Letter of Claim Halifax O/D, Link, Kearns Solicitors

[Geestra]

Hello,

 

I would appreciate some help with the following.

 

I received a Letter of Claim from Kearns Solicitors on behalf of Link Financial Outsourcing Ltd this morning.

I have attached the redacted cover letter.

 

The debt relates to a Halifax Current Account arranged overdraft of £1,000. The £57.15 is made up of fees/charges.

They closed the bank account when I didn't make payment and passed the debt on to Link on 15.10.2019 according to Kearn's letter. (I do not recall if this correct or not).

I opened the current account on 24.10.2013 but got the overdraft a few years later, perhaps 2018.

I made no payments towards the overdraft or fees/charges.

 

I have visited the “CPR – Pre-Action Protocols” link on this website and noted all the valuable information for “overdrafts” there. I will certainly do as instructed.

 

I’d be most grateful on what reason to put in box D.

 

Many thanks,

 

Gee

[dx100uk]

pop that up as a PDF please 

read upload carefully.

 

when was YOUR last payment or use ?

and have you moved in recent times and never updated your debt owners?
 

[Geestra]

Sorry about the jpg file, have attached a pdf to this post.

 

To answer your questions:

• I didn't make any payment at all
• I used the whole amount in April 2019 (I think... I thought it was sometime in 2018 but I've just looked at my credit report and see that the first missed payment was May 2019)
• I haven't moved address in the last 20 years! Never had any debt until 5 years ago

 

Many thanks,

Gee

4. Kearns Solicitors letter.pdf

[dx100uk]

Hit this link

Letter of claim

And follow the post relevant for od

 

Dx

[Geestra]

Thank you..could you tell me what reason to put in box D please?

[dx100uk]

there isn't one yet as this is the 1st? you've ever heard from them?

 

so the black bit doesn't apply...use the default that is there...

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

[Geestra]

Many thanks!

[Geestra]

I forgot about the above Letter of Claim as I was poorly for the last couple of weeks.

I found it in my bedside drawer on Tuesday gone i.e. 23rd March!

 

I sent it off yesterday i.e. 24th March via first class at the post office so I could obtain proof of postage.

 

Only thing is I now realise that because I went to the post office at 5.30pm, it may have been outside last collection time so the letter may not have been collected by the postman yesterday and so it may not arrive with Kearns today.

And today is the 30th day from the date of their letter which was 23rd Februay 2021.

 

Kearns letter is confusing because it says "you only have 30 days from the date at the top of the letter to send back the reply form" but then says "if the business does not get your reply form within 30 days, it could you to court. Make sure you allow time for posting".

 

I'm so annoyed at myself for this but could somebody please clarify if this could be a problem?

 

Thank you  

 

 

 

 

 

[dx100uk]

doesn't hurt being a few days late.

 

dx

 

[Geestra]

Thank you for that! Feel much better now!