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Letter of Claim, BW legal and old credit union debt (Statute Barred i think)


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Hi All

 

Had a LoC from the gems at BW regarding an old CU debt which i believe is now SB'd.

 

Had a few letters over the years for this from them and back in july 19 I fired off a CCA. Wrote back saying they have no agreement, sent only a statement with an onerous payment placing it within 6 years since last payment. No default notice, no assignment, nothing else but they say that because there are payments made that this is acknowledging the debt is owed.

 

My last known payment was september 2013 so should be SB'd by now, bar for establishing if any further eroneous payments are on the latest statement which i am waiting for.

 

Jump forward to now and a LoC has arrived. I will be sending back the cag reply form as per DX post along with a copy of the CCA sent last year. (the reply form is identical to the one DX has linked to but for the back page which has an I and E printed on it, i assume this is why we use the cag version)

 

As i say i haven't posted for some time and PAP has changed so may need some help and guidance through the process although at this point i think i'll be firing off a SB letter quite soon.

 

Thanks in advance

 

Martin

 

PS.  Dont currently have access to scanner/printer for a few days so any uploads will be done asap

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Hi fk, long time no speak, hope you're well.

 

will get on that now and see if i can upload some docs

 

Martin

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

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Yes - COVID nor life has picked me off yet ❤️

Hope youre well too Martin :)

 

Please do - Lets see what happens with my favourite favourite pet solis...

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Lets see what happens with thispage1.pdfpage2.pdf

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Having a nightmare with uploads, its in pdf via officelens but wont accept them.

 

so, what i can say is there is a statement summary on page 2 which reads:

 

statement for the period 14 may 2014 to 16 sep 20.

 

total payments £0.00 

 

now i think thats shooting themselves in the foot as its clear that nothing has been paid or acknowledged since 14 may 2014.


In addition, they have already put in writing they have no agreement

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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dont use a webhosting site! thats the thumbnail you've converted.

read upload carefully its all there martin

 

dx

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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who are BW's client Lowells?

 

dx

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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manchester credit union, the OC

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Hopefully you can see this one

23-09-2020, 22:47 Office Lens.pdf

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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thats the statement only

who are BW's client stated on the letter not the OC please

 

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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The client stated is the OC, Manchester credit union

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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really thats strange for a credit union to use a dca's pet solicitors.

 

so you've a phantom payment stated then, and ofcourse nothing before of after that , just one payment conveniently supposedly frukes the SB claim.

 

pers i'd not bother with our pap return.

just send our SB letter from the debt collection section of our library 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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My bank statements show last payment made was sept 2013, the statement sent on page 2 has a 6 yr 4 mth gap with £0 paid so it must now be SB, even with a phantom payment somewhere inbetween sept 13 and may 14, it would still be SB.

 

As well as all that, they have no agreement by admittance and an outstanding CCA from may 19 which furnished only a 1 page statement, nothing else at all, no default notice, no assignation, nothing.

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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paperwork is irrelevant to SB 

it's SB'd then

off you go.

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

I'm not 100% upto speed with the latest PAP but my understanding is i have 30 days to reply to the LoC.

 

I have asked for an up to date statement as i havent had one in well over 12 months and i was playing with them a bit, so i might wait a week for that to arrive so i have it in black and white before firing off the SB, it will be sent anyway but would like to see all my ducks in a row first if i can before pulling the trigger.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Before i fire off a SB letter to BW i have question.

 

I've read some threads re SB and there is some conflicting advice given

 

One is to send the SB, the other is not to as it invites letter tennis and the "yes it is, no it isnt"

 

Given that i have a PAPLOC, should i return that witin the 30 days, send the SB or do both?

 

Thanks

 

Martin

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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keep to recent threads/ifo.

 

things have changed since the new Conc rules replaced the old rubbish

a debt owner must either put up or shut up

did you not read the SB letter yourself?

 

 

 

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

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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  • Andyorch changed the title to Letter of Claim, BW legal and old credit union debt (Statute Barred i think)

SB letter sent first class with PoP

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Should be the last you hear of it.

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 3 weeks later...

Heard nothing since, hope it stays that way!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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