Link/Kearns Letter of Claim - HBOS Credit Card

[dx100uk]

hit letter of claim

 

follow post 2

 

dx

 

[dx100uk]

provide what?

 

dx

 

[dx100uk]

how will you know they are even real not a copy and paste of a blank one with your name typed in from the dca not the original creditor?  - you scan them up and well check'em

 

i suggest you get reading a good few threads in the debt self help forum

or use our enhanced google searchbox 

[dx100uk]

just put the default thats there already. you dont have any additional reason, you only came here today...so no history.

 

dont rush, run the 30days close

 

never ever forget 

a DCA IS NOT A BAILIFF

and have 

ZERO legal powers on ANY DEBT - no matter what it's type

 

Link are one of the worst scammers and liars out there

 

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

 

 

[dx100uk]

Yes and 100's of dca discontinued or won court claims won by members.

 

Dx

[dx100uk]

you are racing ahead.

court IF IFIF could be months way IF IF IF at ALL>

 

simply follow post 2 letter of claim thread but run the 30 days first.

 

yes we know all about link..

 

oh and stop wasting time on google 

use OUR enhanced google searchbox here on our pages

its just searches CAG threads

 

we dont lie!!

 

 

[dx100uk]

throw the morality card away , you do not owe this debt just because you spent the money!! utter rubbish!!

 

ask yourself this WHY did HBOS sell the debt on for <10p=£1 rather than take you to court themselves and crush you????

 

when you took this card out were there any defaults, late payments or CCJ's on your file?

 

as for the letter of claim reply you put : the debt purchaser has yet to provide any or all of the required documentation. (as i said the default it suggests thats already there)

[dx100uk]

yes we know that because the debts been sold on.

 

i asked WHEN you took this card out what was your credit file like? should they even have allowed the card . irresponsible lending?

 

dx

 

 

[dx100uk]

lets try for the third time...

 

do you know how your credit file looked when you applied for this card in 2014?

did you have outstanding debts in 2014?

any defaults?

later payment markers?

CCJ'S

 

[dx100uk]

Eh? Who do you think?

 

Dx

[dx100uk]

no they dont.

 

whats the point of an sar ? for an IRL complaint?

 

its your credit file at the time that would be the answer to if you have a case 

 

now i think its better you go read other threads now here

you've not read any unless its been while you've not logged in.

 

we are self help predominantly and you are very green.

 

dx

 

 

 

[dx100uk]

or staple it to the LOC reply to kearns.

 

either will do.

if you read other link letter of claim threads this has been answered numerous times

dx

 

[dx100uk]

why did you tip them off?

 

that is not what is recommended.....

[dx100uk]

no we are anon as are you.

but you should have held the CCA till sending of the LOC reply.

failure to abide by the 14+2 working days means nothing toward CCA compliance going fwd.

you really do need to read up.

 

 

[dx100uk]

On 04/11/2022 at 21:22, dx100uk said:

dont rush, run the 30days close

dx

 

15 hours ago, cenk102 said:

So they dont have have to abide by 14 working days

nope where does it say they must?

 

dx

 

[dx100uk]

Why? That's only relevant if you were paying, as it renders things unenforceable till they do, but as you are not....

 

You really should be reading letter of claim threads , link debt threads and also stop just reading one post in a thread, not just post 2. 

 

Dx

[dx100uk]

Hey no sweat

The more you read the stronger we become.

 

Dx

 

14 hours ago, cenk102 said:

In hindsight i should have let them take me to court and then request documents.

No. That's why the pre action protocol exists. 

 

If you want help with debts start a thread in the debt self help forum.

 

Dx

[dx100uk]

that doesn't mean the end of it.

 

bailiffs can ONLY ever be appointed by a COURT if ASKED FOR and if you've ALREADY lost a court judgement.

 

dx

 

[dx100uk]

Doubt it and even if they do, most stuff from Kearns/link usually has some form of fakery involved 

 

Get reading like threads, then everything is answered. 

 

Dx

[dx100uk]

you mean a fake made from stuff out of their filing cabinet with your name inserted on to it. not ever from the original creditor an the one you actually filled in....

 

[dx100uk]

it must come from HBOS.

 

however, there is no way to know for sure where it comes from, 99% of dca's fake paperwork just look in some claimform threads.

 

dx

[dx100uk]

but who says any of it is enforceable?

 

you seriously need to go read threads here.

 

no more nurse maiding.

 

 

On 29/11/2022 at 13:08, cenk102 said:

and i do sar and hbos doesnt have reconstituted cca,

an sar does not have to include a copy of the agreement.

 

dx

[dx100uk]

 

You won't get a ccj if defended properly and you most certainly should never do a dro/iva/bk over consumer credit debts 

 

Dx

[dx100uk]

let's not lose sight of the fact this is NOT subject to a court claim.....

[dx100uk]

Scan everything up to one mass pdf 

 

Probably come out of their filing cabinet not HBOS

 

Yes send an SAR 

 

See what that shows