Robinson Way / Hoist Lloyds PAP letter for overdraft

[yodabug]

Hi all and happy new year

 

Just made a wee donation.

 

Had this through today and am half expecting a claim form soon, but just wanted to check is this letter a PAP letter ? Its just a one page letter - nothing too return.  The back of the letter is just ways to pay and a bank giro credit slip.

 

Thanks a mil

 

Yodabug

RobWayLloyds1.pdf

[AndyOrch]

Many thanks for the donation Yoda.

 

I have moved your thread to the appropriate forum .....Debt Collection Agencies...only threads with a court claim are posted to Financial Legal Issues.

 

And no its not a PAP

 

Regards

 

Andy

[yodabug]

Thanks Andy 

[dx100uk]

is this:

 

dx

[yodabug]

No it’s not DX.  Separate account.  Thanks 

[ericsbrother]

note content, it says pre legal letter and that it may go to a solicitors. They are not the creditor so have no  say in anything and it will be down to Llotds to decide who they instruct if at all

[yodabug]

Thanks ericsbrother.  It’s a really really old debt 12 years old, and has been passed around DCA’s over the years.   Idem just recently sold it again after they threw in the towel on a credit card they were chasing.  See what happens now.  

[dx100uk]

I would suspect if the OP looks it says our client hoist not M&S?

 

 

[yodabug]

Morning all

 

Just donated.

 

Just recieved a letter of claim for this from Howard Cohen, acting on behalf of Hoist Finance.

 

Just getting reacquainted with procedures, so bear with me.

 

So am actioning the following : - 

 

From the Pre action  action protocols for debt sticky - i will send using own CAG pap reply form. : - 

 

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 require you to supply the following..

A copy of the  The Demand/Termination Notice (Notice served under Sections 76(1) and 98(1) of the CCA1974

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, 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 transactions made toward the Facility

 

So i will do all that - just need a recommended reason as per **** recommended reason as advised from your thread ***** ????

 

Many thanks in Advance

 

Yodabug 

 

 

[dx100uk]

there isn't one.

 

the debt purchaser has yet to provide any or all of the required documentation.

[yodabug]

Perect DX cheers !