Arrow/Blake Morgan PAP letter re Halifax OD

[dx100uk]

well don't go wasting your uncles money by blindly paying a DCA to go away of a free holiday using your money

go away on holiday with it yourself instead.

 

ever though why Halifax sold the debt for pennies to arrows?

why didn't they take me to court and crush me...

...urm..yea why not

they are a worldwide bank and could have easily..

 

cause the OD is 99% penalty chrges and the interest they caused

 

the fact you have 2 defaults for the same debt is not harming you

you can only be defaulted once per debt

as long as the date of the original creditors default has not been changed you are ok.

 

whats the defaulted date

[dx100uk]

and when was your last payment or use of the OD

[dx100uk]

sar to Halifax me thinks

[dx100uk]

what templates?

click the black links

CCA request

sar

 

 

BUT READ ALL THE POSTS IN EACH LINK FIRST..

[dx100uk]

look out for bank charges in the statements.

dd fees

letter fees

OD fees.

 

 

you soon spot them.

anything they have charged you that is a punishment or penalty for being in the OD state.

 

 

of charges for failed DD's etc

bet there are £1000's

[dx100uk]

we know that already

 

so how much is unlawful penalties

[dx100uk]

possibly if they shouldn't have been charged.

 

workout why Halifax sold it on

[dx100uk]

doesn't matter what you do

they are there till the default reaches its 6th birthday.

 

you can CCA the card

but not the OD.

 

packaged account fees can be reclaimed just like PPI

http://www.dailymail.co.uk/news/article-2547073/Backlash-rip-fee-paying-bank-accounts-Thousands-customers-complain-claims-widely-mis-sold.html

[dx100uk]

its getting mighty confusing

its better to have a thread for each debt.

those that have failed the CCA request

until they comply you don't pay

don't think the Halifax card CCA was anything near compliant

 

as for the two OD's

that what the sar was for and your charges workout ..

[dx100uk]

not a lot you can do

its down to arrows and their next move.

[dx100uk]

as post 24

[dx100uk]

issue a speculative court claim I suppose

and hope you wet yourself and blindly pay

[dx100uk]

can we see the letters please

read upload use Pdf please

 

the reclaim goes to Halifax

nothing to do with arrows or their dogs.

 

only the owner of a debt can initiate a court claim

just because a fake/tame solicitor is writing to you means nothing

the letters - if you read them properly don't say WILL anything.

 

as for the sculpture thread

that's from 10yrs ago

and was the OC taking them to court not a DCA

[dx100uk]

shoos cant take anyone to court themselves.

they are a solicitor [all be it 9/10 it simply being their letterheads being used in the same printer the DCA threat-o-grams come from think about it...]

 

they act for their clients

if you look at any claimforms/thread titles of recent - the claimant is never the solicitor, they are just the goffer that might appear in court representing their client.

again 9/10 its never shoos anyway just a local bod from the court.

 

its that word instructed...see the letters bet its there..

 

I can instruct my dog to sit

if it does is a totally diff matter....

[dx100uk]

if defended properly we rarely lose an OD claim here.

 

they are typically almost 90% PPI/charges that make balances up as that's why the OC sold it on.

[dx100uk]

is that with interest added using the CISHEET?

[dx100uk]

no its just for your ref really

but would be a mighty useful bit of info for a judge!!

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

enter your OD int rate in D15

set the claim to date to the date the account was sold to the fleecers

[dx100uk]

well its way off court yet IF atall

 

but thypically

Defence

 

I accept that I have in the past held a current account with Lloyds Bank Plc. I have not serviced this account since xxxxxx due to the punitive charges and interest being applied which made the account untenable and impossible to facilitate. The amount claimed is far in excess of any agreed overdraft limit with Lloyds Bank. I deny that the account exceeded an agreed overdraft limit due to overdrawing of funds and claim that this is a result of unfair and extortionate bank charges/penalties being applied to the account. It is therefore denied that I am indebted for any alleged outstanding residue.

 

(a) Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, which this claim is based on.

(b) Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment.

© Provide a breakdown of their excessive charging/fees levied to the account and;.

(d) Show how the Claimant has reached the amount claimed.

(e) Show how the Claimant has the legal right, either under statute or equity to issue a claim.

(f) Show how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.

 

........................

 

the PPI should be done the same as the charges but using the statint sheet.

 

against the original creditor.

 

don't do anything yet mind

get your info together.

[dx100uk]

the BM letter didn't attach properly

you don't need to put a link in you msg box to it

just upload it.

 

dx

[dx100uk]

the arrows letter is offering a discount bogroll

 

the blake morgan stuff is a PAP letter

 

which you must reply too.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017(1-Viewing)-nbsp

[dx100uk]

We'll have to do a OD version of post 6 of that thread for you soon

[dx100uk]

id wait

use the statint sheet then

[dx100uk]

interesting they state you signed an agreement and you are entitled to see it.

 

in that mind then

i'd use post 6 of our pap thread detailed on post 44

 

one each!

 

no need to waste money

use 2nd class post with free proof of posting from the PO counter

[dx100uk]

blake morgan page 3 of the 2nd pdf states:

 

the debt arises from a written agreement between you and BOS dates [redacted] and you are entitled to receive a copy of the agreement at you request.

 

so if they don't supply that they can...

[dx100uk]

sounds ok.