last time in 2015 by trying to get money at "namsmannen" which is sorta like a small claims court, but basically just at the police.

 

Thanks for any replies!

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see here and adapt the response in post 5

 

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Ok thanks I will do, as this is not UAE I assume I will just not mention the following then:

 

"Proof that UAE Court Judgement has already been gained upon said debt. - Change to Norwegian Court Judgement?
Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and

/or issue court proceedings concerning a UAE debt. The UAE is not a 'member state' . - remove this last sentence?

 

Just a quick update, they today sent the same letter again, but this time I had to sign for it.

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sure

they cant really do anything 

only the original bank can

but it makes them feel important.

 

once they have your correct address they'll go quiet I bet.

they are trying for a backdoor CCJ hoping you never reply using an old? uk address

not the one they've gandered from your UK credit file via nefarious means

the fact they've now sent it recorded again too 

it typical of that scenario

 

I will guess like most stuff CLI chase

they are hoping for a knee jerk reaction and people blindly like mugs start paying them

as they think DCA's have magical powers when they don't.

 

a dca is not a bailiff

and have 

ZERO legal powers on ANY debt

let alone one from another country.

 

 

  • Like 1

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Comparison with the UAE doesnt hold, different financial law and legal systems.

You are a UK resident as far as this goes so it is SB. What Norweay does under its own bedclothes is up to it but CLI have no say in that and cant act on anything here.

 

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Foreign statute of limitations can be applied in UK Courts as there is an act of Parliament.

 

If there is a CCJ equivalent from Norway issued in 2015, why are they not seeking to ask a UK Court to apply this? 


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So yes I don't think it will be SB for this reason.

 

I'll let you know once I have a further response.

 

 

 

 

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Ok, so I will reply to them shortly , I am going to say the following, any other input would be appreciated.

 

Box D tick "I dispute this debt because I do not have enough information to know if I own this debt."

 

Box I tick

 

I need a copy of :

 

 

I need a copy of..

 

Original signed finance agreement together with the terms and conditions IN ENGLISH
Any notice of change in account terms and conditions that were ever issued since credit approval
Any notice of default or Norwegian equivalent that was issued by the original creditor
All and every statement of the account including how any interest has been calculated.
Proof the UK Pre Action Protocol allows a UK Solicitor to issue a Letter Of Claim and

/or issue court proceedings concerning a Norwegian debt.

 

Any and All other statutes of law, be them UK or otherwise, that the claimant intends to rely upon should they wish to  proceed and issue a uk Court Claim .

 

----------

 

One other thing, they say that the principal debt was calculated in Norwegian Kroner and converted to GBP at the rate of £1 = NOK 10.16.

 

However, I think that's not a good exchange rate.. If I go back to the 28th of October,  I get the following results:

 

Average: 1 GBP = 11.8187 NOK

Lowest: 1 GBP = 11.7725 NOK

Highest: 1 GBP = 11.8648 NOK

 

Is there any way I can dispute the exchange rate?

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Forget int rates its admittance

You cant say i dont owe it and say the above

 

As for d

Simply say you do not recognise the debt.... nothing more

As saying not enough info to know..then getting that info could result you boxing yourself in a corner


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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About 7 months on,

I have now received a letter from CLI again,

with "bank statements that I requested" apologizing for the delay in these times and that they look forward to be hearing from me.

 

What should my next step be, if any?

All they have included is statements of payments (in Norwegian) and none of the other things I asked for. S

 

hould I wait and see until they chase further and then tell them where the rest is, or should I respond now?

 

 

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ignore them

stuff and all they can do.

 

dx

 


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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