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L1882

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Everything posted by L1882

  1. L1882
    Sorry Andy I missed your post. Unfortunately it is too late to change as I have sent the letter but from your post I am deducing you don't feel the letter before action meets the requirement for showing why I feel the defendant is liable?
  2. L1882
    Right I'll post that today. Just to be clear, from a dates point of view I guess I will need to file my claim, assuming they don't have a change of heart, approximately 17 days from today allowing 3 days from posting to receipt, so 07/05/2015? I guess the main thing I need to do now is start to write the details of my claim for filing and thinking about the particulars as it would seem from other threads Barclays will take it all the way to the court date before settling?
  3. L1882
    Hi Sabre I have attached my original letter which didn't reference the 6 years. I have amended slightly and added letter before action and have attached both - hopefully this will cover everything, if you have time could you check please.
  4. L1882
    I used the template linked above as a preliminary letter so I've tried to pull together a simple letter before action - could somebody please check this to make sure I have covered the salient points? Also should I include a section that 'puts them to strict proof' of their costs or would that simply be overcooking the cake?
  5. L1882
    Hi Bazooka - the debt is now owned by Lowlifes, haven't made a payment in years (Not SB yet) and they have not yet complied with a CCA request so won't be getting a penny anytime soon unless they can come up with an agreement. I'm not keen on using the FOS Sabre for the reasons you suggest and the various threads I've read on here - (though I am trying a different track on that one with another debt - I'll update on here once that is completed in about 6 months or so!). Ok so I issue the letter before action now and then issue the claim in 14 days, assuming they don't respond. Right I'll look at the templates with a view to getting that in the post tomorrow or Tuesday - then I'll try and get some guidance and help with the POC
  6. L1882
    So sharkleys have responded and, surprise surprise, they say they have looked into my complaint and cannot uphold it as they are satisfied their charges are inline with their actual and estimated costs and comply with legislation. They then kindly inform me I can refer the complaint to the ombudsman. Now I know that will be pointless so what is my next best step?
  7. L1882
    Hi All Just noticed Lowlifes did a search on my CRA file in March. Can anybody advise under what legal authority they can do this, I have never given them authority and I have not made any credit applications in years. As such I am hoping I can make a complaint and then bring the matter to the attention of the ICO - any advice or opinion very much welcomed.
  8. L1882
    I shall ensure I draft it here first. I will do the leg work first in terms of paperwork then look at the draft so I can have it in shape and be ready for when the SAR deadline passes and they either respond - or based upon reports on here, don't.
  9. L1882
    Cheers fodder - I'm in no rush, I will simply learn to be patient. I have just registered with Money Claim so will have a look around and start drafting my complaint. I will also complete my list of documents so that I have a complete chronological list and set of documents ready come the day.
  10. L1882
    I haven't opened an account with money claim yet - can I do that even though I'm not yet at a point to start a claim? I will need to double check the deadline date however I think it is 14/05/2015 - certainly thereabouts. Just spoke to them, apparently they email me regarding my complaint - no email was received, have checked my spam folder and it simply isn't there. Not only am I ready to start a claim I am actually quite looking forward to it. If things go as expected I will probably have to make 4 or 5 claims in the next few months as I'm now attacking a few debtors as well. I should be clear, when I say looking forward to it I simply mean it is the sense of empowerment I have got from finally taking control and being proactive rather than reactive that I relish, not the thought of attending hearings if it comes to that.
  11. L1882
    Just a brief update. Obviously still no response to my SAR and also none to my complaint. I made a call (recorded and contemporaneous notes taken) and have to say it was a slog to get the screen notes to an acceptable level! Now I say no response but that may not be exactly true. Linked or not I have had 2 communications from them, 4 letters in total (1 on each occasion for gas and 1 for Electricity). The first one those telemessage things that I think they believe makes us think it's all very serious and important we respond as instructed. I ignored these. The second was threatogram, take me to court etc etc. I am about make another call to NPOWER, just so I get it all on record.
  12. L1882
    Yeah DX - the attachments first page was a slightly amended template from the site.
  13. L1882
    Cheers DX-amend and posted.
  14. L1882
    I have an email address that I don't really use so I could use that. My main worry is that they were to decide to issue proceedings anyway and my reliance on unenforceability is tested by them claiming to have complied and pointing out I didn't at anytime advise them I was waiting for this. I guess they could even claim to have never received the request?
  15. L1882
    So I guess there is no right or wrong answer but am I right in thinking the only risk as such is that it starts letter tennis? They did have an email address on the letter so I could start 'email tennis'
  16. L1882
    Sorry please ignore for now.
  17. L1882
    Good day all. So I'm hoping having gone through this with other institutions that I have got this one right. That said I would very much appreciate somebody just checking my logic and attached letter. I took out a loan with BOS/HSPF and at the same time they issued me with a card, presumably a credit card though I'm not certain that is what technically classed as such. Fees were added and I would like to launch a claim for these back with interest. I have used the normal template - will this be subject to the same rules as more standard credit cards etc? Many thanks L1882
  18. L1882
    Ok - I shall ignore them and see what the next delight I get is.
  19. L1882
    Oh I agree DX - but should I write and tell them that or just ignore them?
  20. L1882
    today I have received a letter from Lowlifes, under their Lowlife Financial heading. It seems Lowlife Portfolio 1 have asked them to get in touch as they recently advised me they had bought the debt - nothing recent about this event. it seems what I need to do now is pay in full or ring them and come to an arrangement. Now I could do that I guess however I am really not inclined to do so, I'd much rather tell them they haven't complied with my CCA request and until they do we have nothing to discuss however - should I do this or just ignore them? In the event that they did take it to court and could provide an agreement would the court take a dim view if I just ignore them? Any advice, as always, gratefully received.
  21. L1882
    A quick update on this. I've had to send them a chasing letter today as they haven't responded - and I suspect there will be other charges that were on the incomplete statements. On the other thread relating to Barclaycard slick indicates I should claim compound until today rather than the date the account was closed. Now If I do this on here it makes a difference of almost 7000.00 - so should I charge them compound interest until today or until account closure and then stat interest of 8%? Obviously I'd prefer to go with the later but DX you seem to be saying only until account closure but slick says until today on compounding the interest
  22. L1882
    Righto - Have now printed the letter and the appendix to it - lets see what they have to say. Now working on the PPI claim from them - will start a new thread once done to make sure I've done the letter and spreadsheet correctly.
  23. L1882
    Ok I have redone the letter using the newer template - do you think I should drop the £59 from the claim? [ATTACH]57018[/ATTACH]
  24. L1882
    Honestly no idea on that £59.00 - I can't see what it relates to and is described merely as a debit adjustment. It probably isn't a penalty but as I can't match it to anything else I can only 'assume' it is a charge applied to the account. Will look at that template and rewrite the letter.
  25. L1882
    I've attached the propsed letter (from a template on here) and also the spreadsheet (which I will append to the letter). If anybody has time can you please review the wording and make sure it is relevant - I haven't made any significant change to the template). Many thanks.

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