Domestic Violence now left with Major debt - all in my own name

[Feelingdownandout]

thankyou DX - am I out of time with these letters?

 

[Feelingdownandout]

just a point to mention, I have had three of these letters, all the same 'creditor' and the same date of the LOC.  One os for a credit card and the other two are for overdrafts, 

 

DX - do I use Post 2 for consumer credit and Post 3 for the overdrafts?

[Feelingdownandout]

just a point to mention, I have had three of these letters, all the same 'creditor' and the same date of the LOC.  One os for a credit card and the other two are for overdrafts, 

 

DX - do I use Post 2 for consumer credit and Post 3 for the overdrafts?

 

[dx100uk]

yes as the guide says.

 

dx

 

[Feelingdownandout]

can someone advise what the format is for Overdrafts?  I have responded to Kearns re: LOC PAP, but I cannot find a template relating to overdrafts?

[dx100uk]

Send the OD reply post 3 letter of claim thread

 

Format for what?

 

Dx

[Feelingdownandout]

I wondered what the format was for replying to LOC PAP for overdrafts as couldn't see what section of CCA it applied to 

 

I selected the post from the thread you suggested DX - thankyou

Edited October 29, 2022 by Feelingdownandout

[dx100uk]

OD 's are not covered by the CCA.

you cant sent a CCA request

 

dx

 

[Feelingdownandout]

so on what basis can lloyds enforce it?

[dx100uk]

lloyds?

 

dx

 

[Feelingdownandout]

that is who, my OD's are with 

[dx100uk]

i though you said 3 letters from Link?

 

dx

 

[Feelingdownandout]

DX - my apologies, I think I am confusing you.  

 

I have received 3 letters from Kearns (letter before claim). 

 

these are for 3 x Lloyds debts.  1 x Credit Card and 2 x overdrafts

 

I have responded to the PAP using the right forms on the link to the thread you sent me.  I have also CCA'd LC Asset as they "claim" to own the credit card debt and sent them the £1 fee.

 

I couldnt see a letter template that applied to overdrafts, and wondered how LC Asset could demand payment?

 

I am also going to write to my creditors to advise that i am a vulnerable person due to the domestic violence and financial abuse when the debt was accrued, and potentially highlight irresponsible lending, as my debt spiked very rapidly in a VERY short space of time.

[dx100uk]

The owner of all 3 Lloyds debts is now LC asset = Link Financial DCA .  Lloyds have sold them on .

 

You have had 3 loc's, one for each debt, you must reply to Kearns, for each one within 30 days 

 

so you've done the cards,  you now do the bank account overdraft.vjust send the one in post 3 of that thread.

 

Don't send anything else nor extra letters regards your situation. They don't and won't ever care. 

 

Dx

[Feelingdownandout]

perfect - have done the cards and the overdrafts.  I am just on the limit for the 30 days (the LOC was dated 29th sept, but received on 3rd October).

 

what do you think Kearns will say?, in your experience what is the usual response?

Edited October 30, 2022 by Feelingdownandout

[dx100uk]

agreements are the key here

 

as for the od , just forget it.

even if they try an OD claim i bet the balance will be 99% fees/interest.?

when was the bank account opened?

 

dx

 

[Feelingdownandout]

There are 2 x overdrafts. 

 

I would say I opened the accounts maybe 10 years ago?  If I am totally honest, I don't actually remember.  I know they were joint accounts with my ex-hubby and then after the divorce he took 2 accounts and I took two accounts.  We took each others names off the accounts (with help from the bank) 

 

How do you mean ' as for the od, just forget it'?

 

Edited October 30, 2022 by Feelingdownandout

[dx100uk]

Bank accounts OD's are notoriously difficult to litigate esp as old or older than what you say. 

 

OD balances attract and are mostly made of, unlawful penalty charges and the interest those attract.

 

Plenty of threads to read 

 

Dx

[Feelingdownandout]

Hi DX, had a good mooch, but couldnt see any threads that details OD and PAP - cany good links that you would recommend?

 

[dx100uk]

there wont be many, but there are plenty of od threads generally, some are even claimform threads.

 

 

[Feelingdownandout]

how do companies like Link manage to get people into court for current accounts / overdrafts if they are so difficult?

[dx100uk]

85% of the +750'000 speculative roboclaims issued every year are never contested..no human is ever involved or sees anything or checks anything.

 

you need to read up .

 

 

[Feelingdownandout]

sent the replies back they would have had them on 30th October and had nothing back yet - how long do they have to respond?

[dx100uk]

if you mean your LOC replies , yours is not the next move.

 

dx

 

[Feelingdownandout]

Good Afternoon, 

So, just when I thought that I might be able to breathe a sigh, I have received the attached letters. 

 

Initially I received 3 x LOC.  1 x Credit Card  and 2 x Overdrafts, to which I responded, these are the responses; in order:

 

1.  CCA Unenforceable

2. CCA Pack Received (printed in Link stationery) with just a tick box next to the signature box, and dated 04/09/2019

3. Letter saying CC debt being passed back to Link 

4. LOC response to Overdrafts (2 off) 

5. Further correspondence relating to 2 x overdrafts 

 

 

 

Link CCA Reply Credit Card - awaiting reply from OC.pdf

Link LLoyds credit card CCA enclosed.pdf

Kearns - Credit Card account returned to Link.pdf

Kearns returned to Link (LLoyds OD).pdf

Kearns - Dispute Ack Letter (LLoyds OD).pdf